The Practice provides comprehensive financial planning through the provision of face-to-face advice, designed to focus on the unique circumstances of each client.

This is done by focussing on key questions clients may have and including:

• Do you know when or how you may be able to retire?
• Do you understand your pensions?
• Are you looking to invest for something special in the future- a wedding, new car or holiday?
• Are you looking to pass wealth onto the next generation?
• Is your family adequately protected should you not be able to provide for them?

In answering these key questions, this helps the Practice understand your financial goals and objectives, where you are now, where you have been and what’s important in your future.

The Practice would then create and establish a plan to help get you there. This may include:

• Establishing immediate actions and those to be taken in the future
• Reviewing existing investments or pensions to ascertain whether these are best placed to deliver your objectives
• Implementing investment solutions which would be appropriate to help you achieve this plan
• Analysing an Interactive cash-flow model to demonstrate where you are now and where you are aiming to be in the future

Finally, the Practice aims to regularly review this plan to help ensure you are on track, and make adjustments as your personal circumstances change.

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and the value may therefore fall as well as rise. You may get back less than you invested.