There are often misconceptions that financial advice is solely about where & how to invest your money. Of course investment management is a part of it, but this is just one small piece of the value a great financial adviser can bring. The majority of the value lies in:

Tax planning

Tax is most likely your biggest expense. We help planning around tax rates of 45%, 40%, 24%, etc. These are big numbers and every year tax rules & legislation can change in the budget. Getting it right is crucial.

Security & regulation

If you make your own financial decisions you are not protected if they go wrong. Financial advice is one of the most regulated industries in the UK. With regulated advice you are protected and get redress if advice is deemed not to be suitable.

Strategy

Consistently making the right high-level decisions with your money and avoiding the big mistakes. For example, do I pay off my mortgage or invest my money?

Lifestyle planning 

Getting to know you and your plans for the future. What makes you happy, what are your concerns & what are your long term lifestyle goals? Then tailoring a plan around that to make your dream lifestyle a reality, or keep you on track for your goals.

Cashflow modelling 

Creating a visual financial plan using powerful software, so that you can see your future in graph form. We can stress test different scenarios and compare options side by side to make sure we are making all the right decisions. 

Managing risk 

The appropriate level of risk is dynamic and constantly changing in line with your circumstances and goals. We make sure you are taking the right level of risk at the right time.

Behavioural advice 

Investing is counterintuitive. A lot of the time what our human emotions tell us to do is the exact opposite of what you should do. We understand investor psychology and behavioural biases so we can help you manage these and avoid the common costly mistakes.

Accountability 

Holding clients to account and making sure that inertia doesn’t take hold. Just like a personal trainer will help you reach your fitness goals, a great financial adviser will help you reach your financial goals.

Time & Peace of mind 

You could try to navigate everything yourself, but are you going to do that as well as someone who lives and breathes investing & financial planning? Can you stay on top of all the changes in markets, tax and legislation? Or is it better to have the peace of mind that a trusted adviser is doing that for you, so that you can spend your valuable time on your family, career & hobbies.

Convenience 

We handle all the heavy lifting, paperwork & provider chasing. You have everything in one place with one adviser to tie it all together for you. No admin nightmares, no poor service.

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 depends on individual circumstances.