Enjoy life now without worrying about running out of money later
Tailored financial advice for your 30s & 40s
Starting to build wealth
Navigating savings
Prioritising spends
Start investing
Protecting wealth
Midlife priorities & goals
Career & business growth
Children’s education
Retirement planning
Insuring you and your family
Enjoying later life
Later life planning
Pension options
Managing lifestyle choices
Leaving a legacy
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.
Live the life you love without neglecting your financial future
Life’s too short to skip your morning flat whites, decline every dinner invite, or cancel your dream holiday—but ignoring your finances can steal from your future self.
You deserve a life where present joy and future security coexist. Let’s break it down.
"Am I Doing Enough?"
It’s easy to feel overwhelmed:
You’re working hard but still worry about saving enough for retirement.
You want to enjoy life now—travel, dinners out, and treating yourself
Financial jargon? It’s like a foreign language.
The nagging thought: Will I regret not doing anything about this later?
The best time to act was yesterday; the next best time is now.
You don’t need jargon or spreadsheets. You need a clear, tailored plan - you need a Money Map.
As a financial adviser, I help women create this.
A roadmap to live the life you love while preparing for the future.
A guilt-free balance of income, spending, and savings goals.
A strategy where holidays, flat whites, and financial independence fit together seamlessly.
This isn’t one-size-fits-all—it’s a plan built around you. Your goals, values, and priorities.
Imagine This
You’re planning your next holiday, because your emergency savings are sorted.
You’re enjoying dinners and coffees, guilt-free, knowing future you can afford to enjoy life too.
The earlier you start, the less you have to do. So start your journey to financial freedom today!
FAQs
Q: When should I start thinking seriously about retirement planning?
A: Today! The earlier you start thinking about it and start saving for future you, the less you need to do long term.
Compounding is your best friend if you are in your 30s and 40s.
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.
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It means earning profit on both the amount you have invested, as well profit previously earned. This means that as time passes, the amount of profit earned grows at an accelerating rate because each period's profit is calculated based on a larger sum.
For example, if you invest £5,000 annually with a 5% growth rate:
Starting at Age 20: By age 65, you could have around £838,426.
Starting at Age 35: You would only accumulate about £348,804.
Starting at Age 45: Even if you doubled your contributions to £10,000 per year starting at this age, you'd still end up with less than someone who started saving earlier at a lower rate.
These figures are examples only and they are not guaranteed - they are not minimum and maximum amounts. What you get back depends on how your investment grows and the tax treatment of the investment. You could get back more of less than this.
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I believe that life is for living, so it is important to enjoy today. But it is also important to make sure future you can afford to keep enjoying life.
To balance this and other goals, it is important to look at where you are today, what goals you have and where you want to be. Then look at what assets, savings and extra income you had to put towards these. Building a Money Map does exactly this - so you know how to balance everything, in the most tax efficient way.
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Common mistakes are accumulating high interest debt, not having an emergency fund, not saving and investing enough for your future. A Money Map and budgeting helps with this. Another mistake is neglecting having protection in place and not reviewing it as your life changes. Finally, don’t get caught up in investment fads or finfluencer scams - do your due diligence and never take financial advice from someone that is not regulated by the Financial Conduct Authority!
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We all have to start somewhere. Most of my clients have never invested before and do not know where to start. Our meetings guide you through the basics of investing, helping you understand risk tolerance and investment options suitable for your goals.
Financial Freedom Blog
