At our core, we are driven by a passion for the transformative impact our work can have on people's lives. We are not just financial advisers; we are dedicated to inspiring our clients to imagine their lives, comprehend the financial requirements of those visions, amass the necessary wealth to bring those plans to fruition, and safeguard that wealth against life's uncertainties, such as bereavement, illness, and taxation.

Our commitment extends beyond individual lifetimes. We care deeply that our clients can pass on their wealth seamlessly, ensuring that future generations are shielded from potential challenges such as divorce or second-generation inheritance taxation. Our ethos goes beyond financial assets; we encourage our clients to consider their legacy as a combination of financial wealth, life experiences, knowledge, and values – elements meant to endure for generations to come.

We firmly believe that genuine holistic wealth management involves addressing all these areas. When engaging in wealth management, we're not just managing clients; we're stewarding their wealth, ensuring it endures beyond their lifetime.

The heart of our philosophy lies in a multi-generational perspective. Recognising that a significant portion of a client's financial wealth existed before them and will likely outlast them, we strive to help clients understand their place in the financial 'circle of life.'

Admittedly, not every client desires this comprehensive approach. Some seek straightforward product analysis, and we respect that. For those desiring true wealth management, we offer a rich, fulfilling service– a colourful and multi-layered four-stage process:

Our Four-Stage Process

Stage 1: Life Planning In this crucial initial stage, we delve into our clients' long-term aspirations, shaping what we call the "Life Planning" stage. It's about more than finances; it's a collaborative exploration of their aims, ambitions, and familial desires. This sets the foundation for all subsequent financial planning.

Stage 2: Financial Planning Moving to the second stage, "Financial Planning," we translate the life plan into numbers. We help clients project the financial requirements to fulfil their aspirations, answering vital questions about ‘how much’ and ‘how long’. This is the stage where we help clients review existing financial products and select the most appropriate products and risk level for their individual circumstances and future aspirations. While many advisers focus solely on this stage, we recognise it as part of a broader narrative.

Stage 3: Estate Planning The third element, "Estate Planning," ensures that the assets, once efficiently invested and protected, smoothly transition to beneficiaries in the event of bereavement. We meticulously prepare for this, collaborating with solicitors if needed, to prevent any loss due to poor planning or unforeseen circumstances.

Stage 4: Legacy Planning Completing the circle, "Legacy Planning" invites the next generation to the table. For those interested, this stage involves not just passing on financial mechanics but also the stories that give context to their potential future inheritances.

In essence, our approach to wealth management is more than transactions; it's about creating lasting legacies and nurturing enduring relationships.

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.