As a family ran Practice, our objective is to help get Families, Individuals and Business’ from A to B as smoothly as possible, be that with future Financial Planning, Mortgages, Pensions, ISAs or Personal/Business Protection to name but a few. Financial planning is very much like building a house, you need the right foundations in place to make sure that the house is stable and secure, otherwise cracks can start to appear which can then be very costly to put right, and nobody wants that. 

Our four-step approach to Financial Planning 

1. Foundations 

How we lay the foundations for financial planning, is for us to find out more about you and your current situation. This helps us understand where you are now and allows us to create a vision of where you want to be in the future. Once we have got solid footings, we can move on to step 2. 

2. Walls and Roof

The next step would be to take the foundations gathered in step 1 and begin to create the plan for your future and how the plan can work around different life events, children, travel, birthdays and income changes. This step focuses on combining our foundations with our future vision and starting to build on your immediate and long-term financial plans. 

3. 1st & 2nd Fix 

This is where the work put into laying the foundations and constructing the walls and roof start to show, from the foundations to now we will have successfully built the structure that is your Financial Plan. 

4. Ongoing Maintenance 

This step is just like caring for your home once it is built and you have moved in, we will speak to you on a regular basis to make sure you are still moving in the right direction with your financial goals and that nothing has altered in your situation that could change this. It is important to make sure we are totally up to date with changes and there will always be areas that need altering or updating but that is part of the process and another reason why it is important to maintain our relationship with you. At this stage when we reflect on laying those first ‘foundations’ we can really see how far you have come, how your financial goals have grown and developed over the years. Like building a house there will be times where it seems to be taking forever to see the end result, but once you start to see things unfold and enjoy the benefits all the hard work and planning will feel time well spent.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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 us generally dependant on individual circumstances.