The main focus will be planning meetings, at least annually, to review your plan where we will update information, review your goals, portfolio, and tax efficiency, discuss new opportunities and monitor your progress. 

In addition to the ongoing planning, you have access to: 

• The practice at any time for queries and advice 
• Your detailed 1-page Asset Summary highlighting your current financial position 
• Your annual Wealth Account 
• Invitations to client briefings, webinars and events 
• A monthly newsletter on email, containing planning and investment insights 
• My e-briefing service for tailored reports, tax updates and our Investor Magazine 
• Tax year end reminders of the available allowances and tax saving opportunities 
• Annual tax cards setting out all the current tax limits and allowances for the financial year 
• Qwil, a secure messaging system 
• ‘Discovered’, our virtual book club with exclusive access to authors 
• The St. James's Place advice guarantee
• Your Online Wealth Account 24/7 (registration required), providing up to date valuations and a document library with your correspondence and certificates 

Ongoing Advice Charge

We will discuss with you the ongoing advice charges for our services. Details of the charges we make for our advice and how it is paid for are set out in the ‘Key facts about our costs and services’ document you will receive, and the specific amount will be provided on your personalised illustration. The cost for our advice is paid for, and facilitated, out of the overall charges levied on your investment.

Value

The bespoke service we provide will help: 

• You understand what's important to you and align this to your assets
• Take away the complexity and leave you free to enjoy your wealth and spend time as you wish
• Give you clarity and guidance in all aspects of your financial wellbeing 
• Provide a clear financial plan for the future whilst monitoring your progress 
• Improve investment selection through asset allocation and management 
• Assess risk and help prevent you running out of money 
• Pass on more wealth to future generations 
• Save you money through tax planning and tax-saving opportunities 
• Positively impact the world through responsible fund selection 
• Improve saving habits and the cost of debt 
• Protect your family from financial stress caused by illness or early death 
• Help to avoid the costly mistakes e.g., investor behaviour 
• Save you time, effort, admin and concern 
• Introduce you to the right people at the right time 

“Helping you make wise financial decisions”

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.