What We Do
We are Chartered Financial Planners.
Many people think that financial planning and investment advice are two ways of describing the same thing, but this is not the case.
The key difference between a financial planner and an investment adviser is the approach to helping you. As financial planners we focus on you – your goals, your aspirations, your concerns, and your preferences. We look at the ‘bigger picture’ and deliver a holistic strategy along with a financial plan.
An investment adviser focuses solely on a single aspect – which is generally based around how your investments are managed.
For example, as a business owner in a niche sector, your needs will often be far greater than they appear at the outset. We regularly see enquiries for Life Assurance to cover Inheritance Tax liabilities. Whilst it would be easy to simply obtain various quotes to tackle this, we would look to understand the nature of the problem by asking questions; What are the assets involved? What reliefs are available? Is the ownership structured correctly? Are all legal arrangements set up correctly?
Often the best approach involves a very different solution to the one first envisioned.
We will look at the whole picture on your behalf and use our expertise to help you create an overarching strategy to protect your family and business interests, which may include setting up tax-efficient structures, protecting your business assets and ensuring the onward succession or exit for you as a business owner.
Put simply, we provide you with lifelong financial planning.
Understanding you.
We know that the future can look both challenging and daunting for you.
We understand and support farming families, and we understand that all rural businesses have individual requirements. We also understand that you and your family’s needs are unique to you.
We help you plan for the future, and because we have rural backgrounds ourselves, we will talk in a language that you will understand, and not confuse you with financial jargon.
So, we work with you to establish;
- where you are today
- where you want to be in the future
- a strategy to get you there
We help you to reach your own specific goals by building a solid financial plan with tailored advice, so that you can achieve the best outcomes for you. We believe that proactive financial advice can be transformational in shaping and delivering your future success.
Ours is a simple approach. You talk to us; we listen to you and then we create a strategy and a plan. And together we start the journey.
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.
Exit strategies involve the referral to a service that is separate and distinct to those offered by St. James’s Place.
Would you like to know more?
Please call our team on 01832 279170 to arrange a meeting or complete our contact us form and we’ll come back to you as soon as we can.
