Financial services
We're a family-run financial planning practice providing professional guidance to help you feel confident about your future. We work with professionals, families, and business owners throughout Doncaster and the wider Yorkshire area. We offer advice on everything from securing your first mortgage to organising your pensions and passing wealth on to future generations.
Intergenerational wealth planning
We help families navigate the complexities of passing on wealth efficiently by creating a plan that protects their financial future across multiple generations. Our financial advisers provide guidance on tax-efficient asset transfers and help you understand inheritance tax rules. We encourage involving your partner and children early to ensure they have professional support when they eventually inherit.
Corporate financial planning
For business owners, personal and professional finances are often closely linked. We work with you to protect the company you've built and ensure your personal wealth remains secure. This includes planning for the loss of key staff or setting up arrangements to protect shareholders if a partner passes away. These steps help maintain stability during transitions and provide peace of mind for your family.
Protection planning
Protection is the foundation of financial planning, ensuring that money is available for your family when it is needed most. We advise on various types of cover, including life insurance, critical illness cover, and income protection, to create a financial safety net. By reviewing your existing protections, we identify any gaps that might leave you vulnerable if you were unable to work.
Retirement planning
We help you prepare for retirement by organising your various pension pots and personal savings into a plan that shows exactly how you’ll pay yourself. We take the time to understand the lifestyle you’re aiming for in retirement and identify any gaps in savings that you may need to address. We provide ongoing reviews to ensure your income remains sustainable throughout your retirement.
Mortgage advice
Securing the right finance for your home involves more than just finding a competitive rate. Our advisers have access to a wide range of products from a panel of lenders and handle the entire application process for you. For first-time buyers, we provide straightforward guidance on deposit requirements and credit preparation. If you're remortgaging, we compare your current lender's offerings against other products to help you get the best deal.
Investment planning
Building an effective investment strategy is about making your surplus income work harder than it would in a standard bank account. We help you select tax-efficient accounts, such as ISAs and unit trusts, that suit your goals and attitude toward risk. This structured approach ensures your contributions remain on track to reach specific milestones, such as funding an education or bridging a gap in your future retirement income.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select, and the value can therefore go down as well as up. You may get back less than you invested.
An investment in equities and shares will not provide the security of capital associated with a deposit account with a bank or building society. However, please bear in mind that over the long-term, inflation will erode the purchasing power of your capital.
The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.
