Single

Being independent and single can make paperwork and financial planning a little simpler but it is vital to plan ahead in order to create a financially secure future for yourself.

Being single could be a lifestyle choice or through a change in your circumstances such as a divorce or the death of a partner. You may have dependants meaning your money is not just your own.

Whatever your circumstances or age, you are in control but there are lots of things to think about. Such as paying your mortgage or rent if you were suddenly unable to work (through illness, an accident or redundancy) to making sure your Pension is working hard for you. This allows you to focus on the here and now but still work towards living out your dream retirement. Planning and focus are crucial when you are budgeting from one income; we understand it can be tricky to set aside additional funds to pay into things like your pension, protection as well as build up your savings. But without these Financial Wellbeing fundamentals, financial security and peace of mind rarely come about.

You should also be giving thought to what you would like to happen to your estate in the event of your death. Not nice to think about we know, but essential in order to reduce stress on your loved ones and friends you leave behind and, to make sure the people you want to benefit, do.

Mortgage

Are you in need of a first-time buyer mortgage, a re-mortgage to upsize or downsize or a Buy-to-Let in order to create an additional income stream? Do you need help to make the process more streamlined?

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.

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Pensions

How is your pension pot looking – are you on track for a comfortable retirement?
Have you lost track of where your pensions are if you have had several different jobs all with pension benefits? Are you certain your pension pots are being regularly reviewed and monitored in the changing marketplace?

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Investments

Have you got a sizable savings pot already? Have you invested that into a tax-efficient ISA or are you interested in creating an investment portfolio?

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.

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Regular Savings

Do you have a healthy disposable income you perhaps fritter away on a monthly basis meaning your savings pot isn’t as healthy as it could be? Saving for a rainy day, a deposit for a new property, a holiday of a lifetime or work-break takes time and dedication – and is something we can help you with

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Income Protection

If you suddenly were unable to work due to an accident or long-term illness – how would you manage your outgoings and expenditure?

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Critical Illness

How would you pay your mortgage or essential outgoings if you got the sad and unfortunate news that you had a critical illness?

Find out more
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.