Apollo Private Wealth

Access your operational handbook: Stop paying more tax than necessary on your pensions and in retirement. * Map your available funds to the right savings and investment wrappers; * Use ISAs, Pensions, general investment accounts, Onshore/Offshore Bonds and Trusts together - not in isolation; * Capitalise on today’s tax allowances and reliefs to invest more tax-efficiently (like the pension annual allowance of up to £60,000, and the removal of the Lifetime Allowance charge); * Sequence withdrawals to keep taxable income in low bands during retirement (while using allowances efficiently); * Plan for the 2027 pension-IHT reforms to mitigate the possibility of double taxation; * Deploy advanced tax planning moves in a compliant and documented manner. 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. The levels and bases of taxation, and reliefs from taxation can change at any time. The value of any tax relief is generally dependent on individual circumstances. Trusts are not regulated by the Financial Conduct Authority. Apollo Private Wealth Ltd is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). SJP Approved 28/08/2025

From April 2027, most pensions will be brought into your estate for Inheritance Tax purposes. That could mean up to a 40% hit to your legacy. Our latest guide explains how to safeguard your wealth through life cover in trust, and other effective strategies. The levels and bases of taxation, and reliefs from taxation can change at any time. The value of any tax relief is generally dependent on individual circumstances. Trusts are not regulated by the Financial Conduct Authority. Apollo Private Wealth Ltd is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). SJP Approved 11/02/2026

Access your complete guide to preserving family wealth, for 2025/26. How high-earning families and business owners can build and preserve wealth across generations with practical steps you can take this tax year. * Do I need to leave the UK to protect my wealth? * Will the total value of my estate exceed specific thresholds? * Am I using all my gifting allowances correctly? * Do | have a new plan for my pensions, once they become liable for inheritance tax from 2027? * Is whole of life insurance written in trust, right for my family? * Am I keeping accurate records? 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. The levels and bases of taxation, and reliefs from taxation can change at any time. The value of any tax relief is generally dependent on individual circumstances. Trusts are not regulated by the Financial Conduct Authority. Apollo Private Wealth Ltd is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). SJP Approved 28/08/2025

From April 2027, most pensions will be brought into your estate for Inheritance Tax purposes. That could mean up to a 40% hit to your legacy. Our latest guide explains how to safeguard your wealth through life cover in trust, and other effective strategies. The levels and bases of taxation, and reliefs from taxation can change at any time. The value of any tax relief is generally dependent on individual circumstances. Trusts are not regulated by the Financial Conduct Authority. Apollo Private Wealth Ltd is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). SJP Approved 28/08/2025

From April 2027, unused pensions fall into your estate for inheritance tax. Around five months to plan. Find out what the Budget means for your income and wealth, this Friday from 12:30pm.

Some things were spared in this week's Budget, some squeezed, and some are still coming. Which column are you in? Find out what it means for your income and wealth, this Friday from 12:30pm.