St. James's Place is a FTSE-100 wealth management business that puts long-term relationships and advice that clients trust at the heart of everything they do.

St. James's Place recognises that no single investment house has a monopoly on investment expertise, and do not employ in-house investment managers. Instead they carefully select external managers of outstanding ability from around the world to manage their range of funds.
Advantages:

• It gives St. James's Place the freedom to select first-class managers from the global investment market to manage their funds on behalf of their clients.
• It enables St. James's Place to change any of these managers at short notice if they have lost confidence in them, without any charges, or tax, or inconvenience to their clients.
• It offers St. James's Place clients a real opportunity to diversify their investments by spreading their money across many different funds spanning all major asset classes and countries form around the world, managed by different managers with different styles.
• Currently providing a range of 42 funds, some of which combine the strategies of several funds managers based globally and of which 18 are exclusive funds available only through St. James's Place.(as of October 2020)

The Investment Committee
The cornerstone of the St. James's Place approach is their Investment Committee, which ‘manages their fund managers’ on behalf of their clients. The role of the Investment Committee with the help from 2 external leading advisory groups, Stamford Associates and Redington is to:
• Select the best investment managers from the world stage.
• Continually monitor those managers to ensure they maintain the standards for which they were selected.
• Change managers if this becomes necessary.
• Ensure clients have an appropriate spread of investments by providing a comprehensive range of funds incorporating both Growth and Income Portfolios.

They believe their investment process provides their clients with the best chance to achieve superior returns over the medium to long term.

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.

We believe in good old fashioned face to face advice, whether in person or via one of our many Web based platforms. All of our clients have a close and personal relationship with a dedicated adviser who will assess your financial needs and offer guidance and advice in order to best plan for the future.

We help and advise our clients on the correct approach to help achieve their short term and long term goals, encompassing all aspects and needs from cash savings and Investment planning through to retirement advice, inheritance tax and later life planning.

At an initial meeting our financial advisers will answer any questions that you may have and spend time to get to know you and understand your goals. They will ask detailed questions and carry out a ‘fact find’ to gather all of the relevant information before coming back to you with a recommendation, from that point on to is up to you.

We enjoy nothing more than looking after our clients and building long and trusted relationships but know that the most important question for a client is ‘Are we right for you?’. Ask yourself, do I like these people? Do I feel comfortable with these people looking after me and my family? Do I feel that these people can make a positive difference?

St. James's Place guarantee the suitability of the advice given by members of the St. James's Place Partnership when recommending any of the wealth management products and services available from companies in the group, more details of which are set out on the Group’s website at www.sjp.co.uk/products

Simply put, a Fact Find is a process, a ‘check list’ of questions and an established methodology of ensuring we build a detailed picture of you and your circumstances before presenting any advice to you.

The advice that we give has to be based upon the information that is made available to us by you. We will ask you logical questions in the Fact Find to attain this information. The more relevant information you can bring, copies of statements, ID etc are all part of building a picture in order to help before making any recommendations to you.

There is no obligation to have an initial meeting - we would like to meet and give you the time without any obligation or financial commitment.

Our advisers will, based upon your personal information, discuss the options for you to decide what you would like to do - following this and should you decide to select services and products that are offered, we will give you a detailed illustration of fees, structure and next steps.

We typically allocate a couple of hours for the first meeting. We do not however, rush or put any pressure on timescales with your decisions, we pride ourselves at SeventySeven to understand that no two circumstances are the same and work with you to ensure you feel fully informed before you make any decisions.

No - fees for products are only taken at point of Investment.

We have a diverse range of clients, we support those who simply seek to attain the best for their financial circumstances. The phrase Wealth Management can seem a confusing and intimidating term, as we find that everyone has a different perspective on the word ‘Wealth’.

The majority of our clients have said, ‘we don’t have enough money to invest with you’ or ‘I didn’t realise what I had and what could be done’.

Whether you are in a career and planning for your financial future, organising on behalf of your family or maybe on the cusp of retirement and want to ensure efficiency & enjoyment with your finances what is clear to us is that Wealth Management is a highly valued service to our clients and needed in all aspects of your life. We encourage you to come to our offices and ask the questions that you have and listen to your options without any obligation to commit.

No. We understand that money and wealth are relative. Our only two criteria for a client is that we can make a positive difference and that our advice is taken seriously.

Wealth Management is not simply for those who have large sums of money to invest. A lot of what we do is holistic planning and structuring our clients’ money, both existing and new, to ensure that it is meeting their needs and objectives. This can involve their personal and business affairs.

People often confuse speaking to an adviser years ago, as having received advice. Advice is an ongoing process, which involves planning and regularly reviewing client’s individual circumstances. Life is ever changing, so your investments and strategies also need to adapt over time.

No - you can decide how we interact with you. We offer home visits, office meetings and can offer Telephone meetings or FaceTime (or similar) - simply put we seek to put you and your needs at the core of what we do. We have however, developed an ideal environment for you to have total focus, comfort and privacy at our offices and an open atmosphere for you to meet the support team. We welcome you as our Guests.

We have many clients that have moved away, live abroad or have busy careers. They tend to enjoy the relationships that are created and we simply use technology to support our clients.

Most circumstances allow us to withdraw your investment within 7-10 working days however, as part of the Wealth Management Service we will advise you of any Tax implications and charges.

Pensions and more complex arrangements have criteria that you would be advised upon at the beginning.

Yes - absolutely, we want you to be as comfortable and reassured as possible during your visit. Married couples or partnerships often attend to discuss their circumstances and parents often prefer to have their children involved in more complex family matters.

Yes, our new offices have been specifically designed with this in mind.

Yes we can - please contact us to discuss your requirements.