Your
is our priority.
We bring your tax, investments, retirement and estate into one plan, run by one team, reviewed every year.
Arrange Your No-Obligation, Introductory Zoom Call
As your financial life grows, it becomes less joined up.
Nobody has the whole picture.
A pension here, an ISA there, a GIA from a previous adviser, options from work. No single view – so no one is checking whether it adds up.
Decisions get made one at a time.
A pension contribution, a property, a share sale. Each sensible alone. Together, they can cost more tax than they need to.
The stakes rise faster than your spare time.
The more there is, the more a small structural mistake compounds – and the less time you have to spot and correct it.
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 and are generally dependent on individual circumstances.
One plan. One Team. Reviewed every year.
You’ve got aspirations. We’ll help you reach them.
We start with what you want your money to do – then build the tax, investment, protection and estate decisions around that; as one plan rather than five.
It means when something changes – a bonus, the sale of a business, a Budget announcement – we already know what else it affects, and you hear from us before you have to ask.
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 and are generally dependent on individual circumstances.
How it works.
1.
Your life
A conversation, not a pitch. The first meeting is about what you’re spending today, what you envisage for your retirement, and how you want to leave a legacy. Not products. It takes 30-45 minutes and is offered on a no-obligation basis.
2.
Your plan
We model it in Voyant, a sophisticated cashflow modelling software. You’ll see the year your assets could cover your lifestyle without you working, what it takes to get there, and what happens if markets fall or you stop earning early.
Others charge thousands for this – we provide it at no cost; investing our time and resources in a prospective client relationship upfront to ensure mutual value exchange.
3.
Your strategy
A written plan: which tax wrappers, which investments, what’s protected, what it costs, and what we’ll prioritise first. You decide what to act on; considering your time horizon, attitude to risk and capacity for loss.
SJP’s carefully constructed investment portfolios enable you to diversify across a wide range of global asset classes while accessing a range of top fund managers with different investment management philosophies.
4.
Your north star
Your Apollo Private Wealth Adviser will continue to provide you with ongoing personalised financial advice, with annual reviews of your plan, a conversation after every Budget announcement – and a number to ring when something changes at your end.
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 and are generally dependent on individual circumstances.
Financial lives we know well.
From capital markets professionals to technology executives, business owners and internationally mobile clients.
Who we helpFor you and your family
For entrepreneurs and business owners
For more complex cases
What we handle.
Tax planning and optimisation
Your after-tax return is the only return that matters. The right assets, in the right wrappers, drawn down in the right order – and with a holistic view both of assets managed by us and those held away.
Learn moreFamily & intergenerational
A plan that works for you now and your children later; including bringing them into the conversation while you’re still here to shape it.
Learn moreInvestment
Institutional fund managers – KKR, Oaktree and BlueBay among them – whom individual investors can’t ordinarily access; and replaceable without triggering a CGT event for you.
Learn moreRetirement
How much you need, how long it lasts, and what happens if you stop earning five years earlier than planned. Modelled, not estimated.
Learn moreEstate and inheritance tax (IHT)
From April 2027, pensions form part of your estate. Most people assume 40% of everything. We’ll show you what you’d actually owe, and the options.
Learn moreYour after-tax return is the only return that matters. The right assets, in the right wrappers, drawn down in the right order – and with a holistic view both of assets managed by us and those held away.
Learn moreA plan that works for you now and your children later; including bringing them into the conversation while you’re still here to shape it.
Learn moreInstitutional fund managers – KKR, Oaktree and BlueBay among them – whom individual investors can’t ordinarily access; and replaceable without triggering a CGT event for you.
Learn moreHow much you need, how long it lasts, and what happens if you stop earning five years earlier than planned. Modelled, not estimated.
Learn moreFrom April 2027, pensions form part of your estate. Most people assume 40% of everything. We’ll show you what you’d actually owe, and the options.
Learn moreThe 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 and are generally dependent on individual circumstances.
Boutique service, global resources.
Discover the benefits of being part of the UK’s largest wealth management firm.
St. James’s Place in numbers
St. James’s Place guarantees the suitability of the advice given by members of the St. James’s Place Partnership when recommending any of the wealth management products and services available from companies in the Group, more details of which are set out on the Group’s website at www.sjp.co.uk/products.
Who you’ll actually be working with.
Seeking a tailored financial strategy?
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