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What are your duties? When do you need to act? Welcome to Stephen James Associates Ltd. Tel - (01964) 536053. Stephen James Associates Ltd are Professional INDEPENDENT FINANCIAL ADVISERS. Stephen Smith has served over 25 YEARS in Financial Services, and is continually taking formal qualifications to keep up to date with the changes in the Financial Services Industry. Stephen James Associates Ltd offer products from the WHOLE OF THE MARKET PLACE. Our OFFICES are situated on the HIGH STREET in Hornsea.

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What are your duties? When do you need to act? Welcome to Stephen James Associates Ltd. Tel - (01964) 536053. Stephen James Associates Ltd are Professional INDEPENDENT FINANCIAL ADVISERS. Stephen Smith has served over 25 YEARS in Financial Services, and is continually taking formal qualifications to keep up to date with the changes in the Financial Services Industry. Stephen James Associates Ltd offer products from the WHOLE OF THE MARKET PLACE. Our OFFICES are situated on the HIGH STREET in Hornsea.

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Homepage | sjaltd.com Reviews

https://sjaltd.com

What are your duties? When do you need to act? Welcome to Stephen James Associates Ltd. Tel - (01964) 536053. Stephen James Associates Ltd are Professional INDEPENDENT FINANCIAL ADVISERS. Stephen Smith has served over 25 YEARS in Financial Services, and is continually taking formal qualifications to keep up to date with the changes in the Financial Services Industry. Stephen James Associates Ltd offer products from the WHOLE OF THE MARKET PLACE. Our OFFICES are situated on the HIGH STREET in Hornsea.

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sjaltd.com

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Savings and Investments

http://www.sjaltd.com/Savings_and_Investments/Savings

What are your duties? When do you need to act? Why are we encouraged to save money? From childhood most of us are told to put away money to save for the future - perhaps for something special? Or perhaps to be sure that when we really need something we have the funds to acquire it, without taking on debt? We will be able to explain risk in more detail. Contact your financial adviser before making any decisions. Citywire Money: Latest News. Investment Trust Watch: FTSE calls Scottish Mortgage. Fund manage...

2

Pensions Simplification

http://www.sjaltd.com/Pensions/Pensions_Simplification_1

What are your duties? When do you need to act? Lsquo;A’ Day (the Appointed day) arrived on 6th April 2006 and brought with it sweeping and radical changes in relation to pension legislation. This has created a single universal regime that replaced the previous eight tax regimes and the changes affect all savers in occupational and personal pension schemes, employers and financial advisers. Early retirement age available from age 55. Up to 25% Tax Free Cash. In addition another raft of changes introduced ...

3

Workplace Pensions

http://www.sjaltd.com/Pensions/Company_Pensions_1

What are your duties? When do you need to act? Workplace Pensions (Auto Enrolment). Many companies offer a pension scheme to their employees. There are numerous different types available and usually the company will put some money into your pension if you decide to join. It is important that you take into account your existing pension provision or that from your previous employer before making any decisions. What do the changes mean for employers? Who needs to be automatically enrolled? Who can opt in?

4

Personal Pensions

http://www.sjaltd.com/Pensions/Personal_Pensions_1

What are your duties? When do you need to act? Personal and Stakeholder Pensions. Personal Pensions represent a popular and attractive way of saving for your retirement. All monies invested into your fund grow free of capital gains tax, and the contributions you make are enhanced by income tax relief at source. For example if you invest £80, the government adds on tax relief (currently 20%) to enhance your contribution to £100! Stakeholder pensions are similar to personal pensions but have their charges ...

5

Investing and Risk

http://www.sjaltd.com/Savings_and_Investments/Investing_and_Risk

What are your duties? When do you need to act? This page includes some of the good reasons for making investments into 'funds' run by 'fund managers' on behalf of the investors. Another advantage of pooled investment is being able to diversify. The value of investments may fall as well as rise. You may get back less than you originally invested. Citywire Money: Latest News. Investment Trust Watch: FTSE calls Scottish Mortgage. FTSE surges as US jobs dash rate rise prospects. Funds Focus: a shocking year ...

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What are your duties? When do you need to act? Welcome to Stephen James Associates Ltd. Tel - (01964) 536053. Stephen James Associates Ltd are Professional INDEPENDENT FINANCIAL ADVISERS. Stephen Smith has served over 25 YEARS in Financial Services, and is continually taking formal qualifications to keep up to date with the changes in the Financial Services Industry. Stephen James Associates Ltd offer products from the WHOLE OF THE MARKET PLACE. Our OFFICES are situated on the HIGH STREET in Hornsea.

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