The‘St. James’s Place Partnership’ and the titles‘Partner’ and‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives. Members of the St. James’s Place Partnership represent
St. James’s PlaceWealth Management plc, which is authorised and regulated by the Financial Conduct Authority. St. James’s PlaceWealth Management plc, St. James’s Place UK plc, St. James’s Place Unit
Trust Group Ltd and St. James’s Place International plc are members of the St. James’s PlaceWealth Management Group. St. James’s Place UK plc is authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority. St. James’s Place UnitTrust Group Ltd is authorised and regulated by the Financial Conduct Authority.
St. James’s Place International plc is authorised and regulated by the Central Bank of Ireland. St. James’s PlaceWealth Management plc Registered Office: St. James’s Place House, 1Tetbury Road,
Cirencester, Gloucestershire, GL7 1FP, United Kingdom. Registered in England Number 4113955.
The sweeping pension changes proposed in the 2014 Budget will come into effect next April. If you are reaching
retirement or have already retired, these could have a fundamental impact on how you take your pension benefits.
To find out more about the opportunities that will soon be available to you,
please speak with your St. James’s Place Partner.
The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on
individual circumstances.
These changes mark a radical departure from the existing system, by
giving choice back to individuals and trusting them with their own finances.
From April 2015 individuals will have the freedom to make the decisions
that suit their own circumstances.
HM Treasury, July 2014
“
”
Freedom and choice in pensions
