SJP What is ongoing advice?

Ongoing financial advice means your St. James’s Place (SJP) adviser regularly reviews your financial plan to make sure it works for you. 

When you become a client of St. James’s Place, or one of our Partner firms, your adviser helps you create a plan for your money. This collaboration is based on your situation at the time, goals for the future, needs and attitude to risk.

As personal circumstances change, needs and attitudes to risk also shift. Look at the change of priorities that happens as children grow or marriages start, or end.

External circumstances, such as the economic climate, can also create uncertainty and the need to pivot expectations and plans. 

This is why regular reviews are key. This is ongoing advice.

Your financial adviser reviews your plan to make sure it’s still working for you. They check how your investments are performing, and whether you’re on track for the future you want.

Ongoing advice means you have someone to speak to whenever something unexpected happens, or you have a question about your finances.

“95% of people who receive ongoing professional advice say it helps them stay on track with their goals.”

Mark FitzPatrick,
Chief Executive Officer, St. James's Place


Source: On behalf of St. James’s Place, Opinium surveyed 8,000 UK adults nationwide between 22 July and 5 August 2025. Quotas and post-weighting were applied to the sample to make the dataset representative of the UK adult population.

SJP's approach offers the best of both worlds

Over a million clients trust us to help them navigate a complex turbulent world so they can live their lives with confidence, now and in the future.

SJP Partner Practices and their advisers guide clients through the choices that make this possible, supported by the scale and strength of SJP.

Personal advice
  • Accessible, collaborative relationship with a
    qualified professional
  • A clear view of where you are today and where
    you can go tomorrow
  • Guidance to confidently navigate changes in
    circumstances, global economics and
    regulations – year on year
  • Strategies to maximise use of tax allowances
    and products
  • Ideas for achieving more through opportunities
    that are otherwise hard to access or find on
    your own
  • Enduring relationship beyond individuals and
    across generations.
Backed by scale and expertise
  • FTSE 100 company with over £200 billion of
    funds under management
  • Expertise in finance, tax, investments,
    trusts and risk
  • A highly respected global investment strategy,
    including UK’s largest multi-asset fund range
  • Dedicated team safeguarding against cyber
    threats to keep your data and savings secure
  • A business committed to longevity – investing
    in expertise, training and technology
  • Safekeeping of investments through robust
    oversight and controls
  • Guaranteed suitability of advice on products
    and services provided by SJP group.

Trusts are not regulated by the Financial Conduct Authority.

St. James’s Place guarantees the suitability of advice given by members of the St. James’s Place Partnership when recommending any of the wealth management products and services available from companies in the group. More details of which are set out here.

Clients value our advice because they get:

A sense of wellbeing
  • Clarity and purpose that brings peace of mind
    and increased success
  • The satisfaction of seeing your wealth build
    towards achieving goals
  • More time for what matters, knowing your
    finances are future-ready
  • Keeping track through regular checkpoints
    and the SJP app
  • Confidence that your goals remain achievable,
    whatever life brings.
Better outcomes
  • Better decisions with qualified, specialist guidance
  • Growth through compounding at the right risk level
  • Performance oversight adapting to global change
  • Staying ahead of market and regulatory change
  • Strong governance and compliance oversight.




     

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.

Clients not receiving ongoing financial advice

If you’re not receiving ongoing advice from an SJP Partner, your money will remain invested. You’ll still pay your fund charge (for the management of your investments) and your product charge (for the administration of your account).

However, your SJP Partner is no longer reviewing your financial plan or making sure it is still suitable for you.  

If you are a client not receiving ongoing financial advice and want to make changes to your investments or take money out, just call 0800 027 1031. Our administration centre can support basic transactions such as fund switches and withdrawals but cannot provide financial advice. Without access to an adviser, any decisions you make will not be reviewed for suitability against your wider financial circumstances.

 

Do you want to know more about the value of advice?

There's more information about how financial advice can help here. If you have questions or would like us to help you find a local adviser to discuss ongoing advice, give us a call on 0800 027 1031.

SJP Approved 01/07/2026