At The Heritage Partnership, we help you figure out how best to grow, manage and protect your money to achieve your life ambitions.
By talking about your “financial potential” and asking questions like, what are some of the things you hope to accomplish with your money, we explore how you can create the financial resources to realise those goals.
Whether you’re looking for income, growth or a combination of both, we offer quality advice, comprehensive investment solutions and ongoing service to help you achieve your financial goals.
As a Senior Partner Practice of St. James’s Place, we have access to its distinctive investment management approach and some of the world’s top investment professionals to manage your funds.
How do we build a lasting legacy with you?
Matching the risk you are willing to take with your current situation, we spread your investments across a wide range of asset types to create a balanced and diversified investment solution. In addition, by consulting with you regularly, we can recalibrate your portfolio to reflect your changing needs and current market conditions to help you stay on track and achieve your goals.
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 you invested.
Please note that the St. James’s Place approach to investment management only applies to St. James’s Place products.
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Retirement planning can be complex. Regardless of what stage of life you are in, it is essential that you receive expert and professional advice on your retirement options and requirements.
Whether you are building your retirement plan from scratch or reviewing existing strategies, we can help you make the most of the options available to you.
Creating wealth requires enterprise, vision, and a mixture of hard work and luck.
Preserving and protecting wealth requires vision along with well thought out trust and legacy planning. Only by tackling this process will you be able to leave a legacy for your beneficiaries.
You may think that estate planning is all about what happens to your assets after you pass away. While that’s true, it’s also about organising your assets now to maximise their effectiveness, to protect and benefit your loved ones or to minimise the impact of taxation.
Our access to professional and straightforward Will Writing service gives you peace of mind that your loved ones will be provided for should the worst happen.
Without proper advice and careful financial planning, the tax office can become the biggest beneficiary of your estate. Several vehicles and different methods can help mitigate Inheritance Tax, but no process can or should be considered a “one-stop solution” as everyone has different circumstances and requirements.
Families should use their joint assets to support each other during their lifetime. Traditionally, after death, assets are passed from one generation to the next. However, increasing life expectancy and profound societal changes mean that many families need to rethink how their assets can be used across generations to benefit the whole family.
We offer estate planning and tax-compliant solutions while providing much-needed support to ease the financial burdens of everyday life.
In the event of your untimely death, don’t be put in a situation where the courts decide who will care for your children. Appointing guardians, both temporary and permanent can provide both a quick and long-term solution to this situation.
Advice relating to a will or matters of guardianship involves the referral to a service that is separate and distinct from those offered by St. James’s Place.
The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances. You are advised to seek independent tax advice from suitably qualified professionals before making any decision as to the tax implications of any investment.
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Relocating home after a period abroad can be a complex process for expatriates. Keeping your affairs in order and making sure that your finances and investments are administered efficiently is of paramount importance.
For expatriate clients returning to the UK, we can help with the smooth transition by offering you the option of continuing your relationship with us through our Repatriation Service.
As a Senior Partner Practice of St. James’s Place, The Heritage Partnership maintains relationships with Partner Practices in the UK to ensure continuity of advice and service for you via a seamless handover to a Partner who is already familiar with your circumstances and existing investments.
The key to a successful repatriation is the planning process. It can take considerable time to restructure investments (if it is appropriate to do so), and it is essential to review existing arrangements to ensure their continued tax efficiency. Consequently, we recommend that the repatriation planning process begins 6-12 months before your intended departure.
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 that you invested.
The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances. You are advised to seek independent tax advice from suitably qualified professionals before making any decision as to the tax implications of any investment.
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Your children’s future begins with you, and the most important foundation you can provide a child is an education. Help them reach their full potential by giving them the best education possible.
Higher education is not cheap, and many parents have to proactively save to make it happen. The sooner you start planning, the better. Especially if you want your children to attend a good institution abroad, the cost of education will only go up.
Give your children a head start by investing as much as you can afford as early as possible so that your money has enough time to grow.
You can save regularly or invest lump sums as and when you want. One thing is for sure: the earlier you start saving, the better your start will be. It’s surprising how much even small amounts invested regularly can grow over time.
Allow us to be your partner in building your children’s future by showing you how to prepare for and manage educational expenses.
There are several financial solutions available to help you invest on behalf of your loved ones, and we will go to great lengths to create a customised investment plan that fits your current and future circumstances.
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 you invested.
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Taxes are one of the most significant expenses a wealthy, successful person will incur over their lifetime. Therefore, a tax minimisation strategy is a critical part of the wealth planning process that you should not ignore. Tax planning should also be on your radar if you want to build a flexible structure that adapts to unknown circumstances in the years ahead.
Let us create a tax-efficient investment strategy that will optimise your tax obligations and maximise your overall wealth planning process.
Working with us means your money has the chance to benefit from St. James’s Place’s distinctive investment management approach, coupled with our ongoing advice and support to make the most of the opportunity to build tax-efficient wealth and avoid amateur mistakes.
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 you invested.
The St. James’s Place approach to investment management only applies to St. James’s Place Products.
The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances. You are advised to seek independent tax advice from suitably qualified professionals before making any decision as to the tax implications of any investment.
Speak to a partner
Protection may not be the most exciting topic, but it fulfils one of our most basic desires – to protect ourselves and those we care about.
Stay safe with protection solutions that give you access to more medical resources, shorter wait times, a wider range of specialised treatments and the privacy you deserve for a speedy recovery.
It’s essential to choose the proper protection based on your needs. The right coverage will help ensure you stay prepared for life and keep interruptions to a minimum.
But how can you decide what types of insurance should be a priority for you?
Because we have access to many leading providers of protection and plans, we find the right solution for all your protection needs after reviewing your specific circumstances and conditions and suggest only what is right for you.
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With the average life expectancy continuing to rise, the chances of suffering from illness or disease become higher through your older years. Having an adequate cover ensures that you remain prepared for life’s uncertainties.
Providing a lump sum cash payout upon death, illness or disability, or an income if you were unable to work, will help to preserve your family’s standard of living and mitigate the financial burden should the worst happen.
We can help provide a tailored recommendation on the solution that is most appropriate for your specific circumstances and needs, from those available in the market.
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Managing wealth presents many common challenges in Asia’s financial and technical landscape. We recognise, however, that higher net worth individuals, families, trustees and businesses in Asia often have a different set of motivations and ambitions. The appreciation of these unique and complex aspirations is at the heart of St. James’ Place Private Client Service.
As a Private Client, in addition to your ongoing relationship with The Heritage Partnership, you will have exclusive access to the St. James’s Place specialist advice team. This includes highly experienced financial planners, investment and pension specialists, banking advisers, as well as access to tax and legal experts. Working together, we strive to provide an exceptional, high quality service designed to fit around your lifestyle, family life, as well as your business and professional interests.
Visit here to learn more about our Private Client Services and the range of solutions available.
Some of the services may involve the referral to a service which is separate and distinct to those offered by St. James’s Place.
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