Established Families
The kids are growing up. Now it’s your turn to look ahead.
You’ve built a good life, raised a family, worked hard, maybe even paid off the mortgage. But now you’re at a turning point.
Whether you’re helping your kids take their next steps, thinking about retirement, or figuring out how to pass on your wealth without giving too much of it to HMRC, we’re here to help you move forward with clarity and confidence.
Smart, straight-talking financial advice for your next chapter.
Why do established families need financial advice?
Your kids might be heading to university, renting their first place, or trying to get on the property ladder, and guess who they’re coming to? The Bank of Mum and Dad.
At the same time, you may be thinking about slowing down at work, enjoying your time more, or setting things up for the next generation.
The challenge? Doing all of that, getting to enjoy some of the freedom that comes when your children fly the nest, as well as making sure your own future is secure.
That’s where we come in. Our cashflow model allows you to plan years in advance for these expensive milestones, and shows you the impact it will have on your retirement goal, and more importantly, whether you can afford to.
Helping you plan for what’s next
Some of the typical things we help established families with:
Helping adult children
Support with home deposits, weddings, or uni fees, without risking your own financial security.
Gifting and inheritance planning
Pass on more to your loved ones, and less to the HMRC.
Pensions and retirement
Get clarity on when you can slow down or stop work, and how much you’ll need to live the life you want.
Investment planning
Grow your wealth with a strategy that fits your lifestyle and future plans.
Cashflow forecasting
Understand what you can afford to give, spend or save. Now, and down the line.
Estate planning
Ensure your wishes are clear and your assets go to the right people, at the right time.
Protection reviews
Make sure you and your family are still covered if life throws you a curveball.
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.
Advice that puts your family first
You’ve done a lot for your family. Now it’s about making smart decisions that keep them supported, without forgetting yourself in the process.
Whether you’re helping with deposits, planning your own retirement from work, or thinking about a legacy for the generations to come, we’ll help you strike the right balance.
Why Luma?
A joined-up plan
A joined-up financial plan that supports your whole family.
Holistic advice
Advice on gifting, inheritance, retirement, and protection.
Clear strategies
Clear strategies to reduce tax and help maximise impact.
Flexible planning
Flexible planning that evolves with your goals.
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
