


Outdated Documents - many Wills, especially those written before 2017, are simply out of date and missing crucial tax-saving opportunities.
Inefficient Structuring - Investments, property, and business portfolios are often not structured tax-efficiently, which can leave families facing huge, unavoidable tax bills.
No Plan for Care Fees* - Estate values can be gradually eaten away by significant care fee costs if they are not protected properly.

Outdated Documents - many Wills, especially those written before 2017, are simply out of date and missing crucial tax-saving opportunities.
Inefficient Structuring - Investments, property, and business portfolios are often not structured tax-efficiently, which can leave families facing huge, unavoidable tax bills.
No Plan for Care Fees* - Estate values can be gradually eaten away by significant care fee costs if they are not protected properly.
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. The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is dependent on individual circumstances.Will writing involves the referral to a service that is separate and distinct to those offered by St. James's Place. Wills are not regulated by the Financial Conduct Authority.







The reviews shown above have been gathered and displayed directly through VouchedFor and have not been verified by SJP.
*This may involve a referral to Karehero, a care navigator and matching service provider, whose services are separate and distinct to those offered by St. James’s Place.
Intelligent Wealth Planning Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website www.sjp.co.uk/products. The ‘St. James's Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James's Place representatives.SJP Approved 29/11/2025