Retirement & Later Life Planning

It is not just about what you have in pensions,

but everything you own on the date of your retirement

Retirement & Later Life Planning

We are all living longer and our money needs to work harder than ever before to give us the lifestyle we want in retirement and later life. The world of retirement has changed dramatically too, pensions are no longer the only source of “income” and may form part of planning for other eventualities like Inheritance Tax.

More often we find that retirement is simply cutting back on hours or starting a new venture that is not about high earning, and your money needs to work in a way that can provide you with the flexibility to explore those options.

All your assets can be your “retirement pot”, and our aim is to show you how all of your savings can work in the right way to provide you with what you need, whilst thinking about the longer term so that you can still have enough to live on decades later.

Working through what income you need, how that may be structured, and the most tax efficient way to provide this to you is all part of how we make sure you are getting the most out of what you have.

Plan for your dream retirement

Let us take the stress away in assisting you with planning your perfect retirement.

Call 01252 846688 or email websterassociates@sjpp.co.uk

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.

Specialist Existing Pension Scheme Advice

If you are lucky enough to have a Occupational/Final Salary/Defined Benefit pension, you may have questions around how this works and what this means for your retirement. Joseph Webster is a specialist in this area and can help you navigate the jargon to better understand your options.

Long term care

Apart from the emotional cost, arranging care for yourself or a loved one is also extremely complicated. Dealing with issues like mental capacity, eligibility for state benefits, Lasting or Enduring Powers of Attorney*, the type and location of the care home and funding the care itself causes stress and worry. And yet less than 15% of people who do not qualify for financial support will have sought appropriate, and regulated, financial advice before entering care.**

In 2017, there were 1.6 million people living in the UK over 85 (2.4% of population).
This figure is expected to double to 3.2 million by 2041 (4.5% of population).**

The ‘single’ average cost in a residential care home is around £32,344 a year, increasing to over £44,512 for those receiving nursing care, and with the average stay at about three years, the costs are substantial.**

If you need care, and have to fund the fees yourself, there are many things that you will need to consider. Not only will it be important that you receive care in a home you have chosen, you will also need to consider whether you can afford to pay the fees for as long as is needed. You may also wish to protect your wealth so that some inheritance may be passed on to the next generation.

* Powers of Attorney involve the referral to a service which is separate and distinct to those offered by St. James’s Place and are not regulated by the Financial Conduct Authority. Sources:** Laing and Buisson Report 2017/18

Our Team of advisers specialise in a wide range of services.

Our team of advisers specialise in a wide range of services, whether it is carving out your dream retirement, making the most of your investments with a tax-efficient strategy, or passing on your hard earned assets to future generations. Together we focus on what is truly important to you and those you care about.

Start a conversation with one of our advisers

Call 01252 846688 or email websterassociates@sjpp.co.uk

We recognise that choosing how to invest your money can seem daunting.

To help you choose investments that are appropriate to you, St. James’s Place have created risk-related Growth and Income Portfolios from their range of funds designed to help investors achieve their financial objectives.

It’s good to talk

Arrange a call back or a no obligation meeting with one of our advisers


    Your Partner, together with St. James’s Place Wealth Management plc, are the data controllers of any personal data you provide and any further information which you subsequently provide to us. For further information on our uses of your personal data, please see the Partner’s privacy policy which can be accessed on their website and St. James’s Place Wealth Management plc’s privacy policy which can be accessed at www.sjp.co.uk/privacy

    Webster Associates

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      Webster Associates
      Virginia Villas, High Street,
      Hartley Wintney, Hampshire, RG27 8NW

      The Partner together with St. James’s Place Wealth Management plc are the data controllers of any personal data you provide to us. For further information on our uses of your personal data, please see the Partner’s Privacy Policy or the St. James’s Place Privacy Policy.

      Webster Associates 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.