For individuals and families


We look closely at your life’s big picture, and expertly guide you through the financial decisions that can secure a more rewarding, sustainable future for you and those around you.

Building a better future isn’t something you just want for yourself. By taking care of your future as ethically and sustainably as you can, you help to secure a better world for everyone – from your family and friends, to your professional colleagues and others you care about.

Financial Planning Specialist Areas

Investment Planning

Investments are key to growing your wealth, but choosing the right investments for you will depend on many factors. Whatever your reasons for wanting to invest, and whatever your attitude to risk and return, we’ll take you through the options and help identify the right investment strategy.

We believe that investing wisely shouldn’t mean abandoning your ethics or ignoring your impact on the world. A sound investment strategy is one that contributes towards achieving your future goals, and that also helps us all build a better world for everyone.

There are many products we build into an investment plan.

ISAs allow you to invest with any growth being free of capital gains and income tax, making them a popular and tax-efficient means of investing.

St. James’s Place ISA funds benefit from the expertise of top investment professionals from around the world.

Junior ISAs
Junior ISAs are tax-efficient and flexible, allowing the potential for a capital sum to be built up on behalf of the next generation. It’s a great way to invest for education fees, a deposit on a home, or other future financial expenditure.

Unit trusts
A huge range of unit trusts is available, offering investment options to help meet your goals and aspirations no matter what your reasons for investing. They are designed to achieve medium to long-term capital growth or income.

Growth and income portfolios
Everyone has their own reasons for wanting to invest, along with their own attitude to risk.

St. James’s Place risk-rated growth and income portfolios give you a wide range of investment options to match your personal circumstances and objectives.

Discretionary and stockbroking services*
Our wealth management services can be as hands-on or as arms-length as you prefer. Access to our discretionary and stockbroking services* allows you to delegate control of your investments to our expert team – ideal if you have specific investment requirements or preferences.

Offshore investments
Offshore investment can open up a wider range of currencies and asset classes, which may be an appropriate choice depending on your investment goals and preferences.

St. James’s Place has a range of offshore solutions available if these types of investment are right for you.

Investing for income
If you’re looking to receive an income from your investments, we can offer you access to a range of solutions across a number of asset classes. We’ll make sure your portfolio is well diversified and tailored to you.

Investment bonds
The St. James’s Place investment bond is designed to offer potential capital growth over the medium to long-term, and is a simple, flexible option if your preference is to spread your exposure to risk.

*These services are provided by Rowan Dartington

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 favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.

Book an investment planning session
Retirement Planning

No matter what your age is, it’s rarely too soon to start thinking about retirement. Whether retirement is approaching quickly or you still have many years to go before you reach it, we’ll work with you closely to design the right retirement strategy for you.

We’ll begin by reviewing your existing arrangements, then provide a full range of expert advice and services designed to get your retirement planning into shape. The key is to make the most of all the retirement opportunities available to you. With us by your side, you’ll enjoy real retirement peace of mind, whether there are decades still to go or your retirement is just round the corner.

There are many ways we can help you and build a retirement plan bespoke to you, such as;

Maximising your pension fund
One important approach to retirement planning is to make maximum use of your pension fund. Depending on your circumstances, we can help you taper your annual allowance, carry unused reliefs forward, and protect your lifetime allowance – whatever it takes to make sure your pension fund is working its hardest.

Lifestyle decisions
Retirement planning can sometimes seem overwhelming, but we’ll help you make the right decisions at the right time depending on your circumstances, aspirations and goals. With us alongside you, planning for retirement becomes a smooth and stress-free process.

Nearing retirement
It makes an enormous difference to have expert support and guidance as you get closer to retirement. There can be a number of different decisions to take, but we’ll give you all the specialist advice you need to make sure you understand everything from buying annuities to pension drawdown.

Self-invested pension plans
Sometimes called SIPPs, self-invested pension plans offer a wider range of investment opportunities than you might have via traditional pension plans. They can be more flexible, which may suit you, but we’ll give you the advice and support you need to decide whether they’re right for you.

Retirement planning for the employed
It’s never too soon to plan for your retirement. By taking steps to prepare now, you’ll feel in control of your future, and can enjoy the peace of mind that comes when you know you’ve got the best advice and support.

Retirement planning for employers
If you’re an employer, there are likely to be pension requirements that affect your business. We work with you to make sure you understand all your obligations, and to help you choose pension services and products that are right for you, your business and your team.

Retirement planning for the self-employed
A tailored, personal approach to retirement planning is important for the self-employed, and we’re able to give you the professional, expert advice you need. We take all your circumstances into account to help you prepare for the future.

Being a trustee carries responsibility, but we’ve developed a range of solutions that help ease the burden. With our help, you can create a strategy that incorporates cost-effective actuarial and administrative services.

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.

SIPPS tend to have higher costs than a standard pension and are generally only suitable for fairly experienced investors.

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.

Book a retirement planning session
Protection Planning

Life is full of uncertainties, but that doesn’t mean that you can’t prepare for the bumps in the road ahead. Planning for your future also means taking steps to protect yourself and your family in the event that life’s less desirable events and occurrences come your way. It also means thinking about the inevitable, and planning to protect your estate once you’re no longer around.

Our team will take you through all the protection options available to you, explaining the ins and outs of estate protection, inheritance tax planning, and the ways you can protect against sudden loss of income in case of illness or injury. Life feels better when you know you’re prepared for what’s ahead, and you can enjoy each day with real peace of mind.

Book an protection review meeting
Later Life Planning

Your financial needs can change dramatically in later life, and we’ll help you prepare for the coming years. From inheritance tax planning and gifting to securing the income you may need for long-term health care, we help you plan for what’s ahead.

Long-term care

Today’s healthier lifestyles and advanced medical care can lead to a longer life for many, but this can come with a financial cost. We look at your financial needs across your lifetime, helping to make sure you can pay for residential care in later life if it’s needed.


Book a later-life planning session
Inheritance Tax and Estate Planning

Mitigating inheritance tax can be complex, but we’ll guide you through the full range of options and help you take the steps that are right for you. With access to leading law firms and other partners, we make sure you’re fully protected.

There are many aspects to planning inheritance, some of the suggestions we may make are;

Estate administration
Looking after a loved one’s financial affairs after they die can be stressful and a time-consuming burden. We explain clearly what needs to happen with the financial, legal and tax arrangements, making sure you’re fully informed and that you benefit from a helping hand.

Gifts of money or assets can be an important means of mitigating the effects of inheritance tax. We’ll take a close look at your circumstances and help you maximise the gifting allowances that are available to you.

When it comes to protecting your estate in the event of your death, your will is a vital part of the planning process. We make sure your will is in step with your wider financial plan, helping you access sound legal advice to make sure your wealth goes to the beneficiaries you choose.

Professional trustee services
Being a trustee brings with it a number of responsibilities and obligations. As a Senior Partner Practice of St. James’s Place, we can connect you with trustee service specialists who are as committed to building firm, long-lasting relationships as we are.

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.

Will writing involves the referral to a service that is separate and distinct to those offered by St. James’s Place. Wills are not regulated by the Financial Conduct Authority.

Book an inheritance-tax planning taster session