No advice without a plan

We believe that every client needs a Lifetime Financial Plan because we can’t ensure the advice is suitable without one. We can’t know what you should be investing in, or even whether you should be investing at all, without a robust, comprehensive plan that tells us where you are now and where you want to get to.

Getting to know you

We offer a no obligation initial discovery meeting where we focus on getting to know you and what you want to achieve in life. We want to hear about what excites you, what keeps you up at night, and what your vision for your future looks like.  We'll talk about how much longer you plan to work and how much money you'll need each month to enjoy a great retirement. You can also tell us about your family, whether you want to help them financially, and what you hope to leave them when you're gone.

We'll explain our services, how they can help you, and what they cost. If you like what you hear and want to move forward, we'll then start working on your plan.

Constructing the Plan

We’ll do an appraisal to see where you are now and whether it’s enough to get you to where you want to be. We’ll look at your existing savings, investments and pensions, including any final salary benefits you may have, and any other income sources such as buy to let properties.

We’ll use this information to create a Lifetime Financial Plan, which will tell you what you need to do to help you achieve everything you want to do without running out of money, and give you the confidence to do it. Our plan may include recommendations of changes to your existing investments or pensions, and it may include recommendations of new plans.    

Implementation

If you feel our service is a good fit for you and we believe we can add value, we'll move to the implementation stage. Here, we'll put the recommendations from your plan into action, setting you on the path to financial freedom.

This is just the beginning of our relationship. While we'll tackle the immediate issues identified during the planning stage, there will be much more to address in the coming months and years.

Getting your finances in order is a gradual process, much like getting fit. You won't achieve financial health overnight, just as you won't get fit by seeing a personal trainer once. Consistent effort is key. The process may involve some tough changes at first, but over time, you'll feel more financially secure and confident.

Becoming a client marks the start of your journey towards financial freedom and gaining true confidence in managing your money.

Adapt and Adjust

From then on, we'll monitor your plan through our annual Financial Planning meetings. Since your circumstances and objectives will inevitably change, the plan must adapt to stay relevant.

These meetings give us the opportunity to track your progress, review your goals, and make any necessary adjustments to ensure you stay on course.

The value of an investment with St. James's Place will be directly linked to the performance of the fund selected and the value may therefore fall as well as rise. You may get back less than you invested.