Chris Hough

I am able to help clients by advising on savings, investments, insurance, mortgages, pensions, protection and overall financial planning, whether that be personally or for your staff or business. The key part of my service is to explain these sometimes complex financial areas in a clear and easy to understand format. We provide financial advice - to private individuals and business owners - using a holistic approach that will consider such matters as: - Private Pensions including pension transfers. - Tax optimisation/tax planning (i.e. minimising income tax, capital gains tax, corporation tax and inheritance tax). - Investment management - using a sensible, evidence-based, flexible approach. - Retirement strategy - considering the strategy for each of your assets and how they interact with each other. - Synergy between your business and personal financial plan. - Cashflow modelling/stress testing - We use software and your financial data, to stress test your funds, we can estimate when you will you run out of money, if you can afford that once in a lifetime holiday or even a holiday home and provide data to back it up so you can have confidence in retirement. - Estate planning - considering how your wealth will pass on to your loved ones after your death. - Employee benefits and Salary Sacrifice arrangements. - Business and Personal Protection (Life insurance, critical illness, Key person, shareholder protection etc) An initial consultation is complimentary, can be held by phone, in person, or through software such as Microsoft Teams and Zoom, involving no commitment or expense for you. We can assess what you currently have in place and if it's going to be sufficient, if we find it's unlikely to produce the results you require, create a road map to your ideal financial future and give you peace of mind. 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. An investment in equities does not provide the security of capital associated with a deposit account 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. This Partner/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 at www.sjp.co.uk/products. The ‘St. James’s Place Partnership’ and titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.