Life-changing pay rise
Big jump in income? Don’t let lifestyle creep consume it all
That pay rise you’ve worked for is finally here. Whether it’s a promotion, bonus or move into a new role, this kind of shift can take you closer to the life you’re working to build. But more money doesn’t always mean more freedom, unless you know what to do with it.
A pay rise is the perfect time to reset your financial plan before lifestyle creeps in and eats it all.
What you need to think about
Pay rises feel exciting, but without a clear plan, they can disappear faster than you'd think. Higher earnings often mean higher tax, reduced allowances, and bigger expectations (from yourself and your family).
It’s also a rare chance to take control: clear debts, build long-term wealth, or finally start putting money towards something that matters. The key is making the most of the opportunity by setting sensible priorities and then enjoying the fruits of your labour.
Want to plan for your brighter future?
How we help
Show where your extra income actually goes
So it doesn’t vanish in everyday spending.
Help reduce fiscal drag
Tax brackets haven’t moved in years, so if you’ve moved up we can help you offset some of the tax burden with allowances and reliefs.
Review your pension and allowances
Make sure you’re not missing out or hitting new limits.
Create a plan that reflects your new position
So your money grows with your career.
Balance short-term fun with long-term freedom
Because you can do both, with the right approach.
Keep you focused on what matters most
So success doesn’t just feel good, it does good.
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 levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.
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
