Now that you have a new house, it's the perfect time to arrange your finances.
It's important to have a clear picture of your financial situation so you can make the best choices for your future.
A financial planner can help you create a budget, save for retirement, and make the most of your money.
Faye RICHARdS has just make it possible for you to move to your dream house
Now it's the perfect time to review your budget and make smart decisions with your money
The first step after purchasing a home is to review your monthly budget. This will help you determine how much money you can dedicate to your housing costs and any other expenses related to the new home.
Secondly, it is important to set up an emergency fund for raining days so that you have a cushion of funds for unexpected costs associated with owning a home. You should be asking questions about protection for you, your new home and your income to guarantee nothing can surprise your financial plan.
Consult with a financial adviser to know the best way to manage your savings, and how to do it in the most tax-efficient way.
You secured your home, now it's time to plan to secure your future.
The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and the value may fall as well as rise. You may get back less than you invested.
Now that you have your mortgage it's time to think about safeguarding your most valuable assets
Personal insurance, this relates to life cover, critical illness and income protection. These are to help protect you and your family from the ‘what ifs’ and to ensure you can continue to live in your property and support your loved ones should the worst happen.
Home insurance, buildings cover is mandatory for freehold properties and should be in place from point of exchange of contracts. Contents cover is to protect your belongings.
A Will to ensure your property can be left as per your wishes in the event of death.
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"The team at Castell have supported our rapidly growing business Sochitel with advice and help around our corporate benefits, including company pension schemes, income protection for staff and death in service group benefits. James has provided excellent advice on these work benefits alongside tax-efficient cash-extraction from a share sale. I cannot recommend him highly enough to any growing business. It has been a privilege to be part of their ecosystem of influential clients."
Jerry, CEO Technology Platform
“As a business owner, I needed an adviser who understands that my commercial and financial objectives must be aligned and that, ultimately, my business is my retirement vehicle. James and his team have put this at the heart of their advice, transforming my investment strategy and providing the clarity, focus and reassurance of a long term plan that will deliver the lifestyle and security that I want for me and my family. The responsible and sustainable approach is the icing on the cake. I have no hesitation in recommending them to other business owners looking to grow or sell their business."
Zaid Hasmat Ali, Business Owner & CEO
"Castell Wealth Management have provided a friendly and efficient service and I feel comfortable in the knowledge they are structuring my finances effectively, and being proactive with them."
Edward Moore, Founder & CEO
The value of an investment with St. James's Place will be directly linked to the performance of the funds selected & the value may fall as well as rise. You may get back less than you invested.
We are a progressive financial advisory firm that provides lifelong wealth management strategies for our clients. We offer a full range of services across investments, retirement, & protection that are focused on helping you to achieve your life goals whilst also trying to make a positive impact on the world around us.
Towards a better world.
For us, wealth management is part of life management. We know that our financial wellbeing impacts every aspect of our lives & plays a critical role in guiding our behaviour towards each other & the world around us. When you become a Castell client you get much more than just financial advice; you enter an ecosystem of support and opportunity that is fully integrated with & focused on your goals & helping you to achieve them.
We believe that great performance and sustainable investing are not mutually exclusive. But it’s not about making big statements. It’s about being better, taking incremental steps towards it, & helping those around us to do the same. Whether it's ESG investing, educating our children about finances, running financial wellness sessions for employees, or sharing our knowledge & resources; our ultimate goal is to play our part in helping to make the world a better place.
Castell Wealth Management 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 www.sjp.co.uk/products. Castell Wealth Management is a trading name of Castell Wealth Management Ltd. Castell Wealth Management Ltd is registered in England and Wales, Number 11639376. Registered Office: Accounts Unlocked, Repton Manor, Repton Avenue, Ashford, Kent, TN23 3GP.
© Castell Wealth Management Limited. 2023.