An Associate Partner Practice of St. James's Place Wealth Management

Bina Dayaram Wealth Management

Bina Dayaram

FPFS, LLB (Hons)
I understand that everyone’s aims are different. Some people want a worry-free retirement. Some want to leave a legacy to loved ones, or to a cherished cause. Others want to ensure that they get the rewards from a successful business. I have helped clients achieve all of these goals, and can help you with yours.


I am a financial adviser who works mainly in the Hertfordshire area, predominantly in St Albans, Harpenden and Watford, and along with my team I help clients to achieve their financial goals, whether they are at the start of their investment career, or are seasoned investors. Much of my work comes through referrals from existing clients, solicitors and accountants.

Over my 20 years as a financial adviser I have worked on a wide variety of projects, from helping small business owners to set up company schemes to managing individuals’ inheritance tax. I also specialise in setting up trusts using investment vehicles.

I believe a good financial adviser should be a sounding board, a safe pair of hands, a trusted adviser, and someone who instinctively grasps a client’s hopes and dreams. When done with care, financial planning is a way to give you peace of mind, and to nurture you and your family so you can prosper in every sense.

I am also sensitive to the complexities of modern families, and am used to working alongside my clients as their situations, aims and priorities change. Indeed, financial planning is a lifetime journey for everyone, and I always ensure I review my clients’ financial picture on a regular basis to ensure that I am providing the best service for them.

Managing your wealth can be complex and time consuming. I can use my expertise to simplify your life, and to help improve your financial health.

I graduated with a law degree in 1997 and joined a graduate training programme to become a financial adviser, first for high street banks and since 2016 as a financial adviser. Over my career I have helped both private and business clients plan for their short, medium, and long-term financial security.

I always give considered, high-quality advice and won many awards at the banks where I worked, based on the quality of advice I gave and the number of clients I helped to achieve their financial aspirations.

I accepted the invitation to join St. James's Place Wealth Management in 2016 because I feel that the value, integrity and focus on client service which underpin St. James's Place chimes with the way I do business. I feel that the distinctive St. James's Place approach to investment management provides me with the ideal opportunity to provide my clients with an enhanced level of service.

*Trusts are not regulated by the Financial Conduct Authority.
Prestigious industry status recognises the value I place on my development and gives clients the confidence that they are supported by one of the UK’s leading wealth professionals.
Bina Dayaram

St James Place, 5 Oaks Court, Warwick Road, Hertfordshire, Borehamwood, WD6 1GS

9am to 5pm
9am to 5pm
9am to 5pm
9am to 5pm
9am to 5pm

Advice & Services

We offer an excellent wealth management service which will help you achieve your goals

Investment planning
Whatever your financial goals, create an investment strategy that helps meet your needs.
Protecting you and your finances
Insurance and protection products to help safeguard all that you hold dear.
Retirement planning
Careful pension planning is vital for a long and comfortable retirement. Learn more about your options.
Banking and mortgages
Make your finances work harder with mortgages and access to specialist banking services.
Corporate services
Helping entrepreneurs and corporate directors manage their personal, business and employees’ financial security.
Other specialist services
A network of professional specialists is on hand to provide all the help and support you’ll need.
Exploring Intergenerational Wealth Management
Intergenerational wealth management helps families use their collective wealth to support each other across their lifetimes.
Here to support you and help to provide peace of mind in this uncertain time.
Our investment management approach
A number of carefully selected external managers of outstanding ability manage our client funds.

Insights and E-Briefing Service

Visit Insights to read articles and news to help you make informed decisions about your wealth or sign up to the E-Briefing Service; a personalised email communication service that keeps you informed on the issues that might impact your wealth.
I know nothing about pensions. A simple conversation with Bina identified a need for me to protect my current financial situation and plan ahead. Bina identified what needed to be done following her extensive research. At this point Bina knew more about my situation than I did. Everything was addressed and simplified - jargon free! The advice given was straight forward and honest. I have absolutely no hesitation in recommending Bina to anyone I know needing her services. A massive thank you Bina!
Arvind, Director
In the past, it's safe to say we have had relatively generic advice and support from our financial adviser. Normally setting things up and then leaving them, never to hear again apart from a yearly email. Bina has been a breath of fresh air when it comes to our finances, both personal and in business. Personally, Bina and her team have reviewed all aspects of our pensions and investments, provided excellent advice for myself and my wife. And for the business helped us set up the Company Pension scheme for contributions and getting the business complaint. I have been more than happy to wax lyrical about the services and advice provided, and have introduced Bina to family members, friends and colleagues along the way, happy in the knowledge that they will be looked after. Binas approach is straightforward and she takes the time to explain all the products and investments, the affects and impacts of the markets, and would have no hesitation in recommending her and her team.
N Kemp | Director
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.
I cannot speak highly enough of Bina Dayaram of St. James's Place Wealth Management, a complete professional, discreet and highly knowledgeable service from start to finish. Bina helped guide me through setting mine and my husband's pensions up, something we had been meaning to do for a long time but had not got round to. She was able to complete the whole process in a very efficient and timely manner and her knowledge and experience immediately put us at ease where other financial advisers had not been able to. I would highly recommend Bina to any of my connections looking for financial advice as I have done already, and I look forward to a prosperous and long lasting relationship with her.
C Story
Not only does Bina have THE most personable and friendly demeanour but she is unquestionably the most professional, knowledgeable and trustworthy financial adviser I know. She has also helped my husband to arrange an investment, which was the first he has ever done. He had rather typically left things to the last minute. Bina met my husband early in the morning before he had to go to work and systematically went through everything with him to make sure he understood the reality of what he was about to do and the risks attached to the specific type of investment he was looking to make. She then effortlessly and efficiently organised the paperwork, turning the administration aspect round in a very quick timescale to ensure everything was submitted before the investment closed. Nothing was stressful, everything was clear and as a result my husband was not only happy but confident in the decision he had made. So much so that he has subsequently done a further investment with Bina this year. For my husband to trust her with his money, she is definitely good and has one over me! I have no hesitation in recommending her, so much so that I have referred her to one of my clients who needed help finding and consolidating a number of old pension plans. I am absolutely certain he is in the best hands. If anyone is looking for quality financial advice and customer care then Bina is definitely the lady for the job!
Michelle W
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.

Why Choose St. James's place?

We're not about selling products. We pride ourselves on building trusted, long-term relationships with clients - only by doing so can we truly understand our clients' immediate needs and future aspirations, and offer the quality, bespoke advice that they deserve.

Our investment management approach
A number of carefully selected external managers of outstanding ability manage our client funds.
St. James's Place Charitable Foundation
Over £93 million has been raised for our charitable arm, changing the lives of children and young people.
Award winning service
St. James's Place are pleased to have won numerous awards over the years, voted for by industry experts and the public.

St. James's Place Guarantee

St. James's Place guarantees the suitability of the advice given by members of the St. James's Place Partnership when recommending any of the wealth management products and services available from companies in the group, more details of which are set out on the Group's website.

The Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website The ‘St. James's Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James's Place representatives.

Bina Dayaram
Bina Dayaram Wealth Management
020 8207 4000