Relationship

Living with someone, whether the relationship is new or not has many benefits when it comes to spending, saving and financial planning.

If both partners are earning then the financial burden of bills, the mortgage/rent and general expenditures for starters, can be shared. It can free up some disposable income or make saving for that bigger property, car or holiday that little bit easier. However, this then means that as a couple reliant on each other, there are other risks that need to be considered.

If you share a home, assets and have joint dependencies and commitments, make sure you have adequate protection in place if something should happen to one of you. Could you afford your current standard of living and bills if one of you suddenly took ill and could not work and one income stream was lost?

HAVE YOU THOUGHT ABOUT THIS?

Unless prompted, we find that this is a conversation that rarely happens in people’s busy lives. What does that look like for you both and do you have a plan in place to make sure your goals and aspirations become a reality? We can help you create a fluid plan and strategy to help you both on your journey to Financial Wellbeing and security.

Mortgage

Are you looking to obtain a mortgage for your first property together? Perhaps you both have your own properties and would like to explore renting one or both of them in order to create alternative income streams. Perhaps you are looking to make the next step on the property ladder and upsize?

Your home or other property may be repossessed if you do not keep up repayments on your mortgage.

Some buy to let mortgages are not regulated by the Financial Conduct Authority.

Find out more

Regular Savings

Between you, do you have a healthy disposable income? Have you been putting any of it away for a rainy day? Are you saving in the most tax-efficient way? Perhaps you are trying to save for a wedding, a deposit for a new property, a holiday of a lifetime or a sabbatical…are you aware of how to make your savings go further?

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Pensions

Are you both on track for your dream retirement or is one person’s pot looking healthier than the others?  Do you both have enough for the retirement you hope for or is one person going to have to subsidise the other? Do you both know where all your pension pots are and if they are being managed effectively? When was the last time you had a full Pension Review?

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Investments

Have you got a sizable savings pot already? Have you invested that into a tax efficient ISA? Are you better off saving separately or jointly? Have you inherited money and you’re unsure of the best investment solution?

The value of an investment with St. James’s Place may fall as well as rise. You may get back less than the amount invested.

The favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.

Find out more

Income Protection

If one of you suddenly were unable to work due to an accident or long-term illness – could the other person afford to pay all the bills on their salary alone?

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Critical Illness

Would you be forced to sell your home together if you got the unexpected news that one of you had a critical or terminal illness?

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Life Cover

If one of you were to die, would the surviving partner be able to continue to live in your home on their earnings only?

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Only takes 5 mins

TAKE OUR QUESTIONNAIRE

& UNDERSTAND WHERE YOU ARE ON YOUR JOURNEY TO FINANCIAL WELLBEING

WHAT’S IN IT FOR YOU?

Financial Wellbeing is within reach – with the right knowledge you can build a plan, tailored to your individual circumstances. Understanding what plans you already have in place plus identifying any gaps that need attention, can help set a course for making progress towards reaching your financial goals, aspirations and dreams amidst uncertain times.

WHAT’S IN IT FOR US?

We are passionate about what we do; helping people achieve their financial goals, aspirations and dreams, giving them peace of mind and allowing them to live and love life. So, we are asking as many people as possible to fill in our carefully created 5-minute questionnaire as honestly as possible. We want to anonymously use the data and insights we collect to form a bigger picture of what areas are the biggest concern for different age groups and demographics.

To take our financial wellbeing questionnaire, simply click on the button below.

Take our Questionnaire
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Contact Us

18-22 Melville Street
Edinburgh
EH3 7NS

Telephone

0131 385 7477

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We would love to hear from you to see how we could help.

Please fill out the contact form below and a member of our team will be in touch soon.

PW& Partners Ltd 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 Privacy Policy or the St. James’s Place Privacy Policy.

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Sent every few months, this newsletter shares relevant information, insights and local experts with you to help support your overall wellbeing - the financial aspect of that being just one element. We also work with small local wellbeing businesses to bring you bespoke client offers on their products/services.

Sent when we have something to share, our Business Edit will contain updates on the industry, helpful insights on the services we offer, important reminders, upcoming events, news about our business and/or team and any other good news we want to shout about!

PW& Partners Ltd 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 Privacy Policy or the St. James’s Place Privacy Policy.