Financial Planning

Financial planning that cares about you

Building a financial plan
that providesthat cares that works

for all generations

Bespoke financial planning solutions

When it comes to financial planning, at Lester Brunt we know that you want to find the best outcomes for you and your family – to help live your life to the full and take care of future arrangements.

It’s important to us that we find bespoke solutions for our clients, giving you the flexibility and tools to understand all the options available to you. Whatever service you’re looking for, you can rest assured that our advisers are here to make sure you find financial peace of mind. For us, financial planning is about helping you find the confidence and security to achieve your goals, with a holistic approach that considers your future, aspirations and family.

Getting advice.

See how we can help you
on your financial journey

Estate planning

Simplify estate planning, mitigate Inheritance Tax.

Mortgage planning

Secure your dream home with us.

Pension advice

Customised retirement planning for financial security.

Retirement planning

Tailored retirement advice for a secure future.

Trust Planning

Trust planning for comprehensive asset protection.

Will Writing

Tailored will writing referrals for you.

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

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 is generally dependent on individual circumstances.

The writing of a Will involves the referral to a service that is separate and distinct to those offered by St. James's Place. Wills along with Trusts are not regulated by the Financial Conduct Authority.

What we offer

Financial planning that makes sense

When it comes to financial planning, our focus is on making sure you feel equipped to make informed decisions. We aren’t here to bamboozle you with jargon or rush you through complicated processes; we want to get to know you properly, and understand your life and goals, to help you find solutions that work for you and your loved ones.

For more details about services that we offer reach out to us on 01202 695801, or click the button below.

Trust Registration

Trust Registration Changes


What is the Trust Registration Service?

Since 2017 HMRC have required any tax-paying Trusts to be registered with them through the online Trust Registration Service (TRS).

What is changing as a result of the new requirements in the TRS and why?

The latest UK Money Laundering Regulations have now extended this requirement to include most non-taxable Trusts which also now need to be registered on the TRS. This is to comply with the 5th Anti-Money Laundering Directive.

When do Trusts need to be registered?

Any existing non-taxable Trust must be registered by 1 September 2022. Any new Trust must register by 1 September 2022 or within 90 days of being created (whichever is later). This means that a Trust set up before 4 June 2022 will have to be registered by 1 September 2022. Any Trust set up from 4 June 2022 will have to be registered within the following 90 days. For this reason, registering a Trust on the TRS will become a requirement in the process when advising on all new Trust business. Any changes made to the Trust (change of Trustee, Beneficiary etc) must also be notified to the register within 90 days of the change.

Which Trusts need to register on the TRS?

HMRC provides a full list of Trusts that are excluded from registration, but generally speaking all SJP Trusts; including Gift Plans, Discounted Gift Trusts (DGT), Loan Trusts, Asset Preservation Trusts (APTs) and Designated Unit Trusts require registration.

Exceptions are:

• Asset Preservation Trusts set up before 6 October 2020 that hold assets worth less than £100
• Trusts where the only asset is a protection plan (a policy that only pays out on death, terminal or critical illness or disablement or to meet healthcare costs)
• Trusts holding the benefits from a policy received after the death of the life assured, providing the benefits are paid out from the Trust within two years of the death

UK Trusts (i.e. all Trustees are UK resident or, at least one Trustee is a UK resident and the settlor was a UK resident/domiciled, when they set up the Trust or added property to it) may have an obligation to register in an EU country, instead of, or in addition to, the UK register. This may occur where one or more of the Trustees reside in an EU Member State. Each member state of the EU has different requirements to register, you may need to refer to that Country’s local regulations. Certain non-UK Trusts (i.e.
other than UK Trusts ) must also register with HMRC, for example if they acquire land in the UK on or after 6 October 2020, or if they have UK tax liabilities, or if one of the Trustees is UK resident and they enter into a business relationship with a UK financial institution. For complex cases, you may need to speak to the Tax, Trusts & Protection Team and Clients may need to seek specialist tax advice.

For help registering your Trust, watch this video:

If you have any questions please get in touch.


In an age where the online world is at our fingertips, why shouldn’t your wealth management be there as well? Our Online Services allow you to access all your wealth investments in one smart place. Whether you’re already registered, or just about to, here are some great features that can help you get the most from your online account.

Online registration:

Registering for Online Services with an activation code allows instant access. If you haven’t got a code, please contact your adviser. Registering online ensures all information is password protected.

Set your preferences:

Set your communication preferences to receive your digital reports and electronic correspondence.


Make online debit card payment for ISA and any JISA top ups with a debit card

linked to your account, on demand and at a time that suits you. Make payments to Unit Trusts, Retirement Accounts and new ISAs. (Speak to your adviser in order to get this process started) View the value of your investments in a range of currencies and see a breakdown of

this valuation. Instant notifications when a new document is available to view.

For every client opting for paperless correspondence, St. James’s Place will donate £5,to the St. James’s Place Charitable Foundation.

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 favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.

Investing in their future:

Less well-known is that children can also have a pension fund as soon as they are born – and setting one up can bring significant tax advantages. Even if your child is a non-taxpayer, they will still get basic-rate tax relief on contributions. That means a maximum of £2,880 a year is automatically grossed up to take account of tax at 25%, giving an annual investment of £3,600


Want to find out more?

Get in touch today to see how one of our advisers could help you.





Your Partner, together with St. James’s Place Wealth Management plc, are the data controllers of any personal data you provide and any further information which you subsequently provide to us. For further information on our uses of your personal data, please see the Partner’s privacy policy which can be accessed on their website and St. James’s Place Wealth Management plc’s privacy policy which can be accessed at

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