Whilst recognising that we are all individuals and will have personal goals and aspirations, I have found that my clients’ needs fall broadly into three key areas:

• Building sufficient assets in a tax efficient manner so that their long term financial objectives can be achieved.
• Protecting the assets they have worked hard to accumulate and devising an investment strategy that minimises risk and takes advantage of any tax concessions that may be available.
• Devising a strategy that allows clients to pass as much of their wealth as possible to chosen individuals at the appropriate time whilst retaining control over these assets whenever this is required.

An initial consultation is provided without obligation. This allows both parties to establish if the Practice is able to assist with your planning needs and if so, I will confirm in writing, providing you with an overview of our discussions and a high level view of my understanding of your requirements. This allows you time to consider the proposal before instructing me to work on your behalf in providing a bespoke solution to your needs.

The value of an investment with St. James\'s Place will be directly linked to the performance of the funds selected, and the value can therefore go down as well as up. You may get back less than the amount invested. The levels and bases of taxation and reliefs from taxation can change at any time and are dependant upon individual circumstances.