At EJM Wealth Consultancy, the focus of our business is a simple one; you. Your success is at the heart of everything I do. I understand that your financial future and affairs can be complicated, I aim to simplify the process to ensure that you benefit from the value of on-going professional guidance, and feel confident that you are on the right path to achieving your life goals. Financial planning can be complex and you may feel unsure how to move forward; if so, you’ve come to the right place. I like to think of our long-term relationships with clients like that of a driver and a sat-nav, to keep things nice and simple. You’re in the driving seat, you know where you want to go but you’re unsure how to get there – I am there with you, guiding you through every twist and turn. Are you ready for the journey?

Whatever your objective may be, I am here to guide you every step of the way with friendly and clear advice.

I can support clients in all areas of financial planning:

◆ Personal protection planning: do you have the right policies in place to protect yourself or your family if something were to happen? Life goals shouldn’t be derailed due to things out of our control, let’s build solid foundations for success. 

◆ Pension planning: most people want to have the same, if not a better standard of living when retired than their years spent working, let’s not leave that to chance.

◆ Retirement planning: are you closer to retirement and would like guidance on what options you have, how best to manage your pension and access your funds?

◆ Investment planning: do you have money that could be growing or delivering better returns, do you have a future goal in mind, or do you have surplus income that could be put to better use?

◆ Inheritance and estate planning: are you worried about the size of your estate and how it could impact your loved ones?

◆ Business planning: are you a business owner and want to ensure you are operating tax efficiently, interested in maximising profits, or looking at how better to attract and retain staff?

◆ Business protection planning: your business affairs are important and unexpected death or illness can leave your business interests in jeopardy. Let’s plan to ensure if something were to happen, all your hard work isn’t undone.

◆ Tax planning: want to make the most of the allowances available and maximise the benefits available to you? Ensuring tax efficiency is at the heart of everything I do.

◆ Cashflow modelling: unsure how the future may look, I can provide a clear view.

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.