Individual Savings Accounts (ISAs) with Richard Rochford

Call 01444251888

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 Richard,
please call 01444251888

Richard Rochford – Senior Adviser

Richard Rochford started in the industry in 1995, and was invited to join Wellesley in 2008, with specialties in investment and inheritance tax planning.

Richard’s role also includes a lot of retirement planning – he plans and arranges clients’ affairs to help them maximise on their potential returns, through both investment and tax-efficient planning, enabling them to meet both their short-term and long-term goals.

Qualifications: Richard is Diploma-qualified and is working towards becoming Chartered.

Out of Hours: Richard is a Trustee of the Wellesley Charitable Foundation and takes an active interest in many aspects of fundraising, including participation in a number of cycle challenges and the 2013 Brighton Marathon. In his spare time, Richard enjoys scuba diving, is a keen cyclist and has recently started playing golf.

Watch this short video to find out more about Richard Rochford or get in touch by calling 01444251888

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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.

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Wellesley Charitable Foundation

The Wellesley Charitable Foundation was set up in 2012. The principal aim of the Foundation is to raise money for local charities in Sussex and the surrounding counties which help ill or disadvantaged children.