We offer products from a diverse range of product providers for investment and pensions. This includes retail financial products such as Individual Savings Accounts, General Investment Accounts, Investment Bonds and Personal Pension Plans/ SIPPs. We cater for all individuals with all financial needs – accessed from an Independent Market and specialise in Investments and Pensions for all situations. 

I will advise and make a recommendation for you after I have assessed your unique and personalised needs. This recommendation will be based on a fair analysis of the independent market. 

You are advised that because the value of investments can fall as well as rise, you may not get back the full amount invested. Past performance is not a guide to future performance. Any other risks associated with any product will be explained within the documentation provided to you as part of the SJ Wealth Management Process.

Since 2012 and the introduction of Auto Enrolment, every workplace needs to offer a pension scheme to their employees.

Initially advising on companies new Auto Enrolment schemes; this has now evolved to ensuring that the scheme you have is the right scheme for your company. We offer advice on Nest, People Pensions and Now Pensions – aimed primarily for the smaller business model. We are now finding that after over 10 years, this model might not be the best option for your company in the current financial world.

Let us evaluate your scheme and see whether we can improve this area of the business. Not only could this save costs, this could also lead to retention of staff.

We offer a comprehensive range of Inheritance Tax planning products. From understanding your personal objectives, we can research the market and recommend the most appropriate solution to assist in your estate planning needs. Predominantly our specialist area of advice and ensuring you are using the right products to assist and protect your estate as much as possible. 

This includes advice on traditional Trust Planning solutions to more unique and modern Business Property Relief planning products; including Aim ISAs, Enterprise Initiative Schemes and Venture Capital Trusts. Protecting your estate and ensuring your personal assets are passed on successfully to your chosen family members, is of utmost importance and a strategic part of the financial planning journey.

Changes in recent legislation has meant this area requires careful planning and an indepth knowledge of the changes to ensure that your estate is left to those that matter most. 

Vulnerable Health Care Planning

Later Life planning with the need of care home provision or maintaining an income to assist with fees. We look at the whole market place to assess your needs and to provide you with advice to suit yours or your relatives needs, now and in the future.

Most people assume Long Term Care applies to the elderly requiring access to Care Homes and advice for paying fees. But this sector also looks at vulnerable needs in younger people too. Perhaps you are a Trustee acting on behalf of a beneficiary who needs help with care in the community for someone with special needs? I have found that advice with HealthCare planning is for all – discuss your unique situation with someone who cares, please get in touch.