Not feeling the love from your current financial adviser?
Our Second Opinion Service gives you a fresh perspective, no strings attached. Book your no-obligation call today and fall back in love with your financial plan.
You’ll receive a no-obligation, bespoke ‘benchmarking’ of your existing financial planning and wealth management arrangements, with projections of your future financial outcomes.
Tax Efficiency Health Check
Maximise your utilisation of annual tax allowances, reliefs and tax-deductible solutions, and save and invest in the most tax-efficient manner.
Investment Strategy
A comprehensive review of your current investment positions, their performance, and suitability to your situation and objectives. We’ll review asset allocation and evaluate any rebalancing requirement.
Insurance Coverage Assessment
A review of any existing policies, evaluating the sufficiency of your coverage. We’ll identify areas of risk, and help you to maximise your use of any employer schemes to mitigate tax liabilities.
Retirement Planning
Forecasting your spending capacity in retirement, reviewing the suitability of your pension contributions, creating sophisticated long-term cashflow models and tax-efficient distribution strategies.
Estate and Inheritance Tax (IHT) Planning
Assessing your existing estate planning methods, and forecasting your IHT liability, we’ll redesign your tax-efficient generational wealth transfer strategy, and help you weigh up Gifting options, Life Cover Plans and employing the use of Trusts.



What’s involved in our Second Opinion Service?
Your expert wealth adviser will take the time to understand your present circumstances, to create a bespoke report that is designed to help you benchmark your existing arrangements, and identify any gaps that exist in utilising allowances and reliefs.
It’s a common misconception that wealth management is suitable only for the rich and famous.
A good adviser will not only provide you with a full financial advice service, but will also identify areas where other professional support could be valuable and introduce trusted experts to help.
The fact that an adviser can give you confidence – such as the confidence to invest at the right level of risk for you, instead of keeping all your money in cash – is one of the most valuable aspects there is.
However, before they start talking to you about investments, returns and tax, they will take time to understand you as an individual, as well as your family, to find out what your goals and objectives are.
Knowing that your finances are on track to help you achieve them, and that you have access to someone you trust who knows you and your family, is really important. That’s the kind of thing that helps you sleep at night.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected 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.
Trusts are not regulated by the Financial Conduct Authority.
St. James’s Place in numbers
A wealth of knowledge.
Hear from some of our clients.
Four stages to embark on your financial journey.



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 depends on individual circumstances.
Trusts are not regulated by the Financial Conduct Authority.
Start planning now, invest later.
St. James’s Place.
Your expert wealth adviser will take the time to understand your present circumstances, to create a bespoke report that is designed to help you achieve your goals, and make the most of the allowances and reliefs that are available to you.
There is no obligation for you to proceed, and we aim to provide valuable insight to your financial wellness, with steps to refine it.
