Professional Partnerships

Professional Partnerships

As a Partner of a company, and busy professional, finding the time to manage your personal finances can be challenging. Planning for your future is essential and the sooner you start the better.

Have you paid any thought to the following questions?

  • Are your personal affairs set up in the most tax-efficient way?
  • When do you wish to retire?
  • Should you take fixed protection?
  • How will current pension legislation affect you?
  • Are your previous pension arrangements working hard for you?
  • How much income do you need when you retire?
  • Have you protected your pension and death benefits for your loved ones?

If you answered no to any of the above, now is the time to start. If you’re in need of assistance navigating the ever-changing financial landscape, or just want to explore your options, we are here to help. We provide tailored financial planning and advice for Partners at any stage – from those who are starting out their journeys all the way up to retirees! Take advantage of our wealth of expertise so that you and your family can enjoy a secure future ahead


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.

New Partners

As a new partner, your focus is most probably more on developing your career and less on how you plan for your retirement.

However, at this time, it is important to build up enough for retirement as well as putting in place sufficient savings to cover expenses such as school and university fees.

You will also need to ensure that you have sufficient protection in place to protect you and your family should anything happen to you.

We can help with all of this.

Speak to us about your goals and aspirations today and we will help you put a plan in place which focuses on the ‘Three Pillars’ of financial planning:

Pillar One - Life planning

In the first phase of this process, we will arrange a time (or multiple times) to meet with you. During this session, we will discuss your financial and life ambitions, helping you to establish your goals.

Pillar Two - Financial Planning

Now it’s time to build a financial plan that will put you on the path toward achieving those goals.

Pillar Three - Financial Product & Investment Advice

With goals set and a plan in place, we will move on to help you select the products and investment strategies that will help you execute the plan and meet your goals.

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.

Partners Approaching Retirement

When approaching retirement, the biggest concern you will have is ensuring that you have enough saved to maintain your lifestyle. We are here to advice you and help you make the right decisions to ensure a secure financial retirement. There are many options to be considered:

  • It may also be necessary to move your pension fund to lower risk investments in preparation for retirement.
  • Furthermore, you may be unsure whether you would like to take a tax-free lump sum and, if so, how you will use if effectively.
  • You may use your pension fund to purchase an annuity from a suitable annuity provider. This can provide you with a secure income for life - no matter how long you live.
  • Alternatively, Flexi-access Drawdown allows you to take an income directly from your retirement fund rather than buying an annuity. If you’re thinking about this option, you will need to take specialist advice. *

*Income drawdown will reduce the size of your pension fund and the investment growth may not be sufficient to maintain the level of income you wish to draw. If you withdraw money at a rate greater than the growth achieved by your investments, your remaining fund will reduce in value. The level of income you take will need to be reviewed if the fund becomes too small - this is more likely the higher the level of income you take.

The income you receive may be lower than the amount from an annuity, depending on the performance of your investments. As annuity rates can change substantially and rapidly, there is no guarantee that when you do purchase an annuity the rates will be favourable. This could mean that your pension thereafter may be less than you hoped for. The rules governing how much income you can take directly from your pension fund may change. This could mean that the income you can take from the investment no longer meets your requirements. 

Defined Contribution (DC) Pensions

The Pension Freedom Reforms, implemented in April 2015, changed retirement planning significantly.

Individuals now have full access to Defined Contribution (DC) pensions from the age of 55, with unrestricted income available, subject to paying their marginal rate of Income Tax on any taxable withdrawals.

  • It may still be possible to take up to 25% of the pension fund as tax-free cash.
  • DC pensions can now be passed to anyone after death, not just a dependant.
  • Income taken from a DC pension by beneficiaries will be tax-free, if death occurs before the age of 75 and at the beneficiary’s marginal rate, if death is later than this.


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. The value of any tax relief depends on individual circumstances. 

Retired Partners

As a fully, or partially retired Partner, it’s crucially important to review your existing investments regularly to ensure that they are still performing as expected. This will establish whether they continue to meet your needs.

Retirement and decumulation services are a large part of our business. They’re amongst the most important services we provide, and we will work tirelessly to ensure that when it comes to your retirement, we have you covered.

We will work closely with you and continue to meet on a regular basis in order to identify those things that are important to you and help you to make the right decisions.

Additionally, we work with a carefully selected panel of providers who’ll be on hand to work with you, ensuring everything is progressing as expected.

We offer the following range of products:

  • Self-Invested Pension Plans (SIPPs)
  • Trustee schemes
  • Retirement plans
  • Drawdown plans
  • Annuities

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.

Our Clients Love Us

Having invested with SJP with the help of Jayna Shah – Director (Brighton Office) – I have nothing but praise for the diligence, and care, she affords her prospective and current clients. Her understanding of the products in relation to client needs, along with the support, are ‘second to none’. I more than highly recommend JPS to anyone.

Roger Warren Cabinet Maker, Brighton

Jayna Shah is an exceptionally devoted consultant who goes the extra mile. The Directors at Hunters have no hesitation in recommending Jayna's services to anyone searching for carefully considered pensions and investments advice. What sets Jayna apart is that she is very patient, personable and helpful. The very definition of a 5 Star service.

Patrick O’Donoghue Business owner/Director, Shoreham-by-Sea

Jayna is a professional. Clearly at the top of her game. Her work transferring my pension was exceptional!

Mark Harvey Senior Finance Manager, Hove

Jayna clearly explains all the complex aspects of retirement funding. She is patient and does not rush me to make decisions, showing me the pros and cons of various options. I am very happy with the advice and service provided by Jayna and would happily recommend her to others.

Sonja Stewart Senior Regulatory Affairs Manager

Jayna has been very helpful & professional. She provided excellent pension advice to me. I would certainly recommend her to others.

Ian Shears Brighton

Jayna is both friendly and approachable, professional and knowledgeable. It has been a pleasure to do business with her.

Xanna Chown

Jayna's advice when it comes to both my pension and finances has always been second to none. I would recommend her services. My wife has also just started a pension and is also very impressed.

Peter Holland Business owner
SJP Approved 17/04/2023

The Partner Practice 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 The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.

JPS Wealth Management Ltd is registered in England and Wales, Number 09274545. Registered Office: 14a Montpelier Place, Brighton, BN1 3BF.