Working with clients with higher than average incomes, we apply a continuous process to ensure that your goals are understood, if they are on track and how achievable they are.

Wealth Planning & Discovery 

Our first meeting involves an in depth discussion of your current financial situation. At this meeting we gather information on your plans and goals for the future. We ask you to think seriously about your exit strategy* from employment or running a business, specifically when you want this to happen and how much money you will need. 

Evaluation & Analysis 

Using the information you have provided about your financial potential and goals, your plan starts to come together. We undertake data gathering on any plans you have in place and start to prepare feedback on their suitability for your agreed wealth creation plan. Existing investments are analysed and appraised on a number of areas including performance, risk level, growth potential and costs. 

Planning Proposals 

At a proposal meeting we discuss our findings and your wealth plan, including any recommended products that need to be put in place which aim to meet your target asset level. Our proposal considers a wide range of investments tailored to you. We consider the impact of taxes, the repayment and management of debt and your ability to commit to making any regular contributions. Our proposal will also consider any additional risks you may face that may stop you reaching your goal of financial freedom. 

Implementation 

Once you inform us you are ready to make a commitment we start the process and arrange for supporting products to be set up in a timely manner. We gain agreement from you about how frequently the plan needs reviewing and how you would like us to communicate your progress. 

Ongoing Reviews 

Through our agreed reviews we monitor if your plans remain on track and are still on target to achieve what they set out to. These meetings are an opportunity to discuss any changes, planned or unforeseen. The investment strategy supporting your wealth plan is reviewed and appraised to check it is working for you. Any changes in your circumstances are recorded and the outcome of the review communicated back to you in writing.

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. 

*Exit strategies may include the referral to a service that is separate and distinct to those offered by St. James's Place.