We use a clear and transparent process to deliver consistent results for you and ensure you are fully engaged with, and in control of, your personal financial planning.

The 5-Stage Advice Cycle

1. Understand

   • What you need your money to do for you
   • How important this is and why  
   • What goals will help deliver the right outcomes

2. Analyse

   • Your existing financial arrangements
   • How suitable these are for achieving your goals
   • How they can be improved

3. Recommend

   • Improvements to financial arrangements, behaviours and thinking  
   • Specific product and investment contracts, with all risks and fees carefully explained and fully documented

4. Implement

   • Agreed solutions using the most suitable financial products and services provided (or approved) by St. James's Place
   • All advice is covered by the St. James's Place Advice Guarantee for your peace of mind

5. Manage

   • Your financial plan through regular calls and meetings
   • By regularly reviewing and amending your planning to reflect changes to goals or the financial planning and tax landscape

With this ongoing process, our clients always have a clear understanding of their finances and how they are using their hard-earned money to achieve their goals.

You can have peace of mind knowing that you have a personal plan, based on your main priorities. If, and when, anything changes, professional help is close at hand, from your Manta advisor who knows and understands you.

You can then live your life and enjoy your family and leisure time, knowing your financial planning needs are all supported and in safe hands.

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.