Mount Stuart Wealth Management, gets to know you and your goals to provide bespoke, focused, and specialist advice to help you on your financial journey.
How we work with you
Expert, tailored advice
You will receive high-quality, specialised advice crafted to suit your unique financial needs.
Personalised, face-to-face Meetings
We believe in building strong relationships, which is why we offer regular in-person consultations to ensure we're always aligned with your goals.
Proactive, ongoing Support
We don’t simply advise; we stay engaged, offering continuous, proactive advice to adapt to your evolving financial landscape.
Meeting 1: Understanding you and your goals
Our approach involves developing a comprehensive, actionable and strategic plan, turning your ideas into achievable goals while anticipating and preparing for future financial commitments.
Meeting 2: Tailored cashflow strategy
After gaining a clear understanding of your goals, objectives, and timelines, we will develop a personalised cashflow model tailored to your specific financial journey.
Meeting 3: Your complete wealth plan
Now that your cash flow plan matches your goals, we can start putting in place investment strategies designed for you. These steps will help secure your financial future.
Our advice is based on a full personal review, including:
Investment timeline: tailored to your financial goals.
Risk profile: your comfort with market ups and downs.
Loss ability: how much loss you can handle.
Tax planning: ensures transparency and suitability by clearly explaining each recommended investment. After finalising advice, you’ll receive a detailed report listing fees* per investment, how they’re set and paid, plus ongoing service fees for our support.
*Fees for Implementation: Should you choose to proceed with our recommended advice, the applicable charges will be due at the time of making the investment.
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.
What you can expect as our client
At the heart of our service is a commitment to regularly reviewing and refining your financial strategy to ensure it aligns with your evolving needs and objectives.
Each year, we will conduct a formal review of the following key areas:
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Changes in family, employment, or other life events. Any upcoming financial commitments or alterations to your financial circumstances.
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Ensuring your goals remain realistic and achievable.
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Reassessing your investment horizon in line with your objectives.
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.
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Evaluating your portfolio to ensure it remains well-balanced and aligned with your risk tolerance.
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.
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Identifying opportunities to optimise tax efficiency before the end of the tax year.
The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.
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Reassessing your comfort level and ability to handle market fluctuations.
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.
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Reviewing your progress towards retirement and future needs.
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Evaluating strategies for potential inheritance tax liabilities.
The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.
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Ensuring your strategy minimises exposure to capital gains tax.
The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.
Ongoing Support
In addition to our ongoing support meetings, you will always receive:
Tracked progress on agreed actions
Updates on your portfolio
Updates on important law changes
Opportunities to discuss any personal or financial updates
Stay ahead with timely updates on legislation and market shifts, paired with personalised advice tailored to your needs.
Help maximise your benefits with expert tax efficiency services covering tax-year allowances, pension lump sums, death benefits, pension carry forward, and the tapered annual allowance.
Gain a strategic edge with Capital Gains Tax and Inheritance Tax planning.
Enhance your knowledge through our events, seminars, and webinars.
Rely on continuous support whenever you need it between reviews.
Through St James’s Place, you gain access to updates on investment managers and products, a dedicated app for real-time valuations and performance tracking, as well as year-end and tax information for your accounts and Self-Assessment. Furthermore, we deliver market insights featuring expert commentary and investment opportunities.
The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.
*Fees for specific investment advice
Please note that fees may apply should you require specific advice or recommendations for making future investments.
Transparent charging you can rely on
We are committed to providing complete clarity on our charges, ensuring you understand the cost structure every time you make an investment.
Before proceeding with any new investments, we will walk you through our fees in detail, ensuring you are fully informed; there will be no surprises.
Our fees are clearly broken down into three simple, easy-to-understand categories, details of which can be found here; https://www.sjp.co.uk/individuals/charges