IRP Wealth Planning LLP joined St. James's Place in 2012. Prior to this, the Practice was operating as an IFA for 16 years. Osian, the Principal, is a Senior Partner of St. James's Place, and was joined by his eldest son Ifan in 2021, who is a qualified financial adviser.

IRP Wealth Planning LLP was awarded the Partner Practice of the Year, Cardiff Region, 2021. This is awarded based on client service, bringing on the next generation and work with the St. James's Place Charitable Foundation.

The practice offers advice on ISA, Investment and Pension planning. They also life cover, income protection and critical illness cover, as well as future planning based of a specialist cashflow modelling system, Voyant.

For families, Inheritance Tax Planning is now becoming a more common problem. The increase in the value of properties and freezing of the nil rate bands is generating more tax for the Government, reducing the estate to pass on to family. This is a major area of advice that can help reduce potential tax liabilities.

For business owners/Directors/Farmers, we help plan for you to have an exit strategy* to get the capital value out of your business when you choose. We also put steps in place to help your family get the capital value out of the business if they need to.

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 you invested.

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

*Exit Strategies may include the referral to a service that is separate and distinct to those offered by St. James's Place.