High earners
It’s not just what you earn, it’s what you keep that counts.
You’ve worked hard to get where you are.
But between higher taxation, bonus season, and a pension allowance that shrinks the more you earn, it can feel like the system isn’t built for you.
We help high earners build smarter plans to grow wealth, reduce tax, and create financial freedom.
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.
Why do high earners need financial advice?
Earning more doesn’t always translate into feeling better off. When you hit £100k you start losing your personal allowance. Go beyond £200k and your pension limit starts to shrink.
At the same time, you might be sitting on surplus cash, unsure where to invest, and dreaming of escaping the rat race, but no idea what that path looks like.
We help you bring it all together. From tax and pensions to investments and early retirement planning, so you can start making confident, intentional decisions towards the life you want to live.
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. Investing does not provide the security of capital which is characteristic of a cash deposit account with a bank or building society.
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.
Helping you plan for what’s next
Some of the typical things we help high earners with:
Reducing your taxable income
Strategies like pension contributions and salary sacrifice to ease the 60% tax trap.
Navigating the tapered pension allowance
Make the most of available allowances now and in future.
Cashflow forecasting
See if early retirement, a career break, or property investment is realistic.
Investing beyond pensions
Build flexible, tax-efficient pots that give you options for retiring early.
Making use of your full allowances
ISAs, gifting, and advanced planning strategies can reduce your tax bill.
Planning to leave the rat race
Create a roadmap towards financial freedom through investments, property, and passive income.
School or university fee planning
Start early with tax-efficient vehicles for securing your children’s future.
Protecting what you’ve built
Income protection, critical illness and life cover to safeguard your lifestyle.
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.
Please note that it is not possible to invest directly in property through SJP.
Advice that puts you in control
High income often comes with high pressure and very little time. We get straight to the point, bringing clarity and calm to your finances with a plan that adapts as your life and goals evolve.
Whether you want to retire at 50, take a year out, or build a future where work is optional, we can help you make it happen, with a lifelong strategy backed by real numbers.
Why work with Luma?
Tailored advice
Advice built around your career, income and lifestyle
Clear strategies
Clear strategies to reduce tax and grow wealth
Personalised support
Personalised support for long term retirement and investment planning
Flexible plan
A flexible plan to help you leave the rat race (if that’s the goal)
Financial freedom doesn’t happen by accident.
Start planning for the life you really want — not just the one you’ve got.
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
