Putting our clients firmly at the centre of everything we do is core to the culture of St. James's Place. It enables us to deliver a genuinely client-focused service.

As a client of St. James's Place you have access to a comprehensive range of Wealth Management advice and will receive a high standard of bespoke personal service. This is designed to provide you with the clarity and guidance needed to achieve your financial objectives. It is our duty to support you in making informed decisions on all financial elements of life’s journey as well as preserving your wealth for future generations.

We aim to achieve that goal through the provision of face-to-face financial advice that is guaranteed by St James’s Place.

The service that we will provide will include:

• Annual Confidential Review - or more frequently as appropriate

• Availability to communicate by telephone, zoom or email in between review meetings to discuss any changing personal financial matters or needs

• Annual Wealth Account Summary - a document that provides an analysis of all your holdings through St. James's Place over the previous year

• Online Investment Valuations – secure access to information, details and current valuations of your St. James's Place holdings at your convenience.

• Introductions and regular communications to additional Professional Services as appropriate, tailored to you and your interests.

• Correspondence that is easy to understand, such as WeekWatch – a weekly update of current investment views and news

• Portfolio rebalancing as appropriate

• Expert insight and advice regarding later life care funding, attorneyship and inheritance tax planning.

• SOLLA accredited adviser.

The cost of ongoing services is met by an Ongoing Advice Fee on an annual basis and is detailed in your Key Features Document and personalised Illustration. This is calculated by taking into account the overall charges levied on your investment. If you have any questions, or wish to discuss this further, please don’t hesitate to contact us.

What we aim to achieve through the annual reviews

• Through regular reviews and working together, we will:

• Achieve an in-depth understanding of your personal financial circumstances

• Review your attitude to risk and investment and if necessary, rebalance your portfolio and fund choices.

• Discuss your long term goals and how we can help you achieve them.

• Encourage and listen to feedback to ensure we are providing you with the best, tailored service possible.

Open Communications

• Our range of available communications includes:

• A personalised Online Wealth Management Account, so you have access to view your investments 24/7

• The Investor Magazine

• Invitation to client events

• Tax Year End reminders and opportunities

• Annual valuation reports

• Weekly emails with market updates and key economic/financial news

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.