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 you invested. The levels and bases of taxation, and reliefs from taxation, can change at any time and are dependent on individual circumstances. TAX YEAR PLANNING Each new tax year brings you new tax allowances and opportunities. By joining together our expertise and your goals we will work together to help you to make the most of them. For more information, please contact your St. James’s Place Partner. SJP4446aV22 (01/20) The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives. Members of the St. James’s Place Partnership in the UK represent St. James’s Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority. St. James’s Place Wealth Management plc Registered Office: St. James’s Place House, 1 Tetbury Road, Cirencester, Gloucestershire, GL7 1FP, United Kingdom. Registered in England Number 4113955.