Individual Savings Accounts (ISAs) with Ian Howard

Call 01444251884

Individual Savings Accounts (ISAs)

An ISA (Individual Savings Account) can be used to save for anything, from short or long term saving to retirement planning, providing you with tax efficiency and flexibility.

Since the Chancellor announced the ground-breaking changes to ISAs in the March 2014 Budget, the ability to save more through greater flexibility and bigger tax breaks provides an increasingly attractive way to save for short or long-term up to the annual ISA allowance of £20,000 for 2018/19.

We create a personalised and well-diversified portfolio that is completely bespoke to you, and matches the risks that you as an investor are prepared to take. With a regular review, we will ensure that your portfolio is adjusted to reflect the ever-changing needs and markets.

JISAs (Junior Individual Savings Accounts) are a simple, flexible and tax-efficient way of saving for the younger generation.

  • The account must be opened by the child’s parent or guardian, although anyone can contribute

  • Up to £4,260 can be invested per child for the 2018/19 tax year

  • There is no personal taxation on any capital growth or income received

  • Investments are flexible, you can invest a lump sum or make regular contributions

  • Only the child can withdraw the money, and only after he or she is 18

  • The JISA account automatically becomes an ISA from the age of 18 if the money is not taken, with the child as the plan owner

  • The law has recently changed to allow parents to transfer Child Trust Fund accounts into Junior ISAs

To have an initial conversation with Ian,
please call 01444251884

Ian Howard – Senior Adviser

Ian Howard has been with Wellesley since 2006, and has been in the industry since 1990. People often ask Ian what he does: he says, simply, “I help people”.

With such a myriad of choices out there, Ian always asks clients what it is they do or don’t want to do, and takes it from there. Once he’s established a relationship with a client, he likes to keep in touch regularly to stay up to date with their interests – once they’re happy, he’s happy!

Out of Hours: Ian is married to Julie, and they live in East Preston with their two young sons, Louis and Harry, as well as Sid the dog. He would like to find some free time, however, being a Nottingham Forest fan, it’s probably best not to spend too much free time following sport!

Watch this short video to find out more about Ian Howard or get in touch by calling 01444251884

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Wellesley Wealth Advisory & St. James’s Place Wealth Management

For Investment Management, as a Principal Partner Practice of St. James’s Place Wealth Management, we have access to a variety of carefully-selected fund managers of outstanding ability to manage the St. James’s Place funds.

Our Approach

Our approach with St James’s Place offers our clients a real opportunity to diversify their investments by spreading their money across funds managed by who St. James’s Place believe to be first-class managers with different styles. It also enables St. James’s Place to change any managers at short notice if they have lost confidence in them, without any inconvenience to our clients.

We believe the process we follow provides our clients with the best chance to achieve superior returns over the medium to long term from expert investment management.

A knowledgeable advice service tailored to you and your specific needs.

At Wellesley, we support a wide variety of investment values.

Your financial future and available options can be confusing, view our frequently asked questions.

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