Intergenerational Wealth Planning

Significant wealth has traditionally passed from one generation to another after death. However, as UK demographics change, wealth is increasingly being transferred between generations during our lifetimes. A growing number of families are now seeking advice on how best to manage their wealth collaboratively across the generations.

Whether you would like to help your children onto the property ladder, contribute to a grandchild’s education or wedding, or help your parents with later-life planning, careful consideration can ensure your wealth works harder for all your family without putting your own security and retirement comfort at risk. St. James’s Place provides a range of family-oriented financial products and services, enabling families to work collaboratively to support each other across the generations. Working together, we can help you with a range of intergenerational planning needs:

  • Protecting your family
  • Investing for children
  • Planning for parents’ later life planning
  • Helping loved ones onto the property ladder
  • Helping to foster the right attitudes to wealth in the next generation
  • Working with carefully selected legal teams to establish Wills and lasting powers of attorney*
  • Estate planning and gifting
  • Creating a trust fund*
  • Passing on your pension fund tax efficiently
  • Planning the succession of your business

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.


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.


*Will writing and Powers of Attorney involve the referral to a service that is separate and distinct to those offered by St. James’s Place along with Trusts are not regulated by the Financial Conduct Authority.

For advice and assistance in all aspects of financial planning, reach out to us now.