• We care about the advice we provide and will seek to establish your financial priorities and objectives; then help you to achieve these in your required timescale.
• We will help you to understand the various methods available to you and the advantages and disadvantages of each option.
• We will discuss with you the most appropriate products and investment funds with reference to your tax position and your attitude to risk.
• We will offer to meet you on a regular basis to review your financial planning and the progress of your investments.
• We will always be available for you by telephone and email between meetings.

Our advice will take into account:

Asset Allocation

• Ensuring prudent diversification
• Matching assets held with your attitude to risk
• Considering your capacity to take risk and to accept potential investment loss

Tax Planning

• Minimising tax paid where practical
• Using tax allowances where appropriate

Fund Performance

• Reviewing performance periodically with the aim of achieving above average returns.

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 and are dependent on individual circumstances. Make an enquiry