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March 2025 | Phonebox Magazine 9Investing for the Future Products: Stocks & Shares ISAs, General Investment Accounts, Investment Bonds & Unit Trusts Case Study: Sarah, a 38-year-old marketing professional, realised perhaps that she was holding too much in the way of funds in her savings account with her bank, and wanted to grow her savings beyond the returns a traditional Cash ISA could provide. By investing in a Stocks & Shares ISA, she was still able to benefi t from tax eff ciency but also had more potential for long term growth. With professional guidance, she built a diversifi ed portfolio suited to her risk tolerance & needs. Retirement Planning Products: Workplace Pensions, Personal Pensions, Self-Invested Personal Pensions (SIPPs), Drawdown Pensions & Annuities Case Study: David, 55, a self-employed surveyor, had multiple small pension pots from previous employment but no clear plan for retirement, and felt he was getting too close, not to have a robust plan in place. We found a solution that matched his attitude to risk and end goals, giving him greater understanding and more control over his investments, ensuring he maximised his retirement savings and contribution allowances going forward. David was also in a much better position to weather any future changes to pension legislation.Tax-Efi cient Products Products: ISAs & TrustsCase Study: James & Rebecca, a highearning couple, ideally wanted to reduce their tax liability while investing. They explored bespoke solutions, which could provide them with tax relief. This strategy helped them balance their overall investment portfolio (which had other more standard investments) and gain tax advantages. Protection for Your Loved Ones Products: Life Insurance, Critical Illness Cover, Income Protection & Family Income Benefi tCase Study: Emma & Tom, parents of two young children, wanted peace of mind in case the unexpected happened. They opted for a combination of life insurance, critical illness cover & income protection, ensuring their family would be fi nancially secure if one of them became seriously ill, passed away or was unable to work over the long term. Protecting our family%u2019s stability and future, particularly whilst raising children is so important. Private Medical CoverProducts: Private Medical Insurance & Cash Plans Case Study: Adam, a busy consultant, valued quick access to medical treatment. By taking out Private Medical Insurance (PMI), he was able to access specialist care promptly, reducing downtime from work and allowing him to maintain his active lifestyle. Given the strains on the NHS at the moment, many people are fi nding that this is a worthwhile extra that their families should address independently. Why Financial Advice Matters Financial products can be complex, and choosing the right one depends on your unique situation. Whether you%u2019re planning for the future, protecting your loved ones, or securing your business, having the right strategy in place can make all the diffl erence. Seeking fi nancial advice ensures that you make informed choices and maximise the benefi ts of these products. If you%u2019d like to discuss how fi nancial planning can work for you, we%u2019d be happy to help. Get in touch on 01234 241441 for a friendly chat with either Laura or Stefanie to discuss your options!The value of an investment with St. James%u2019s Place will be directly linked to the performance of the funds selected and the value may fall as well as rise. You may get back less than the amount you invested. An investment in a Stocks and Shares ISA will not provide the same security of capital associated with a Cash ISA.Trusts are not regulated by the Financial Conduct Authority.The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.These are fi ctitious case studies. The solutions provided may not be suitable for everyone and the information provided here does not constitute advice.Advertising FeatureA Guide to Financial Products and How They Can Work for YouOften when we talk about the services we provide at Stefanie Price Wealth Planning, we focus on the importance of the %u201cplanning%u201d element of your fi nances. However, it%u2019s just as important to understand the fi nancial products available and how they can help you achieve your goals. Whether you%u2019re looking to invest for the future, protect your family, or safeguard your business, there are a range of options tailored to diff erent needs. We thought it would be good to take a look at some key fi nancial products and their uses, with some case studies as examples. www.stefaniepricewealth.co.uk%u2022 01234 241 441info.spwealth@sjpp.co.ukSJP APPROVED 20/02/2025 www.stefaniepricewealth.co.ukStefanie Price Wealth Planning is an Appointed Representative of and represents only St. James%u2019s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group%u2019s wealth management products and services, more details of which are set out on the Group%u2019s website www.sjp.co.uk/products. fi e %u2018St. James%u2019s Place Partnership%u2019 and the titles %u2018Partner%u2019 and %u2018Partner Practice%u2019 are marketing terms used to describe St. James%u2019s Place representatives.