A C O M P R E H E N S I V E R A N G E O F S O L U T I O N S

Managing wealth presents many common challenges. However, at the core of the St. James’s Place Proposition for Private Clients is an appreciation that higher-net-worth clients often have a different set of motivations and ambitions. With the special character of these needs, the Private Client Division understands the importance of the relationship between Partner and client. Utilising the services offered by the division, we believe the Partner/client relationship can be enhanced to help meet each client’s financial goals.

Our service brings together a comprehensive range of solutions to address the four key areas of effective wealth planning:

• Maintaining lifestyle

• Protecting assets and family estates

• Pursuing philanthropic aims

• Supporting business and professional interests

As a private client, your key relationship remains with your Partner, but you also have exclusive access to specialist advice teams. These bring together highly experienced financial planners, investment and pension specialists, banking advisers and experts in tax and legal matters. The work is closely aligned with your Partner to provide an exceptional service.

Our Proposition for Private Clients provides a bespoke service, as befits the requirements of our private clients, to deliver added value now and in the future. By working together, your Partner and relevant experts are able to put you in control of your financial future; always being on hand for advice and guidance that can make all the difference in an uncertain world.

Overleaf you will see the breadth and depth of the St. James’s Place Proposition for Private Clients.

PARTNERS IN MANAGING YOUR WEALTH

INVESTMENTS

PHIL

AN

THR

OPY

ALTERNATIVE INVESTM

ENTS**

INVESTM

ENT-B

AC

KED

LEND

ING

*

PRIVATE B

AN

KIN

G A

NDLE

GA

L SE

RVIC

ES*

ESTATE ADMIN

ISTRATION*

CASH MANAGEMENT & FOREIGN EXCHANGE*

TAX SERVICES*

DISCRETIONARY FUND MANAGEMENT

PRO

TECTIO

N

C O R E P RO P O S I T I O N

FO

R P R I VAT E C L IE

NT

S

OU

R PROPOSITION

PROFESSIONAL

SE

RVICES PRIVATE CLIENT

BANKIN

G

S T. J A M E S ’ S P L A C E P R I VA T E C L I E N T S O U R P R O P O S I T I O N

Rowan Dartington

Advisory stockbroking, Share Exchange Service,

Sell-Down Service, Capital Gains Service, charitable

investments, ethical and environmental portfolios, company Sharesave

portfolios, probate valuation service

MASECO*

Tax, investment and estate planning for:citizens with dual nationality, UK citizens

moving to the USA, and US citizensresiding in the UK

Cha

riti

es A

id

Foun

dati

on*

Esta

blish

ing

char

itabl

e

trus

ts, f

acili

tatin

g ch

arita

ble

lega

cies

, phi

lant

hrop

ic a

dvic

e

and

tax-

effici

ent g

iftin

g

Pane

l firm

s

Brod

ies,

Cla

rke W

illm

ott,

Cle

aver

Ful

ton

Rank

in,

Edw

in C

oe, L

inde

r Mye

rs S

olic

itors

,

Pavi

lion

Row

Non

-pan

el fi

rms

New

Qua

dran

t Par

tner

s, Ta

ylor

Wes

sing

Wea

lth an

d fa

mily

pro

tect

ion

stru

ctur

ing,

com

plex

Will

dra

fting

,

besp

oke

trus

ts, f

amily

inve

stm

ent

com

pani

es, l

astin

g po

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s of

atto

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, pro

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serv

ices

,

non-

dom

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advi

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x pl

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ng

Flagstone

Online-only cash management service;

maximise FSCS protection; £, € and $

denominations for individuals, companies,

trustees and charities; 20 provider banks

with competitive ratesTorFX

Monex Europe

Competitive foreign

exchange services for both

personal and corporate

transactions

FUND MANAGERS FUND MANAGERS

INVESTMENT CONSULTANTS

* Please note that this will require referral to a service that is separate and distinct from those offered by St. James’s Place.

Weatherbys

Cater A

llen

Ham

pden & C

o

Arbuthnot Latham

Full Private Banking Services offering

deposit accounts, foreign currency

accounts and mortgages, including

intergenerational and

comm

ercial lending services

Metro B

ank

Credit Suisse

Short-term liquidity facilities,

secured against clients’

investment portfolios,

with both onshore and

offshore capabilities

Panel firmsKingston Smith, EY

Non-panel firmsSaffery ChampnessBlick Rothenberg

UK and cross-bordertax planning and advice,

corporate advice, VAT advice,Inheritance Tax strategies and

full compliance services

Genus Trust C

ompany

Excluded propert

y trusts,

foundations,

offshore str

ucture

review

s,

offshore tru

sts and

corporate s

tructu

res

Kings Court T

rust

Professio

nal esta

te

administratio

n and

probate se

rvices

Personal, corporate

and specialist

insurance solutions

Life assurance, critical illness

cover, income protection,

accident and sickness cover,

private medical insurance

and employee benefits Pre- and

post-retirement

planning

Retirement Account,

automatic enrolment options,

SIPP and Trustee Investment Account

Investment solutions

ISA, Junior ISA, Unit Trust, Investment

Bond, International Investment Bond, Fund

Administration Bond, Portfolio Administration

Bond, International Regular Investment Bond

and Spanish International Investment Bond

Tax-advantaged

investments

Venture Capital

Trusts

(VCTs)

