What is the role of a Financial Adviser?

Considering how to make the most of your savings can be daunting. However, with expert knowledge, a Financial Adviser can work closely with you and make time to understand your life goal and make recommendations about how best to protect and grow your money.

The difference we can make will depend on which stage of your life you are in.

• Creating wealth - we can help you develop and put in place a financial strategy as you start saving, acquiring assets and creating your wealth
• Growing wealth - as your career progresses, the focus will be on in-depth tax efficient financial planning and appropriate investment strategies to help your money work as hard as possible.
• Preserving wealth - as you approach the end of your career ,you might be more concerned about looking after your wealth. We will develop a strategy to help protect your assets and mitigate your tax liabilities
• Transferring wealth - at some point you or a family will leave a legacy to the next generation. At this stage, we can advise you on estate planning and inheritance tax issues to help you achieve the most effective transfer of wealth to your loved ones.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select, and 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. 

Why should I have an initial meeting with a Financial Adviser?

You are under no obligation after your initial meeting with one of our Advisers. Before any recommendations are made, we will clearly explain the fees involved and the benefits to you. 

If you decide to become a client, we are confident of the value we can add.

How do I know I will receive sound financial advice?

Our Advisers have many years’ experience in developing a bespoke and personal service for our clients. We are a Partner Practice of St. James's Place, one of the largest financial services firms in the UK and the advice we provide you with is guaranteed by them. 

Find out more about the St. James's Place guarantee here.