Private Clients
At the core of our Private Client service is an appreciation that our higher net worth clients often have a different set of motivations and ambitions. These can be far-reaching and complex, but always unique to you. Our proposition provides a bespoke service which aims to deliver added value now and in the future. By working together, we can put you in control of your financial future and remain on hand to provide advice and guidance in an ever-changing world.
We understand that our advice needs to be as individual as you are, designed to fit around your lifestyle, family life, and your business and professional interests. We want to build a lasting relationship with you and your loved ones and help to create your legacy.
Whatever your plans for yourself, your family, or your business, we aim to make a real difference to your life and those you care about most.
Maintaining your lifestyle
We appreciate growing and preserving capital is likely to be central to supporting the lifestyle you enjoy. We will create a portfolio designed to match your objectives and risk profile.
The SJP distinctive Investment Management Approach recognises that no single investment house has a monopoly of investment expertise. The St. James's Place Investment Committee, assisted by our in-house team of analysts and independent consultants, carefully selects several external managers of outstanding abilities to manage their range of funds. The managers are rigorously monitored and changed if the investment committee believe it is in the best interests of investors to do so.
For those seeking additional diversification or want a more active role in their investment strategy, Rowan Dartington, a wholly owned subsidiary of St. James's Place, can provide discretionary managed and stockbroking services which offer complementary, bespoke portfolio solutions.
We also offer access to a range of specialist investments for clients with estate and tax-planning requirements.
The value of an investment with Rowan Dartington or St. James's Place can go down as well as up. You may get back less than you invested.
Protecting your assets & family
It is only natural to want to protect what matters most to you. We work closely with you to understand your personal wishes and will support your family every step of the way.
Protecting your estate for the benefit of those closest to you often involves complex decisions and solutions, especially for individuals with substantial wealth and interests.
Should you wish to pass on your wealth whilst you still have the opportunity to see others benefit from it, we can provide expert advice on how wealth can be transferred to family members, or charitable causes, during your lifetime, whilst minimising the potential tax liabilities.
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.
Supporting your business
We recognise that building a business can be immensely rewarding, but that it can be hard to step away from the day-to-day. Working together we can help save you both time and money and provide the peace of mind to allow you to focus on the successful running of your business. Things we can help with include:
- Build a tax-efficient remuneration strategy that closely matches your objectives in the short, medium & long term.
- Undertake and in-depth review of your business and help implement a tailored insurance programme to protect the business from a wide range of risks
- Manage short-term cashflow analysis and suggest financing solutions for your business
- Prepare you for retirement and help reduce the hours you spend running the business.
When the time comes to sell or pass on your business, we can help you manage the unique challenges and responsibilities this brings. We will work closely with your professional advisers and guide you through each stage of the exit* process, allowing you to maintain the successful operation of your business.
In all cases preparation is key and together we can provide a bespoke solution that suits the needs and objectives of not only you, but your family and the business.
*Exit Strategies will include the referral to a service that is separate and distinct to those offered by St. James's Place.
