Fed up with taxation? Lack of trust or service with banks or other providers? Don’t have time or the inclination to manage your finances? Wondering where to turn?

Look no further. The financial environment is fast changing and can be complex. Howard Financial Planning is committed to ongoing face to face advice and support. Based on core values of excellence of service and above-all, integrity, we will provide you with the wealth management and other financial planning solutions that you need now and in the future. We work closely with all clients, building relationships based on trust and having an in-depth understanding of personal finances.

With guaranteed advice and the distinctive investment approach at St. James's Place, we are able to offer solutions in all aspects of financial planning including:

• Building and Preserving Capital
• Investing for Income
• Managing Cash and Borrowings
• Mortgages
• Personal Protection
• Retirement Planning/Pensions
• Inheritance Tax Planning
• Trusts*

We offer you a no obligation comprehensive financial review. With the quality and breadth of products and services available through St. James's Place, we can help you take control of your finances now and in the future as needs or circumstances may change.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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. Equities do not have the security of capital which is characteristic of a deposit with a bank or building society.

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.

*Trusts and some areas of Inheritance Tax Planning are not regulated by the Financial Conduct Authority.