Experts in the background, you in the spotlight.
Discover the components of your bespoke financial plan, designed to help you meet your goals.
You have aspirations for your family, and for yourself – and you don’t necessarily want to spend time managing your financial planning. You’ve got better things to do, and more important things to focus on.
Your team of expert wealth advisers is solely focused on understanding what’s important to you, your aspirations and your goals. We take a fully integrated view of your financial circumstances and then create tax-smart investment and retirement strategies, tax-efficient estate planning and comprehensive protection, all of which meet every aspect of your individual requirements.
Bespoke financial planning
Seeking a tailored financial strategy?
Schedule a consultation with one of our experienced advisers to comprehensively assess and map out your specific financial requirements.
This personalised meeting is an opportunity to delve into your unique financial situation, discuss your goals, and develop a tailored strategy that aligns precisely with what you need for achieving your long-term financial aspirations.
A financial planner, often referred to as a wealth manager, creates individual financial plans that are designed to help people achieve their goals in life. These financial plans and ongoing advice can encompass budgeting, saving, investing, tax planning, retirement planning and estate planning.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.
A financial planner can help you to achieve the lifestyle to which you aspire in retirement, fulfil a lifelong dream, or support your children. They can also help you to get the most out of your investments, manage your tax liability, avoid scams, provide you with the confidence to invest and remain invested for the long term, utilise the appropriate tax wrappers, and tailor an investment portfolio that is aligned to your objectives.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.
Boutique service, global resources – Apollo Private Wealth is a Senior Practice Partner of St. James’s Place (SJP), and we take the broadest possible view of the investment landscape to make the most of emerging opportunities, and believe that investing over decades, not days, is the best way to support your life ambitions. This frees up expert advisers at Apollo Private Wealth, to focus on understanding your objectives.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
Apollo Private Wealth is a Senior Partner Practice of St. James’s Place (SJP), and we believe that the consideration of material environmental, social and governance (ESG) factors within its investment decision-making supports good client outcomes, and our Advisers will make sure your investments are consistently aligned with your objectives and risk appetite.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
The amount varies from person to person. Instead, it’s important to begin by considering the lifestyle to which you aspire in your retirement, and how much that is likely to cost – taking into account inflation. Then, consider your anticipated income during retirement, and your existing assets, to determine how much you need to save to meet your objectives.
Broadly, optimising your income, savings and investments for tax efficiency is enabled through annual reliefs and allowances that are available to you; tax-advantaged accounts and investment wrappers; and expert advice to help plan and utilise those measures.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
The levels and bases of taxation, and reliefs from taxation, can change at any time, and are generally dependent on individual circumstances.
Estate planning involves managing and distributing your assets, both before and at the point of your death. There are various methods through which you can ensure that your wishes are carried out, while minimising taxes and legal complications for your descendants.
The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.
Protection is a crucial element of financial planning. Depending on your individual circumstances, you may wish to consider taking out or utilising life, health, disability, long-term care or property insurance/assurance, and legal strategies such as trusts and liability protection. An expert can help you to determine which products are suitable based on your assets, income, existing health condition and age, aligned to your objectives.
Private banking can unlock specialist lending solutions, for example those backed by investments, or mortgages for those with complex incomes. It can prove useful to HNW individuals and business owners, offering lines of credit and cash flow solutions, foreign currency exchange, competitive interest rates for borrowing and saving, as well as providing a personalised relationship with your own private banker.
Please note that these services necessitate a referral and are separate and distinct from those offered by Apollo Private Wealth or St. James’s Place.
A trust ensures that the correct amount of money reaches the intended parties exactly when it’s needed. Trusts offer a level of flexibility, innovation, and control that may not be possible through a Will alone. For instance, if you intend to gift assets to someone you deem not yet responsible enough, you might want to maintain some level of control over those assets.
Trusts are not regulated by the Financial Conduct Authority.
Private equity and venture capital professionals tend to have complex financial circumstances.
Services include tax planning and wealth structuring advice; specialist lending for those with complex incomes and earning structures; advice for UK resident non-domiciled individuals and offshore portfolio management.
Financial advice can also help you plan for your route to becoming partner, and fund your general partner (GP) commitments.
Financial planners use advanced technology, such as cash flow and net worth modelling, to help you visualise your existing and forecast positions. With your goals and aspirations overlaid, these computations can help you to anticipate where changes to your financial plan might be necessary, to help you achieve your objectives.
