Making that bucket list purchase
Big dream? One moment in a much bigger plan.
Whether it’s a once-in-a-lifetime trip, your dream car, a holiday home, or even a sailing boat. Sometimes in life, wants are just as important as needs. You’ve worked hard for your money. But before you splurge, it’s worth asking one simple question: Can I afford this without throwing everything else off course?
Our cashflow modelling software shows you how one big purchase can effect the rest of your plan now and in the future, so you can splurge with confidence.
What you need to think about
Bucket list purchases are exciting, and honestly what life is all about. But a big spend today could affect your retirement, your cashflow, or your ability to support loved ones later on.
They can also come with hidden costs. Maintenance, specialist insurance, tax, travel, renovations… these things add up.
That’s where financial planning comes in, giving you a clear picture of the impact on your finances so you can say yes without the guilt.
Want to plan for your brighter future?
How we help
Use cashflow modelling to test the impact
Add your bucket list goal as a real scenario in your plan.
Show how it affects your future
Visualise how your finances shape up 5, 10, or 20 years from now.
Account for ongoing costs
Make sure maintenance, insurance and extras aren’t overlooked.
Spot smarter ways to fund it
Explore investment withdrawals, tax-efficient options, structured savings or borrowing.
Check what’s truly affordable
Without compromising your other goals.
Keep things on track afterwards
So your plan flexes around life, not the other way around.
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.
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
