Financial planning and wealth management for your future

Make informed financial decisions with advice shaped around your life, your family and your longer-term ambitions.

From investments and retirement to protection, mortgages and business planning, access personalised advice designed to help you plan, protect and pass on wealth with greater clarity.

AP Financial Advisers Limited is a connected company under common ownership with Accounting People Limited. The companies are separate legal entities.

Important decisions are easier with a clear plan

Financial priorities can become difficult to manage when pensions, investments, family commitments and business interests are considered separately.

01 No clear financial direction

You may have several pensions, investments or savings accounts without knowing whether they are working towards the same goals.

Uncertainty about retirement

It can be difficult to know how much income you may need, whether existing pensions are on track and which choices to make later.

02 Family or business risks

Illness, death or the loss of a key person can affect mortgage payments, family security and the continuity of a business.

03 Wealth tied to the business

Business owners and company directors may need a plan for pensions, protection, succession and building assets outside the company.

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See the wider picture of your finances

Your adviser will take time to understand your circumstances, priorities and future plans before recommending an appropriate way forward.

A financial plan can bring together your current position, future income needs, retirement objectives, protection requirements, business interests and plans for future generations.

Financial planning for different stages of life

Advice can be shaped around personal goals as well as the opportunities and risks connected with a career, family or business.

Advice focused on your main financial priorities

Important risk information

The value of investments and pensions can fall as well as rise. You may receive back less than the amount invested. Tax rules, pension allowances and available reliefs can change, and their value depends on individual circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage. Some mortgages, commercial lending, business lending and specialist banking may not be regulated by the Financial Conduct Authority.

Will writing, Powers of Attorney and certain legal services are provided separately and are not regulated by the Financial Conduct Authority. Separate legal, tax or trust advice may be required.

Explore the main areas that can be brought together within a personalised financial plan.

01 Investment planning

Consider your goals, timeframe, attitude to risk, capacity for loss and the balance between potential growth and income.
✓ ISAs and Junior ISAs
✓Investment bonds and managed portfolios
✓Tax-efficient opportunities where suitable

Retirement and pensions

Review existing pensions, contribution planning, likely future income and suitable retirement-income choices.
✓ Pension reviews
✓ Contribution and allowance planning
✓ Drawdown and annuity options

02 Protection planning

Consider how your family, mortgage payments or business responsibilities could be managed following illness, injury or death.
✓ Life and critical-illness cover
✓ Income protection
✓ Key-person and shareholder protection

03 Mortgage advice

Understand available mortgage options and how borrowing may fit with your wider financial circumstances.
✓ First-time buyers and home movers
✓ Remortgaging
✓ Self-employed applicants and directors

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05 Business owners and directors

Bring pensions, personal investments, protection, business shares and plans for a future sale into one wider financial plan.
✓ Building wealth outside the company
✓ Business protection and succession
✓ Planning before and after an exit

Family wealth and later life

Explore how wealth may support your family during your lifetime and pass to future generations.
✓ Saving for children and lifetime gifts
✓ Inheritance Tax considerations
✓ Long-term care and estate-planning coordination

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Financial advice with awareness of the wider picture

Personal advice

Recommendations are based on your circumstances, financial objectives and capacity for risk.

01 Clear explanations

Your adviser explains the options, relevant risks and charges in understandable language.

02 Connected support

With your permission, relevant factual information may be shared with your accountant when coordination is useful.

03 Ongoing reviews

Your arrangements can be reviewed as your life, family, business and longer-term goals change.

04 Separate professional responsibilities

AP Financial Advisers remains responsible for its financial advice. Accounting People remains responsible for accounting or tax services it has been separately engaged to provide. Any other specialist provides their service separately.

Important answers before you proceed

These questions explain who provides the advice, the restricted nature of the service and the main planning areas available.

Who provides the financial advice?

Financial advice is provided by AP Financial Advisers Limited. It is a connected company under common ownership with Accounting People Limited, but the companies are separate legal entities.

Is AP Financial Advisers independent?

No. AP Financial Advisers provides restricted advice relating to St. James’s Place wealth-management products and services. It does not provide independent or whole-of-market investment advice.

Can you help with investments and retirement planning?

Yes. Advice may include investment planning, pension reviews, contributions, future retirement-income needs and suitable retirement options, depending on your circumstances and attitude to risk.

Do you advise business owners and company directors?

Yes. Financial planning can consider pensions, investments, family and business protection, business succession, a future company sale and building personal wealth outside the company.

Can you provide protection and mortgage advice?

Protection and mortgage advice is available within AP Financial Advisers’ permitted service range. Recommendations depend on your needs, affordability, eligibility and the relevant provider or lender criteria.

Do I need to be an Accounting People client?

No. You can contact AP Financial Advisers directly whether or not you currently use Accounting People for accountancy or tax services.

Take the next step towards a clearer financial future

Arrange an initial conversation to discuss investments, retirement, protection, mortgages, business planning or passing wealth to future generations.

An initial conversation helps you understand the service. You are not required to proceed with a recommendation or financial product.

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Regulatory information

Financial planning and wealth-management advice is provided by AP Financial Advisers Limited, a connected company under common ownership with Accounting People Limited. The two companies are separate legal entities and remain responsible for their respective services.

AP Financial Advisers Limited is an Appointed Representative of St. James’s Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority.

AP Financial Advisers Limited represents only St. James’s Place Wealth Management plc for the purpose of providing advice on the St. James’s Place group’s wealth-management products and services. Its advice is restricted and is not independent.

AP Financial Advisers Limited is registered in England and Wales under company number 13071713. Its registered office is Devonshire House, 582 Honeypot Lane, Stanmore, Middlesex, HA7 1JS.

The value of investments can fall as well as rise. You may receive back less than the amount invested.

The levels and bases of taxation and available tax reliefs may change. Their value depends on individual circumstances.

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

Will writing, Powers of Attorney and auto-enrolment products and services are not regulated by the Financial Conduct Authority.

Where a client is introduced to a separate specialist, that provider’s services will be separate from those offered by Accounting People Limited, AP Financial Advisers Limited and St. James’s Place.