ISA Planning

Finding confidence in a different
way to save

Investing on your terms
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Expert advice to find an ISA that suits you

An individual savings account (ISA) allows you to save or invest money in a tax-efficient manner. With an ISA, you won't need to pay Income Tax on the interest made from the account or pay Capital Gains or Income Tax on any profits from investments.

ISAs are available for both children and adults, with a variety of accounts to suit different savings or investment goals. ISA investors must be UK resident for tax purposes. Our advisers will sit down with you and take the time to build a tailored plan that sets out how you can invest your money in an ISA and understand how your money is working. Depending on how much you want to put away, or how quickly, we'll work to find a solution that suits you. Whether you’re looking to open your first ISA or transfer an existing one, we’ll consider your options while taking a holistic view of your circumstances, building a strategy that’s targeted towards your personal goals.

How we work

ISA planning backed by industry expertise

We offer access to Stocks & Shares ISAs and Junior ISAs that draw on the expertise of some of the world’s top investment professionals. With their input, we are able to help clients match the risks they are prepared to take with a well-diversified and balanced portfolio of options.

Our advisers will work with you to create an appropriate strategy that aims for income and/or capital growth. Through regular reviews, we can adjust the fund selection to reflect changing needs and markets. ISAs are subject to an allowance – every year you can invest a certain amount of money into an ISA. The annual allowance for 2023/24 is £20,000, so it’s important to work out how best to use this your allowance to your advantage. The ISA allowance run from April to April, in line with the tax year.

The value of an ISA 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 you invested.

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

An informed approach to ISA planning

 

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.

Self-service:

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

What we offer

The different types of ISA

With a wide range of ISAs available, our advisers are happy to talk you through your different options and help you find the best fit for your circumstances.

Stocks & shares ISAs

Money paid into a Stocks & Shares ISA is invested in the stock market. As a result, it has the potential to grow at a faster rate than in a Cash ISA – though there are more risks involved. Our advisers will take the time to talk through this option with you understanding your individual attitude to risk and find out if it’s a beneficial option for your money.

Junior ISAs

Tax-friendly Junior Individual Savings Accounts (JISAs) offer an option for children under 18 years old. Any returns are free from Income Tax and Capital Gains Tax and savers can typically make regular or one-off payments up to the current annual limit of £9,000. Money held in a JISA is locked in until the child reaches 18. We’ll use our expertise to help you determine the best saving method for you and your family in the most tax efficient way, through a Cash or Stocks and Shares JISA.

Cash ISAs

Cash ISAs are the traditional ISA type, offering a tax-efficient approach to saving. Some ISAs allow you to withdraw money at any time without fees, whilst others may charge you for withdrawals.

Please note: Although we don’t offer Cash ISAs, we can refer you to a Cash ISA provider; get in touch with one of our advisers for more information.

Innovative finance ISAs

An Innovative Finance ISA (IFISA) allows you to lend money directly to other individuals or businesses through peer-to-peer lending platforms or invest in crowdfunding projects. This means your money is used to fund loans or projects, and you earn interest or potential returns based on the outcome. Like other ISAs, the interest or returns you earn through an IFISA are very tax efficient.

Please note: Although we don’t offer Innovative Finance ISAs, we can refer you to a Innovative Finance ISAs provider; get in touch with one of our advisers for more information.

 

Lifetime ISAs

A lifetime ISA is designed to help individuals get on the property ladder or save for retirement. These ISAs are available for those aged between 18 and 40. The government will add a 25% bonus to your savings, up to a maximum of £1,000 per year. Although you can withdraw money at any time, you’ll have to pay a 25% withdrawal charge to the government if you take out money when you’re not buying a house or entering retirement.

Please note: Although we don’t offer Lifetime ISAs, we can refer you to a Lifetime ISA provider; get in touch with one of our advisers for more information.

The value of an ISA 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 you invested. An investment in a Stocks and Shares ISA will not provide the same security of capital associated with a Cash ISA.

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

An informed approach to ISA planning

At Lester Brunt, we want our clients to have a clear understanding of their finance and investment options, making financial planning more accessible to all. Whether you’re new to ISAs or want to make sure your money is working is hard as possible, our advisers are happy to talk to you about your saving options. Our holistic approach means that we take stock of your life as a whole, finding the strategies that will work best for you as an individual.

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

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