Our aim is to treat clients as they would wish to be treated. In an increasingly faceless and automated world, we stand apart by providing a personal approach delivered with care and courtesy. At no time is this more important than when planning for retirement. Today, we are typically a cash poor but property rich society. For many people, your home is likely to be your biggest financial asset; it’s often worth much more than any other investments or savings. However, getting your hands on the cash to pay for renovations, the fun things in life or simply to increase your income is a major step. It requires selling your home, downsizing or releasing your cash in some other way. There are lots of things to consider. Depending on your financial situation, we can help direct you towards the best option. This is a lifetime mortgage or home reversion plan. To understand the features and risks associated with such products, please ask for a personalised illustration. The Partner Practice only represents St James's 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. The 'St James's Place Partnership' and the titles 'Partner' and 'Partner Practice' are marketing terms used to describe St James's Place representatives. rn