Financial planning
for individuals

How it works…

Getting to know you better

We pride ourselves on building long-lasting relationships with clients. No two people will have the same financial plan, because your circumstances, goals and milestones will all be different – you deserve a bespoke financial plan, which is what we will deliver. Mainly, we want to know what you want to achieve so we can help you to get there with confidence, at all stages of life.

Our approach

Financial planning should not be complex and tedious, but we know it can sometimes seem like it is.
We want to simplify the world of finance and make your financial decisions easier to approach and more enjoyable because working towards your financial goals should be exciting! At Woodruff Hill, we value the power of collaboration, so you know that your financial plan will be a joint effort and not just an ‘off the shelf’ solution.

Pensions

Looking towards to your ideal retirement

Retirement is something many of us look forward to, which is why it requires great planning to get there.

Pension planning ensures that you have the amount of money you need to pursue your ideal retirement, whilst also providing a proactive approach towards your investments and how they may change over time.

It is a financial safety net for you and your family, but more importantly, it can be the difference between a safe retirement and thriving in the later period of your life.

Additionally, tax reliefs and compounding returns can be explained and implemented into your planning too, making the process easy and hassle-free.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise.  You may get back less than the amount invested.

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

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Investments

Growing your wealth

You know that investing is essential for your financial future…but do you understand why you should invest, how to invest and what to invest in?

We will get to know your reasons for investing, also considering your attitude to risk and your goals for investment, so that we can give you the full breadth of advice you need.

You will be able to understand your investment options, build a balanced and diversified investment solution, and make the best choices for yourself and your loved ones.

Our investment planning advice services are specifically designed to help grow wealth and protect against inflation.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise.  You may get back less than the amount invested.

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

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Mortgages

Helping you make a fully informed choice

Getting to know you and your requirements is central to our process, and with some of the lowest interest rates ever seen, currently available on the market, there is a lot for you to consider when making your choice.
No matter your needs or circumstances, we have access to a range of first charge mortgages – we will also guide you through the process from start to finish.

We can remove the stress from the process so that you can focus on what you need to.

Your home may be repossessed if you do not keep up repayments on your mortgage.
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Protection

Protecting what matters

Whilst we might not be able to predict the future, we can help you to plan for events that might come unexpectedly, protecting you and your loved ones.

You want peace of mind that, should anything happen to you, your loved ones are protected, which is exactly what protection planning is here for.

Whatever comes up, we will be here to help you through the changes whilst protecting your income, with an extensive product range to suit your needs.

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