Your finances in your 30s

Are you feeling young and carefree, spending your salary by the end of each month? Possibly, but possibly not. If you’re over 30, you may be still enjoying life to the full, but the added responsibilities of family and career are increasingly taking priority and changing your outlook.

Raising a young family, paying the mortgage and moving forward in your career are just some of the plates you could be spinning. They don’t leave much time for you to think into the future and plan ahead. Do you need to think about funding school fees? That’s about £15,000 a year for many years to come. ¹ Maybe a second property or holiday home could be a reality. The question is: “What do you want your life to look like?”

Taking steps early on in your career to map out your financial future and aspirations with an expert adviser will set you on a path to optimise your wealth and give you a clearer perspective on what matters to you most.

¹ schoolguide.co.uk – May 2022

Business strategies to build on

Building wealth through your own business is a rollercoaster. The challenges can be huge, but so too can the rewards.

We’re experts at supporting business owners with financial planning at every stage of their journey, from start-up to growth and maturity, through to their eventual exit. We can help you put the right strategies in place to capitalise on your entrepreneurship and create the business and lifestyle you want.

*Exit Strategies may include the referral to a service that is separate and distinct to those offered by St. James’s Place.

Investing bonuses to set your wealth to work

Company bonuses are a reward for your hard work. They should be celebrated and enjoyed. But they are also an important opportunity to bring your future financial goals closer.

By putting that wealth to work by investing tax-efficiently for the medium to long term, you can optimise the potential of your earnings to help towards making those plans a reality. Early retirement, a boat maybe or the holiday experience of a lifetime – by balancing living for today and investing for the future, you can make those plans happen.

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 depends on individual circumstances.

What's your target age to stop work?

What could be more motivating than having a target age for retirement and a clear financial strategy to reach it? We can help make that happen.

As your ambition drives you towards that goal, we’ll be there as your co-pilot and navigator, adjusting the plan and keeping you on course to a destination of true financial freedom. One where you can do what you like, when you like.

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Explore what wealth means to you.