Howard Financial Planning Ltd (Senior Partner Practice of St. James’s Place Wealth Management) offer both individuals and small to medium sized businesses financial planning and wealth management advice including:-
Financial Protection - Life Insurance, Family Income Benefit, Mortgage Cover, Income Protection and Critical Illness Cover.
Business Protection - Providing business owners financial peace of mind and continuity including Director/Shareholder protection, Key Person insurance and debt protection, Relevant Life and Executive Income Protection
Retirement Planning - All types of Pension reviews pre and post retirement including annuities and drawdown options for individuals and pension provision for businesses
Investment Planning - Providing investment advice incorporating the distinctive St. James’s Place approach to investment management.
Estate Planning - Inheritance Tax (IHT) mitigation using Trusts and other IHT planning products, as well as 'Whole of Life' plans
Based on core values of excellence of service and above-all, integrity, we will provide wealth management and other financial planning solutions. We work closely with all clients, building relationships based on trust and having an in-depth understanding of personal/business finances.
We offer a no obligation comprehensive financial review. With the quality and breadth of products and services available, we can help take control of client's finances now and in the future as needs or circumstances may change.
The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
Trusts are not regulated by the Financial Conduct Authority.
The Partner Practice 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.
Howard Financial Planning Ltd is registered in England and Wales, Number 10728313. Registered Office: Clover House, John Wilson Business Park, Whitstable, Kent, CT5 3QZ.
SJP Approved 12/04/2023