Having a baby
Welcoming a child is life-changing. Emotionally, practically, and financially. From maternity leave to childcare costs, it’s a whole new world to plan for. The sooner you get clarity on your likely costs and income changes, the easier it is to focus on what matters most, your growing family.
In the UK, the cost of raising a child to age 18 is over £260,000
Source: Child Poverty Action Group, Cost of a Child in 2024, UK-wide, published 4 Dec 2024.
What you need to think about
Time off work can hit your income just as your expenses are about to rise. Childcare alone is one of the biggest costs most families face, and it doesn’t stop there. From baby gear and home adjustments to future school fees or savings, it all adds up.
Want to plan for your brighter future?
How we help
Plan around reduced income
Create a budget that works through parental leave
Review your protection
Make sure your family is covered if something unexpected happens
Help you plan for childcare costs
And learn where savings can be made
Set up savings for your child
From Junior ISAs to long-term investments
Keep your own goals on track
Parenthood doesn’t mean pressing pause on your future
Be there as life evolves
Your financial plan will grow with your family, every step of the way.
The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
The favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.
Plans for wherever you are at in life
Young Professionals
Growing Families
Business Owners
High-Net-Worth Individuals
Nearing Retirement
Retired People
Professional Athletes
Sole Trader
Established Families
Young Professionals
When it comes to growing wealth, time is on your side. From your first investment to your first home, we’ll help you make the most of your income.
Growing Families
Building financial security for the people that matter most. From saving for school fees to protecting your income and planning for the future, we help families stay one step ahead.
Business Owners
Your business is your focus – we make sure your finances keep up. From tax-smart income to long-term planning, we help you protect what you’ve built. No fluff, just advice that works as hard as you do.
High-Net-Worth Individuals
You’re earning big – now it’s time to make it count! We help high earners cut tax and grow wealth. From pensions to early retirement, we keep your plan and goals in focus.
Nearing Retirement
The light is at the end of the tunnel, and after years of working hard and saving for retirement, you’re on the final stretch.
Retired People
Whether you’re on the final stretch or already retired, smart planning now can mean more freedom later. Let’s help you build a plan so your money can help you with the life you want, for as long as you need it to.
Professional Athletes
We help elite professional athletes aiming for their peak earnings to provide security for a lifetime. From protecting your income to planning life after sport, we make sure the money you earn now keeps working for your future.
Sole Trader
Whether it’s making sure you’ve set enough aside for tax, planning for time off or thinking further ahead towards retirement – you need an adviser to handle the stuff you don’t have time for.
Established Families
Whether you’re helping your kids take their next steps, thinking about retirement, or figuring out how to pass on your wealth without giving a large amount to HMRC, we’re here to help you move forward with clarity and confidence.
Meet our people
Meet our people
Our clients are real people, and so are we. Scroll through our team to meet the people who can build your financial plan. Not sure who might fit your requirements? Get in touch