Enterprise

Investm

ent Schem

es

(EISs)

Business

Relief sc

hemes

Tax-efficie

nt inves

tment p

lanning a

nd

Inheritan

ce Tax plan

ning solutio

ns

Hedge funds

Managed Fund of H

edge Funds S

olution

The value of an investment with St. James’s Place will be dependent on the funds selected and may fall as well as rise. You may get back less

than the amount you invested. The levels and bases of taxation, and reliefs from taxation, can change at any time

and are dependent on individual circumstances.**Investors must be willing to accept a high level of investment risk – as the investments

are made in small companies, some may not perform as well as the investor may hope, or may fail completely. An investor may not get back the amount invested. Furthermore, these types

of investment are typically illiquid and investors must be aware that they may have difficulty, or may be unable to realise their shares at levels close to that which reflect the value of the underlying assets.

The value of an investment with Rowan Dartington may fall as well as rise. You may get back less than the amount you invested.

The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.Members of the St. James’s Place Partnership in the UK represent St. James’s Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority.

St. James’s Place Wealth Management plc Registered Office: St. James’s Place House, 1 Tetbury Road, Cirencester, Gloucestershire, GL7 1FP.Registered in England Number 4113955.

SJP10135 V8 (07/19)

CONTACT DETAILS:Please contact your St. James’s Place Partner for more information.

FUND MANAGERS

EMPLOYEE BENEFITS

PENSIONS

INDIVIDUAL LIFE & HEALTH PROTECTION TAX-ADVANTAGED INVESTMENTS

WHOLE OF LIFE PROTECTION

PRIVATE MEDICAL INSURANCE

• Aviva • Medicash

• AXA PPP • VitalityHealth

• Bupa • WPA

• AIG • Unum

• Aviva • Zurich

• Canada Life

PENSION ANNUITIES

LEGAL SERVICES*

MORTGAGE LENDERS This is a selection of those available

• Barclays • Nationwide

• Halifax • Santander

• HSBC • Virgin Money

*Please note that these services are separate and distinct from those offered by St. James’s Place.

This document was correct as at 25 June 2019 and is updated biannually. Trusts, LPAs and Wills are not regulated by the Financial Conduct Authority.

• Aegon • Royal London

• Aviva • Scottish Widows

• Curtis Banks • The People’s Pension

• NEST

• Aegon • Legal & General

• AIG • LV=

• Aviva • Royal London

• British Friendly • The Exeter

• Cirencester Friendly • VitalityLife

• Guardian • Zurich

• AIG • Royal London

• Aviva • VitalityLife

• Canada Life International • Zurich

• Legal & General

• Aristotle • EdgePoint • Magellan • Sands Capital

• Artemis • First State Stewart Asia • Majedie • Schroders

• Artisan Partners • GMO • Manulife • Select Equity

• AXA Investment Managers • Impax • MidOcean • State Street

• BlackRock • Invesco Perpetual • Nippon • TwentyFour

• BlueBay • Janus Henderson Investors • Oaktree • Wasatch

• Brigade • Jennison Associates • Orchard Street • Wellington Management

• Burgundy • J O Hambro • Paradice

• Capital Four • KKR • Payden & Rygel

• Columbia Threadneedle • Loomis Sayles • RWC

IMMEDIATE NEEDSANNUITIES

TAX SERVICES*

• Aviva • EY

• Just • Kingston Smith

• Legal & General

• Brodies • Kings Court Trust

• Clarke Willmott • Linder Myers Solicitors

• Cleaver Fulton Rankin • Pavilion Row

• Edwin Coe

DISCRETIONARY FUND MANAGEMENT

SPECIALIST GENERAL INSURANCE

• Miller Insurance Services* • Rowan Dartington

• Paymentshield • MASECO*

• Select & Protect

• Stackhouse Poland*

• Aviva • Legal & General

• Canada Life • MorganAsh

• Just

The panel is subject to change as managers open and close fundraising activity throughout the year.

SPECIALIST BANKING AND LENDING SERVICES*

• Credit Suisse • Monex Europe

• Flagstone • TorFX

• Metro Bank

PRIVATE BANKING SERVICES*

• Arbuthnot Latham • Hampden & Co

• Cater Allen • Weatherbys

TRUSTEE SERVICES

• Genus Trust Company

• Beringea • Ingenious

• Close Brothers • MMC Ventures

• Downing • Oakley Capital

• Draper Esprit • Octopus Investments

• Edition Capital • Parkwalk

• Foresight • TIME Investments

• Guinness • Triple Point