Retirement Planning Advisers
Securing Your Retirement Savings with Heritage & Co.
To book a no-obligation consultation please use the form below or call us on 01761 233252.
We're ready to support you.
At Heritage & Co, we take pride in delivering exceptional financial advice through a team of experienced, dedicated, and highly qualified professionals.
Founded by John Steele, a Chartered Financial Planner and Fellow with over 30 years of experience, Heritage & Co became a Partner Practice of St. James's Place in 2011 — expanding the range and depth of services available to our clients.
- Over 255 VouchedFor five star reviews from clients.
- We’re local, based in Holcombe, Radstock.
- Over 30 years of combined experience.
Start planning your future
Planning for your future has never been more important — and your pension is one of the smartest, most tax-efficient ways to save for the retirement you want.
With a Pensions Annual Allowance of up to £60,000 per tax year, dependent on earnings, you can benefit from contributions made by you, your employer, and even the government through tax relief. If you earn over £260,000, your allowance may be reduced (known as tapering), but there are still plenty of ways to make the most of your pension savings*.
*Tax on your private pension contributions - https://www.gov.uk/tax-on-your-private-pension/annual-allowance
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 is generally dependent on individual circumstances.
Boost your contributions
You can boost your contributions through carry forward, using any unused pension allowance from the previous three tax years on top of the current year’s allowance, which must be used first. This may reduce the amount of income taxed at 40% or 45%, as pension contributions can effectively extend the basic rate band, subject to individual circumstances and legislation at that point in time.
Whether you are just starting out or looking to maximise your existing pension, we'll help you make your money work harder for your future.
About Heritage & Co.
Heritage & Co is a family-run, multi-generational financial Practice, proudly serving clients for over 30 years from our idyllic Somerset offices overlooking rolling fields and countryside.
Our experienced and professional ten-strong team, led by Directors John and Nathan, combines decades of expertise with a genuine passion for helping clients achieve their financial goals.
St. James's Place
St. James's Place (SJP) is one of the UK’s largest wealth management companies, founded in 1991 and serving clients since 1992. As a Partner Practice of St. James's Place — a leading network of accredited and Chartered advisers — we run our Practice using the products and services created and managed by St. James's Place.
We have access to expert tax specialists, product experts, and dedicated support teams, ensuring our clients benefit from some of the best minds in the industry.
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