Whatever your stage of life, we can guide you through the opportunities and challenges you are likely to face. To do this, we listen to your needs, goals and priorities to achieve a suitable recommendation, then deliver a holistic lifestyle plan for you. We will analyse your financial profile, lifestyle objective and attitude to risk to develop a detailed financial plan that’s flexible enough to adapt to any changing circumstances.
STAGE ONE – INITIAL CONSULATATION (GETTING TO KNOW YOU)
An initial face to face meeting (which is without obligation) will help us get to know you, your family, your ideal lifestyle and your aspirations. Here, it is important that we uncover as much information about you and your financial arrangements as possible, including what motivates and drives your success, your principles about money; what capital you have now and may have in the future; as well as what you expect to spend.
This way we can ensure we offer you the appropriate solutions to seamlessly fit your needs. In return we will help you to understand what you can expect from us, what we can deliver for you and how we can become your trusted adviser.
STAGE TWO – PLAN CREATION (ANALYSIS AND RESEARCH)
The end result of the initial consultation is a bespoke financial plan, which is created using a range of sophisticated financial modelling tools, which take into consideration applicable risk levels and your objectives. This plan will help towards achieving your goals, provide you with confidence and peace of mind, and enable you to make fully informed future decisions. We will also review your existing arrangements remain suitable.
STAGE THREE RECOMMENDATION AND IMPLEMENTATION
With our analysis and research complete, we meet with you to discuss our recommendations, which we can fine tune together. It is important to us that you are comfortable with the strategy before we then implement your plan.
If you are happy to proceed, we begin building the financial architecture, which may involve changing existing arrangements, or taking steps such as putting assets into a trust. We will take ownership for implementing the plan.
STAGE FOUR – MONITORING AND ON-GOING REVIEW
We will demonstrate to you that you have made the right decision in putting your trust in us. Your financial plan will evolve depending on the both your ongoing financial situation and that of external markets and fiscal regimes, and we will be there every step of the way.
You are assigned a dedicated wealth partner, and you are given full access to our Circle Wealth Partners support team, and together we commit to providing our ongoing face-to-face regular advice and reviews, which means you can enjoy a trusted long-term adviser who understands you and your needs, to help you remain on track to achieve your goals.
Trusts are not regulated by the Financial Conduct Authority.
The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and the value can therefore go down as well as up. You may get back less than the amount invested.