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

Leave School

  • Study at University or College
Start Career

Start Career

Leave School

Take accountancy advice

  • Speak to a tax specialist
Companionship

Companionship

Buy first home

Buy first home

  • Establish your affordability & get mortgage quotes
Growing your family

Growing your family

Protect what's important

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

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

Buy a second property to rent out

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

Get a promotion

Review company share schemes and benefits

Review company share schemes and benefits

Help the generations

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

Work overseas

Achieve financial independence

Achieve financial independence

Enjoy retirement or work on your own terms

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

Go travelling

First grandchild

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
Financial planning

Pensions and discretionary fund management

Investment
Investment

Bonds, enterprise investment, ventrure capital and ISAs

Protection
Protection

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

Mortgages
Mortgages

Home buying, property investment, intergenerational mortgages

Family
Family

Wills, trusts, gifting and inheritance tax

Retirement and later life
Retirement and later life

Pensions, annuities and legacy planning

Tax Advice
Tax Advice

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

Philanthropy & Charitable Giving
Philanthropy & Charitable Giving

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

Your home may be repossessed if you do not keep up repayments on your mortgage.

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 VCTs/ 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 tax advice, Trusts and Wills are not regulated by the Financial Conduct Authority.