At Frontier Wealth, we know that planning for the future feels a bit different when your ‘office’ might be a film set or a touring van. We work with a wide range of professionals across the creative sector, from those in the spotlight to the technical experts behind the scenes. We understand the reality of life in the arts: the travel, the up-and-down income cycles, and the unique pressure of being your own brand.

These variables shouldn't be barriers to financial security. We help you turn your creative success into a robust financial foundation, ensuring your money works as hard as you do, even between contracts.

1. Protecting Your Most Valuable Asset: You

• In a creative or technical role, your income is often tied directly to your physical presence and health. Whether you’re a performer or a technician in a more manual role, an injury or illness is more than just a nuisance, it can be a total halt on your earnings. We arrange bespoke specialist insurance that accounts for the specific risks of your job, ensuring that if you can't work for a longer period of time, the bills still get paid.

2. Managing the Paperwork: Pensions & Retirement

• Many of our clients come to us with a "pension graveyard" - bits and pieces from temporary or part-time jobs they’ve had over the years. We review these and let you know your options. More importantly, we help you set up contributions that work with your cash flow, so you can aim for a retirement on your own terms, rather than being forced to keep working into your 70s.

3. Building a Nest Egg

• When you’re a freelancer, a savings account is your best friend during the quiet months, but it rarely beats inflation in the long run. We help you build an investment strategy that provides the liquidity you need for emergencies while growing your wealth for the future. We look at tax-efficient investments that help you keep more of what you earn during those high-income years.

4. Safeguarding Your Family & Legacy

• Life insurance is about making sure your family is looked after if the worst happens. We help you structure the right level of protection to cover your mortgage and provide a lifestyle buffer for your loved ones. We ensure your insurance is tailored to your specific lifestyle and career risks, providing peace of mind while you’re on the road or on set.

5. Visualizing Success with Cash Flow Modelling

• Success in the arts can be unpredictable. We use Cash Flow Modelling to map out different scenarios, whether that’s a period of lower earnings, a career pivot, or an early retirement. This gives you a year-by-year visual map of your finances, allowing you to make big life decisions with confidence rather than guesswork.

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 invested.

Investing does not provide the security of capital associated with a deposit account with a bank or building society. However, please bear in mind that over the long-term inflation will erode the purchasing power of your capital.