Our business operates to high professional standards and delights in delivering a personal service. Discretion and confidentiality is at the very heart of what we do. 

We work closely with all of our clients, building a relationship based on trust and understanding. We recognise that each client is unique, with his or her own set of financial needs and future aspirations. We, therefore, encourage our clients to have a review meeting at least once a year. However, “our door is always open”, allowing you to receive the necessary advice whenever it is needed.

We believe strongly in the importance of actively planning in order to:

• Protect against risk 
• Pay less tax by taking advantage of HMRC allowances and incentives (not aggressive tax avoidance)
• Aim to make more money by allocating assets to get the best potential return for the risk taken 

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.