Our Commitment to you 

We build and maintain long-term client relationships based on trust, great service and quality advice. We provide multi-generational financial advice for you and your loved ones, to provide the peace of mind that comes from dealing with a family business who care about you and your family. We personalise the service for you, to meet your needs now and in the future. We help you to make informed, financial decisions to achieve your goals through personal, face-to-face financial advice. 

THE PERSONALISED SERVICE WE PROVIDE TO YOU WILL INCLUDE: 

• Initial meetings, reports and advice offered without obligation 
• Meetings held in person or via technology to suit your circumstances 
• Availability by telephone between meetings if you want to discuss any concerns or changes to your financial circumstances 
• Advice and recommendations following a full assessment of your personal and financial situation 
• Correspondence and literature that is clear and easy to understand 
• Detailed cashflow assessments for more substantial or complicated financial arrangements 
• Clarity and guidance in all aspects of your financial wellbeing 

THROUGH OUR REGULAR CLIENT SERVICE REVIEW MEETINGS, WE WILL: 

• Understand your financial circumstances and objectives 
• Ensure that you have a clear understanding of how we will help you to achieve your financial goals 
• Review your financial goals and ensure that your investments continue to meet your requirements 
• Review and, if applicable, rebalance your investment portfolio and fund choices 
• Help you maximise your annual tax allowances 
• Keep you up to date with relevant legislation and Budget changes 
• Encourage your feedback to ensure we keep providing excellent service 

OUR ONGOING SERVICE 

• At the outset we will agree a level of service that is tailored to your needs, and will review this with you each year, but as a minimum will include:
• An annual full review of your investments, financial circumstances, and financial goals 
• Online access to your Wealth Account 24 hours a day, via our website 
• Annual valuation reports for your investments 

INITIAL AND ONGOING ADVICE CHARGE 

• We will discuss the initial and ongoing advice charges for our services with you. Our advice is not free. 
• We ensure that our charges are fair and appropriate for the work and expertise involved 
• Details of the charges we make for our advice and how it is paid for are set out in the “Key facts about our costs and services” document you receive 
• The cost for our advice is paid for and facilitated out of the overall charges levied on your investment 
• The specific initial and ongoing advice charges will be provided on your personalised illustration. If you have any questions regarding this, please contact us 

KEEPING YOU INFORMED 

We will provide you with access to regular communications. This ensures that you are kept fully informed of how your money is being managed and up to date with all the latest economic information, including any key changes that may affect your financial future. 

THE RANGE OF COMMUNICATIONS AVAILABLE TO YOU INCLUDE:

• Online access to your Wealth Account 24 hours a day, via our website 
• Tax year-end reminders of the available allowances and tax-saving opportunities 
• Annual valuation reports of your investments 
• An annual Budget report summarising the chancellor’s Budget announcements 
• The Investor magazine, full of investment news, interviews and opinions 
• Invitations to client events/briefings 
• Access to the E-briefing Service, providing topical financial news articles via email 

GUARANTEED ADVICE 

To provide you with added peace of mind and reassurance, St. James's Place guarantees 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-and-services.

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. The value of any tax relief is generally dependent on individual circumstances.