Tim Smart

Prior to joining St. James's Place, I have gained over 30 years of experience in financial services working in equities, firstly at Phillips and Drew, then UBS and HSBC.

My services include advice on many aspects of financial planning and wealth management, helping individuals of widely differing financial resources or life stages. This includes access to the exclusive range of St. James's Place products, which offer many important benefits, the distinctive St. James's Place approach to investment management, risk managed portfolio construction, investment and estate planning, as well as income strategies and tax effective investment planning. I have found that whilst they share similar concerns, clients all need individual solutions tailored towards achieving their goals. Before I can begin to help you, your family or your business, I need to understand your circumstances and what it is you want to achieve.

Like most people you probably would like to have someone you can trust, who has access to a range of market leading products and services.

I became a client of St. James's Place over 10 years ago, and have worked closely with my Partner.

To ensure financial peace of mind for you and your family across the generations. I will provide a highly personalised service, with the aim of ‘earning the right’ to be considered as your trusted financial adviser for many years to come. I will guide you into making informed financial decisions that will help you to achieve your goals through personal, face-to-face financial advice.

I will provide you with access to regular communications. This ensures that you are kept fully informed of how your money is being managed and up to date with all the latest economic information, including any key changes that may affect your financial future. I will agree with you at the outset what you can expect and when.

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 depends on individual circumstances.