How we can help

Clarity in a changing world, security in uncertain times - we’re here for you whenever you need us.

How we can help

In a partnership for life, we’ll give you the peace of mind knowing that we will be there for you every step of the way, looking after your financial journey together. So you’ll be empowered to do whatever you want, when you want - from buying a new home or planning a dream holiday, to paying school fees or retiring early.

We’ll do this by understanding the unique results you want, when you want them and how you want to get there. We’ll then aim to grow your investments in a simple and effective way to work towards achieving those goals.

Leave School

Study at University or College

Start Career

Take accountancy advice

Speak to a tax specialist

Companionship

Buy first home

Establish your affordability & get mortgage quotes

Growing your family

Protect what's important

Consider bespoke general insurance
Consider private medical insurance
Consider protecting your income
Establish how much life & critical illness insurance you require
Establish a Will

Grow your wealth

Consider discretionary fund management
Utilise your annual pensions & tax allowances
Invest any surplus funds or disposable income into tax-efficient investment vehicles
Invest to make use of the tax reliefs available
Align investments to your personal risk tolerance
Regularly review the diversification of your investments

Buy a second property to rent out

Get help to find the right property & to manage the rental on your behalf

Get a promotion

Review company share schemes and benefits

Help the generations

Consider an intergenerational mortgage
Set up a trust
Establish a regular gifting plan
Start Inheritance Tax planning
Look to use children's annual tax allowances
Help parents/family with long-term care & inheritance planning

Work overseas

Achieve financial independence

Enjoy retirement or work on your own terms

Review legacy planning
Buy an annuity plan
Take a flexible income
Take a cash lump sum from your pension

Go travelling

First grandchild

Our partnership with you

You will find our approach to a working partnership refreshingly different.

It all starts with an informal but highly detailed review, at which point your personal adviser will examine every aspect of your current financial situation, and where it likely to get you in its current form, as well as bringing your medium and long-term objectives into focus. Everyone is different, so this review closely reflects your individual circumstances and forms the basis of a financial strategy that’s tailored to achieve your aspirations.

However, putting a robust, detailed plan in place is only half the story. Life evolves and circumstances change, so ongoing, proactive advice and financial guidance is essential every step of the way. Whenever we think your plans need adjustment or realignment, we will work together to do so and will advise you accordingly.

It isn’t easy to put a value on peace of mind, but our partnership with you will change the way you feel about your finances, allowing you to own your financial journey in life.

Our expertise extends across every aspect of the financial spectrum:

Financial planning

Pensions and access to discretionary fund management

Investment

Bonds, ISAs

Protection

Medical insurance, income protection, life insurance and critical illness cover

Mortgages

Home buying, property investment, intergenerational mortgages

Family

Wills, trusts, gifting and inheritance tax

Retirement and later life

Pensions, annuities and legacy planning

Tax Advice

Tax efficiency, inheritance tax, tax planning, entrepreneurs relief, SEIS & EIS

Philanthropy & Charitable Giving

Offering a tailored advisory service to help you ensure your philanthropy is effective and rewarding

Our Approach/ Process

Wealth management can sound nebulous, complicated and potentially scary. By partnering with us, we will help you feel confident about your financial decisions. We will work with you to understand your aims and objectives, to ensure that your finances are on track for you to be successful in your life goals.

Our aim is to put you at ease so that you gain clarity in a changing world and security in uncertain times. Our 3-stage process is outlined below:

Establishing what matters most to you

It all starts with an informal and detailed review of your current financial situation and what plans you have put in place to date. We also want to understand what matters to you, from the sort of lifestyle you want to live and the various milestones you would like to achieve, as well as understanding what financial security looks like to you. With this information, we can then start planning the approach which is the best fit for you.

Developing a bespoke plan

Armed with this information, we would set about creating you a holistic plan for your financial life journey, which we will present back to you and which will help you understand how best to maximise your personal financial resources. This plan shows what your current financial future looks like and what you might need to change to achieve your goals if you are not on track already. By using the right combinations of strategies, your finances can give you the freedom today to focus on what you do best - and freedom tomorrow to enjoy the rewards.

Achieving what is important to you

By adding our strategic input and ongoing financial advice, we will partner with you to ensure you make the right financial decisions at the right times. We will also ensure that your bespoke financial plan is regularly adjusted, depending on your life circumstances and any changes in legislation, to keep you on track. Providing ongoing and lifelong support to you and your family – we are here to underpin your journey.

Your life can change today...

By contacting us, you are taking the first step to putting your finances in focus – empowering you financially for the important moments in life and providing you with peace of mind that someone is taking care of things when you are not able to.

The home on which the mortgage is secured may be repossessed if repayments are not maintained.

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. Tax relief is dependent on individual circumstances.

Please note that SEIS & EISs are illiquid investments, subject to future and retrospective tax changes and as such are suitable only for experienced, sophisticated or high net worth investors who accept that they may get back significantly less than the original investment.

Advice relating to a Will involves the referral to a service that is separate and distinct to those offered by Morrinson and St. James’s Place.

Please note that Buy to let mortgages, Trusts and Wills are not regulated by the Financial Conduct Authority.

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