Our business model

We give clients the confidence to create the futures they want.

How we deliver value

We work in partnership to plan, grow and protect clients’ financial futures, delivered by a team of highly skilled advisers within the St. James’s Place Partnership.

We operate a fee-based income model where we receive fees based on the level of client funds under management.

Underpinned by a risk-aware culture, an effective control environment, rigorous governance and a responsible business mindset.

Financial advice

Our advisers build long-term relationships with clients to understand their needs and ambitions, providing them with invaluable advice and building a holistic financial plan that keeps them on track for the future. With ongoing advice, our advisers review clients’ financial plans and help them to:

Plan for what matters – whether that’s a comfortable retirement, helping family, or protection from the unexpected.
Make more of their money – by matching clients’ investments to their goals.
Keep more of what they earn – by making full use of financial products and tax allowances.
Stay on track – when markets wobble or there’s Budget speculation, advisers remind clients why they’re investing and stop them making knee-jerk decisions.

40 %

of consumers who don’t invest say a lack of knowledge is a key barrier to investing¹

95 %

of people say that taking financial advice helps them stay on track²

93 %

of investors believe having a human to talk to is extremely important³

91 %

of people say financial advice they received was helpful in managing their money⁴

Long-term investment products

We offer a broad range of long-term investment products designed to support our clients throughout their financial journey. These enable our advisers to deliver comprehensive financial planning tailored to individual needs and life stages.

Our core product range:

Pensions

Designed to help clients build savings for retirement in a tax-efficient manner.

Investment bonds

A flexible investment option, often used as part of tax planning strategies.

Individual Savings Accounts (ISAs)

A simple and tax-efficient way to invest, with easy access and transfer options.

Unit trusts

Typically used within stocks and shares ISAs, or independently, for clients seeking medium- to long-term growth and income.

Access to our core products is exclusively available through SJP advisers, ensuring clients receive expert financial planning advice and invest in solutions that align with their long-term financial goals.

Investment management

We build investment solutions. As the main driver of both opportunity and risk, asset allocation is the cornerstone of our process. We then select who we consider to be the best investment managers from around the world, bringing together their expertise and our own to create our funds.

Our range of solutions:

Funds of funds - Polaris, Polaris Multi-Index & InRetirement

Client investment is made into a single fund which invests in other funds. These are ready-made packages of our most sophisticated investment thinking.
The funds are automatically rebalanced, ensuring that asset allocations remain aligned to the investment objective and the risk profile remains consistent.

Individual funds - Building blocks

Client investment goes into individual funds covering anything from UK stocks to global smaller companies.
Some use one manager, others several managers working together.
These can help target very specific investment goals or markets – on their own or as part of a portfolio.