using your savings
If it’s now time for you to access your savings, to provide you with an income, or you simply want to spend some of it we can help.
At Sapphire Financial Planning we can put together a plan for you, explaining how best to use the savings pots you have.
You want to know your money will continue to be looked after and it will continue to work hard for you.
Let us share some of our time with you and you will receive a personal plan explaining what is best for you to achieve your goals.
If you’re looking for more information right now then please read on.
These are some of the facts we take into account when developing a personal plan for you.
Click on the questions to find our reply…
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Which savings pot to use first?
We can help you plan which of your savings to use for which of your goals. With new pension flexibilities there is more opportunity to consider all of the savings you have made together and help you keep your more tax efficient savings for longer. Different types of accounts have different rules and tax breaks and we can advise you on what your options are.
At Sapphire Financial Planning we can give you a personal plan explaining what your options are and what is best for you.
How to minimise money taken by HMRC?
With careful planning we can help you keep your more tax efficient savings for longer. Different types of account have different rules and tax breaks and we can advise you on what your options are.
At Sapphire Financial Planning we can give you a personal plan explaining what your options are and what is best for you.
How much of your savings do you need to use, to achieve your goal?
We can help you see all your savings at a glance and what they all provide for you to help you plan for the spending you need now and potentially in the future.
At Sapphire Financial Planning we can give you a personal plan explaining what your options are and what is best for you.
If there’s a best time for you to access your money?
If you have a definite date when you need your savings we can advise you which of your savings would be best to use. And if you don’t have a definite date then we can advise you what would be the best timing, given the types of accounts you have and your plans.
At Sapphire Financial Planning we can give you a personal plan explaining what your options are and what is best for you.
The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.
The Partner Practice is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the group’s wealth management products and services, more details of which are set out on the group’s website www.sjp.co.uk/products. The ‘St. James’s Place Partnership’ and the title ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.