Senior Corporate Executives

For those in executive roles, working alongside an experienced wealth manager can make a significant difference when it comes to developing a well-balanced financial plan. Protecting your financial interests and helping you to achieve your long-term financial goals is at the heart of everything that we do.

Can you answer the following questions?

  • Are your personal affairs as tax efficient as they could be?
  • How soon do you want to retire?
  • Have you protected your pension lifetime allowance?
  • How will the latest pension legislation affect you?
  • Are your previous pension arrangements still working hard enough?
  • How much money will you need when you retire?
  • Have you protected your pension and death benefits for your loved ones?

If you have answers to all of these, you’re well on your way to financial stability. However, many seasoned corporate executives lack the time and resources to manage their personal finances.  Without consistent management and review your financial plan can run the risk of falling short in terms of performance and compliance.

We will carefully assess your current pension plans to determine if any of the modifications in tax exemptions and allowances affect you.

We will work together to discuss your aspirations and objectives, whether they are for five years down the line, or fifteen. From there, we’ll build a comprehensive financial plan to support you in achieving those 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.

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.

Easing the tax burden:

As a Senior Corporate Executive, you should always be looking for ways to optimise tax efficiency and minimise your taxes. By strategically implementing the right plan, you can significantly reduce your overall liabilities.

If you surpass £150,000 in total earnings, your income tax liability will be split evenly between you and HM Revenue & Customs (HMRC).

Moreover, you'll be paying a hefty 60% in taxes on any income between £100,000 and £125,000. This is due to your Personal Allowance tapering or decreasing when you earn greater amounts (2022/2023 tax year).

Harnessing the expertise of a financial advisor can be an invaluable asset when it comes to controlling your tax liability.

Protecting your pension benefits for your loved ones.

One of the safest ways to safeguard your pension from tax (and potentially guard it from issues such as bankruptcy or divorce) is to establish a Trust* specifically created to collect death benefits from retirement plans, could be the way forward.

Your pension is a valuable asset that will give you much-needed income once you've retired. But did you know it can also provide additional benefits for your family if anything happens to you before the age of 75, either during or after working?

This could be a substantial amount of money.

When selecting where to deposit your benefits, you may have chosen for them to be paid directly out to your spouse, civil partner, or partner ('survivor'). However, it is important to remember that these funds would then become part of their estate.

And, upon death this could potentially create or increase a liability to Inheritance Tax (IHT) which could result in taxes of up to 40%.

Neglecting to take the proper precautions can also lead to a total loss of your death benefits.

We have access to an exclusive Asset Preservation Trust which is designed to protect your investment and avoid any issues that could eat into their value.

However, before deciding if this tool is right for you, it's crucial to evaluate your unique circumstances.

The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is dependent on individual circumstances. 

*Please note that Trusts are not regulated by the Financial Conduct Authority. 

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.