H-J Wealth Planning run complimentary seminars to update our clients, contacts and business associates on key areas of financial planning and protection. These include seminars on changes in legislation such as Pensions, ISA's and Tax planning.

We also run pre-retirement seminars to prepare people for retirement in relation to financial planning and we sometimes provide presentations on the Investment Markets or the St. James's Place approach, with a member of the St. James's Place Asset Management team.

We provide seminars to businesses in-house. Here are some of the seminars we can provide:

• Pre-retirement Courses - preparing staff who are within a few years of retirement
• Pensions Awareness Courses - educating and communicating to staff about the importance of pensions and planning for their retirement.
• Pensions Auto- enrolment - educating staff or management in relation to the new pension legislation
• New Pension Scheme roll out - educating staff in the details of a new pension scheme

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 you invested.

The levels and bases of taxation and reliefs from taxation can change at any time and are generally dependent on individual circumstances.