Successful investment, whether in the form of a pension, capital creation or income maintenance, is critical to future well-being. But it is a field which presents unique challenges because, of course, the financial future is unpredictable.

At Grove & Dean Wealth Management, as a Partner Practice of St. James's Place offer a distinct approach to investment management.

Unlike most other financial services companies, St. James's Place has no investment managers of its own. Instead they have selected a number of respected external investment houses to look after its funds.

The cornerstone of the St. James's Place approach is its Investment Committee, advised by respected independent external investment consultancies.

The Investment Committee has the responsibility of selecting, monitoring and changing external fund managers. To this end, the Committee meets quarterly to review performance and consider detailed reports from each external firm. If a change in the market place calls for the addition of another firm, the Committee will select one. If the Committee loses confidence in the ability of an existing firm of managers it will replace them, without any tax or charges to the client.

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.