Where are you now and where do you want to be? Have you got a plan and the support structure to get there? Here are some questions you should ask yourself;

• Is your capital working as hard for you as you did to create it? 
• Is your money working as hard for you as you think it is? 
• Do you know who is looking after your money? 
• Are your assets assets, or liabilities? 
• Are you taking more risk than you need to? 
• Has your investment strategy changed over time perhaps as you’ve got older or as the world has changed? 
• Have you checked your financial fire exits? 
• Do you want to know how to cut your tax bill? 
• Are you using all of your allowances? 
• Confused by the flexibility available through the pension reforms of 2015? 
• When did you last audit your pensions? 
• Will your money outlive you or will you outlive your money? 
• How is your Succession Planning going? 
• Do you want to share your estate with the Government in power at the time? 
• Can your heirs pay your tax?

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.