Our Client Service Charter
Introducing your personal wealth management service.
Our Advisers are committed to building and sustaining long-term client relationships based on trust, superior service and the quality of our initial and ongoing advice.
Our philosophy is simple: to help ensure financial peace of mind for you and your family across the generations.
We will provide a highly personalised service and we will help you make informed financial decisions to achieve your goals through personal, face-to-face financial advice.
The tailored service we provide to you will include:
- High quality bespoke professional financial advice that is confidential and for your use only
- Face-to-face review meetings or virtually in times of need to suit you and your circumstances
- Availability to speak on the telephone or virtually between review meetings to discuss any financial matters important to you as your needs change over time
- Regular financial communications tailored to you and your interests
- Correspondence and literature that is clear and easy to understand
- 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
- Establish financial strategies to assist you in achieving your short, medium and long-term goals and objectives
- Fully review your financial goals and adapt to any changes
- Review and, if applicable, rebalance your investment portfolio and fund choices
- Help you maximise your annual tax allowances
- Keep you up to date with legislation and Budget changes
- Help you to review your appetite for investment risk as your circumstances and priorities evolve, ensuring your investments continue to meet your requirements
- Encourage and listen to your feedback to ensure we maintain our exceptional standards
Working together, you will:
- Have a clear understanding of your personal and financial objectives
- Have a plan in place that is risk-adjusted and aligned to your objectives
- Have a proactive process in place to review your financial plan and consider ongoing advice opportunities as your needs change over time
- Develop a thorough understanding of the principles of wealth management
Keeping you informed
The range of communications available to you include:
- Online access to your Wealth Account 24 hours a day, via our website providing access to your documents, details and current valuations of your St. James's Place investment holdings at your convenience
- Access to our Tax Health Check tool where appropriate, a simple two-stage process to assess the scope for improving your tax ‘well-being’
- Tax year-end reminders of the available allowances and tax-saving opportunities
- An annual Budget report summarising the Chancellor’s Budget announcements
- The Investor magazine, full of investment news, interviews and opinions
- Invitations to client events, webinars and specialist briefings
- Access to the E-briefing Service, providing topical financial news articles via email
Initial and ongoing advice charge:
We will discuss with you the initial and ongoing advice charges for our services. Our advice is not free. 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 advice charges will also be discussed with you and the specific amount charged will be provided on your personalised illustration.
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 depends on individual circumstances.
Accreditation
