Take control of your future

We’re here to help you reach your financial goals and achieve financial success.

A detailed financial plan also enables you to put arrangements in place to protect your loved ones and help the next generation too. Whatever your situation, we’ll guide you through the process of putting your financial plan in place and we’ll make sure it remains on track towards delivering the future you’re hoping for. 

When we talk to you about your financial future, cashflow modelling is one of the most powerful tools we use.

Using the latest technology, we show you how the decisions you do or don’t make today could affect your finances tomorrow. It’s a great way of explaining what your financial future could look like – and, more importantly, how it could help you enjoy the life you want to lead.

And once your financial plan is in place, we stay with you throughout your journey, keeping a careful eye on your financial circumstances and helping you make adjustments to help keep you on track.

Ways we can help

Cashflow planning

When thinking about your future financial goals, how can you be sure you’ll have enough money for everything you want to achieve? While life brings with it many uncertainties, cashflow planning is a powerful tool that helps forecast how much you’ll have in the future depending on what you do today – and, just as importantly, it shows the adjustments you may need to make along the way.

Investment planning

Investments are key to growing your wealth, and with enough time in the market, they can play a major role in achieving your goals. We’ll match your investment strategy to your circumstances and attitude to risk, and put together a plan designed to achieve the financial future you want.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

Retirement planning

Depending on your age, retirement may seem like a far-off prospect or a matter of pressing importance. Either way, we’ll clearly explain your options, put a robust plan in place, and keep you in touch with its progress as you head towards the retirement you’ve always hoped for.

ISAs and savings planning

Saving for the future is always a wise financial strategy, but knowing where to place your hard-earned money and when to move it can make a significant difference to how well your savings grow. Whether you have lump sums to save or you want to know the best place for regular deposits, we look at all your options as part of your strategic financial plan.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested. An investment in equities will not provide the security of capital associated with a deposit account with a bank or building society.

The favourable tax treatment given to ISAs may not be maintained in the future as they are subject to changes in legislation.

Inheritance tax planning

Creating an effective financial plan doesn’t only mean thinking about the money you might need during your life. We also discuss what will happen to your estate in the future, recommending tax efficient strategies to minimise the impact of inheritance tax and make sure your loved ones are able to benefit from your lifetime’s hard work in the ways you intend.

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

Estate planning

Planning what will happen to your pensions and assets when you die is an important part of designing your overall financial plan. We’ll talk you through all the options and help you focus on the many possibilities in order to ensure your strategy takes account of everything – from how your own social care needs may be paid for to the legacy you’ll eventually pass on.

Protection planning

Protection planning covers a range of solutions designed to help you protect yourself, your family and your assets from the impact of unexpected or unwelcome events. For instance, what would happen to your income if you were unable to work due to illness or life-changing injury? We’ll help identify the protection you need, and build this valuable peace of mind into your strategic financial plan.

Pension Planning

Many people acquire a number of pensions during their working life, and if they aren’t reviewed regularly, it may be that the pension pots aren’t all performing as well as they could be. We can review your existing pension pots, and help you decide on the most financially beneficial course of action depending on the types of pensions you have.


There are a number of reasons why setting up a trust might be a course of action you want to take. For instance, you may wish to pass assets on to a dependent child for use when they’re older, or you might be advised to use a trust as part of your inheritance tax planning. Whatever the reason, we can help you consider the benefits and, if necessary, guide you through the process of setting one up.

Please note that specialist advice relating to trusts will necessitate the referral to services that are separate and distinct to those offered by Hartford Wealth or St. James’s Place. Trusts are not regulated by the Financial Conduct Authority.

Access to Specialist Banking and Mortgages

From helping you find the right place to keep your cash to choosing a competitive mortgage, we’ll help you navigate the options available and make the best use of your funds. Everyone’s needs are different, and with so many possibilities, it pays to take the advice of an expert before you make any decisions.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Through St. James’s Place we are able to introduce you to selected banking services, whose services are separate and distinct to those offered by St. James’s Place.

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Our team are ready to help you plan your financial future.