Protection Planning

What would happen in the event of an illness?  Are you prepared should you suffer a loss of income?

Protection answers our fundamental desire to keep safe things that we hold dear.

Choosing which specific types of insurance should be a priority for you can be a tricky task.

Which of the following insurance covers would be top of your priority list?
  • Stolen car
  • Burglary
  • Major illness, e.g. heart attack
  • Stolen credit cards
  • Fire at home
  • Your family surviving without your income

Most people feel that all of the above insurance covers are important to them.

But how many of them do you currently have?

Providing protection cover in the various forms of life, critical illness and disability solutions is one of the fundamentals of our business.

Working with carefully selected providers, we offer access to an extensive product range including:
  • Life Cover (including Term Assurance and Whole of Life)
  • Critical Illness
  • Income Protection
  • Employee Benefits
  • Private Medical Insurance

These are just a selection of the solutions available.

We would love to sit down with you and discuss your own personal circumstances, before tailoring a solution specifically for your needs.

About Us

Our philosophy as an Associate Partner Practice of St. James’s Place Wealth Management is to offer our clients expert service of quality and integrity. We recognise that each one of our clients is unique and therefore we provide a bespoke service.

We specialise in offering a wide range of expertise to help both individuals and business people understand and manage their finances by taking a realistic and long term view of their future financial goals.

Our clients benefit from trusted and ‘guaranteed’ advice. This, combined with experience and a high level of service and ‘after care’ which can be difficult to find not only in financial services, but many industries.

St. James’s Place guarantees the suitability of the advice given by members of the St. James’s Place Partnership when recommending any of the wealth management products and services available from companies in the Group, more details of which are set out on the Group’s website at

Fylde Wealth Management is an Appointed Representative of and represents only St. James’s Place Wealth Management
(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 The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.

Investing for income or growth?

Whether you’re looking to invest for income or growth, the right investment strategy is critical in helping secure your future financial well-being.

We can offer you advice which helps create the right investment strategy, based on your own specific circumstances. The St. James’s Place range of investment solutions and ongoing services has been carefully refined to help you reach your financial goals.

St. James’s Place risk-rated portfolios enable you to spread your investments across a wide range of global asset types, run by fund managers with different investment styles, to create a balanced and diversified investment solution.

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


It’s never too soon to get started…

When it comes to thinking about your retirement, it’s never too soon to get started. In an increasingly uncertain financial landscape, now is the time to ensure you have access to the expert retirement advice you’ll need.

More than ever, it’s vital to make the most or your retirement opportunities. We will help you set up or review your existing retirement strategy.

We offer a full range of expert advice and services across all areas of retirement planning. Whether you’re looking to maximise your pension fund, you’re nearing retirement yourself, or you’re managing employee retirement, speak to us today.

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


Benefitting the whole family…

The creation and retention of wealth are goals many of us aspire to. However, when our objectives change and it comes to providing for successive generations, it is the protection of accumulated wealth which becomes important, including the effects of Inheritance Tax (IHT).

IHT is charged at 40% on all assets above an allowance known as the nil rate band (NRB), currently set at £325,000. The NRB can be up to £650,000 for married couples and registered civil partners where the exemption is not used on first death. And given the surge in property values in recent years, it is clear that what was once a tax on the wealthy, is now falling on people of less expansive means. As a result, the phased introduction of the residence nil rate band (RNRB), from April 2017, was a much welcomed addition for those who meet the criteria.

Wealth also needs to be protected from a plethora of outside ‘events’, many of which may lead to your chosen beneficiaries being unable, unwilling or insufficiently responsible to look after funds themselves. This includes generations not yet born, those who may be at risk of divorce or bankruptcy and those liable to the expense of long term care provision/costs.

There are three practical courses of action that may be taken to preserve and enhance your wealth for your heirs:

  • Make sure your financial affairs and your Will are arranged to allow the tax efficient transfer of your assets on death.
  • Transfer assets before your death through the prudent use of lifetime gifts.
  • Create a tax efficient fund to provide a legacy or to enable the beneficiaries of your estate to meet any IHT liability.
  • To create wealth takes enterprise, vision and usually a mixture of hard work and good fortune. To retain and protect wealth also requires vision along with well thought out trust and estate planning.

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 tac relief depends on individual circumstances.

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


To arrange a meeting, make an enquiry or request a call back – CLICK HERE

For directions to our offices – CLICK HERE