THE TIME IS NOW
Even though we are in uncertain times, it doesn’t mean you should be uncertain about your finances. Engaging with your finances is straightforward with Anna Miller Wealth Management
Procrastination is natural amid the world’s compounded chaos. The old adage states to ‘watch the tide, not the waves’, but that’s easier said than done when the waves keep proliferating. That’s why now is the perfect time to make internal changes, so you’re prepared once those external factors begin to level out.
It’s easy to put off financial planning when
it feels like there is no immediate result.
However, engaging with your finances and
knowing that you are on your way to securing the future for you and your loved ones has the immediateand long-term advantage of relieving pressure. The best way to begin alleviating
some financial tension is to ‘control the
At an initial meeting with Anna Miller Wealth Management, we will consider:
• Your short, medium and long term goals. • Measure the gaps to achieving these. • Assess if you are maximising your allowances: ISA, JISA’S, Capital Gains, Dividend, etc
• Could you make use of gifting?
• Have you got appropriate income protection, critical illness cover and life insurance in place?
• A check on your investments for appropriate risk tolerance and balance. • Check your qualifying years for State Pension.
• Consider your potential inheritance tax liability.
Pensions may feel uninteresting but the freedom they may give you in retirement is anything but dull. Many of us are not utilising our annual allowances to the best effect. Pension rules have become
significantly more flexible, giving you more
choice than ever about how and when
you retire. Having a plan is the first step
to ensuring you retire as successfully as possible.
A large factor contributing to
procrastinating in dealing with our financial plans is one’s own lack of specialist financial
knowledge, coupled with uncertainty of who to trust with this private area of our lives. Trust grows when there is credibility, reliability, clarity and care – key elements for
a successful financial planning relationship. Everyone’s finances are unique and there is no one step to financial security, and that is why talking to someone qualified
and trustworthy can make a meaningful difference.
As a Chartered Wealth Manager with 25
years of experience in finance, Anna has
been able to help people of all ages and backgrounds. Most people need someone they trust who can simplify things for them. If that sounds like what you are looking for, then Anna would be delighted to help. She has wide experience in fund management,
investor relations and providing financial
advice. As an Appointed Representative of St. James’s Place, you have the security of knowing that the advice you’re given is of the highest quality.
Once your wealth management plans are in place, given the waves battering us currently, it’s important to remember Ulysses wisdom towards the Sirens – ‘Put beeswax in your ears, blindfold your eyes and tie your arms to the mast’. Essentially, make a plan, stick to the plan and regularly review your circumstances and the plan. Contact Anna for a no oblication chat with an expert who can help with experience, objectivity and care.
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 and are generally dependant on individual circumstance.
Anna Miller Wealth Management 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.