Frequently asked questions

1. Our services to you

We offer a range of wealth management services and products to support you in planning for your future. To become a client, you firstly answer basic questions about yourself, your financial situation and your initial investment. We will then ask you to choose an advice service. Depending on the size of your investment, and to make investing cost-effective for you, you can choose from the following: 

Face-to-face advice (minimum investment of £50,000) 

One of our Advisers will meet you in person to discuss your financial planning and investment needs in depth. After this consultation, your Adviser will research the most appropriate solutions for you, and then make a series of personal recommendations based on your needs and objectives. Typically, multiple meetings with you are required. 

Online advice (minimum investment of £10,000)  

  • Firstly, you complete an online 'Advice Case', which includes a Fact Find (i.e. a structured form regarding your personal and financial situation), a risk tolerance assessment, and a declaration of your financial planning goals. Clients typically take about 30 to 40 minutes to complete and submit an Advice Case.  
  • Next, one of our Advisers will review your case. If your case is straightforward, your Adviser may respond with a personal recommendation within two working days. However, if your case is more complicated, your Adviser may require you to provide extra information, and may carry out extra research and analysis on your behalf. In this case, it will take longer than two working days to provide you with a personal recommendation. With some particularly complicated cases, your Adviser may suggest to you that face-to-face advice is more appropriate.

Once you agree your personal recommendation, you follow the provided instructions - supported by our office - to complete your case.   


Every client is different. And every client has different investment planning needs. We believe that our two services - face-to-face advice and online advice - cater for the differing needs of all our clients and their different financial journeys.

Our goal is to make our financial advice available to our clients whenever they need it.   

Our clients have different backgrounds, professions, ambitions, ages, lives and levels of personal wealth. However, they all desire to plan and to invest for their
futures. That is where we help. 

Absolutely. In fact, we encourage this.

A new client with relatively straightforward planning and investment needs might initially take online advice. However, when their financial situation becomes more complex they often prefer more traditional face-to-face advice.

Similarly, our well-established clients mightseek expert pension and ISA advice annually through online advice, but would rather face-to-face advice to structure their estate for purposes of Inheritance Tax planning. 

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 and are generally dependent on individual circumstances.

2. Investing

Your investment vehicle will be dependent on the investment strategy that you are recommended. However, our clients invest in a range of St. James’s Place funds, or in one or more of St. James’s Place’s Growth and Income Portfolios. These were created to meet a variety of client investment objectives and risk profiles, and are continually monitored by the St. James’s Place Investment Committee. 

Your investments will all be managed via the St. James’s Place investment management approach.

We encourage our clients to invest for a minimum of five years. Investing is a long-term activity, and investment durations of five years or more may increase the potential of investments growing. You can withdraw whenever you wish; however, this increases your risk of lower investment returns and may result in taxes and charges being incurred.  

This depends on the service that you choose.   

  • Face-to-face advice may require an Adviser to meet you multiple times. However, once your recommendation is discussed, agreed and actioned, investments are typically completed within four to six days. The time taken does depend, however, on the complexity of your recommendation.
  • With online advice, we will aim to make a personal recommendation to you, along with instructions on completing your investment(s), within two working days. However, more complicated cases may take longer - due to the need for your Adviser to research and analyse your case. However, once the personal recommendation is agreed, and after you follow the provided instructions, investments are typically completed within four to six days.
             

Yes. We can support initial investments from £10,000.   

  • Face-to-face advice has a minimum initial investment of £50,000.
  • Online advice has a minimum initial investment of £10,000.    

Yes. If you wish to also invest on a monthly basis, the minimum monthly investment is £300.

You could, but it wouldn’t be straightforward. Many financially sophisticated individuals design and run their own investment portfolios. However, this takes not just investment and financial planning expertise, but also time and diligence. Together our Practice and St. James’s Place offer you the necessary financial planning and investment expertise to allow you to invest with confidence.

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.
    

3. Fees

You will be charged for both our advice and our products. These fees are dependent on our recommendation to you. To ensure that you understand the charges before you invest, we will provide you with full details in a personalised 'illustration', which is a formal document that summarises your investment.

To give you an indication now, here are example client investments and the fees for our online advice service:    

  • If you invest £50,000, the maximum cost will be a maximum of £2,000. Should you invest a lump sum with us, the cost of the initial advice and our services will be a maximum of 4.0% of the amount you invest.   
  • If you invest £300 per month, the charge will be a maximum of £432 for investment advice or a maximum of £720 for pension advice. Should you make regular investments, the cost our initial advice and services will be a maximum of 4.0% of the amount you invest of the first 3 years for investment advice and 5 years for pension advice.
  • We will also provide you with ongoing advice to review your investment and ongoing contribution levels, if applicable. The cost of this each year is 0.5% of your total investment. For example, if your investments are worth £100,000 in a particular year, the cost for that year would be £500.     

You will be charged for both our advice and our products. These fees are dependent on our recommendation to you. To ensure that you understand the charges before you invest, we will provide you with full details in a personalised 'illustration', which is a formal document that summarises your investment.

To give you an indication now, here are example client investments and the fees
for our face-to-face advice service:    

  • If you invest £100,000, the cost will be a maximum of £4,500. Should you invest a lump sum with us, the cost of the initial advice and our services will be a maximum of 4.5% of the amount you invest.   
  • If you invest £500 per month, the charge will be a maximum of £810 for investment advice or a maximum of £1,350 for pension advice. Should you make regular investments, the cost our initial advice and services will be a maximum of 4.5% of the amount you invest of the first 3 years for investment advice and 5 years for pension advice.
  • We will also provide you with ongoing advice to review your investments and ongoing contribution levels, if applicable. The cost of this each year is 0.5% of your total investment. For example, if your investments are worth £100,000 in a particular year, the cost for that year would be £500.     

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.
  

4. Your eligibility and information

Potentially, yes. One of our team may ask you to confirm your identity and your status. This may be required by law.

No. While we designed this service to make financial planning and advice more accessible to our clients, online advice is not always appropriate for everyone. If you do not currently feel confident in using an online service as part of a discussion regarding your finances, then please contact our office instead. We would be happy to talk with you regarding your financial requirements.      

We support clients who are 18 years of age and older to invest. If clients are 85 years of age, or older, we advise them in person.


To invest via certain tax-incentivised products (e.g. Pensions and ISAs) you may need to be a resident of the United Kingdom. Unfortunately, if you are resident in Australia, Canada, New Zealand or United States of America we cannot support you to invest. Please contact us if you are unsure of your eligibility.      

We believe that it is important for everyone to save and to invest for their respective futures – at some stage of their lives. However, investing is not always appropriate. Individuals who have significant levels of high-interest debt or who lack sufficient cash reserves should not invest immediately.

We take the security of your personal information very seriously. Details of how we securely communicate with you and treat your personal data appropriately are available here.

Further details are available in our Privacy Policy

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.   

An investment in equities does not provide the security of capital associated with a deposit account with a bank or building society.   

The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.     

5. Other questions

That is simple. Click here.   

You can contact our office. We could be happy to talk with you.      

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