In order to provide bespoke financial planning we use a sophisticated lifetime cash flow planning software program that builds the vision of the future for our clients and establishes what is needed and when.
It compares what you have, to what you want. It also helps show a series of “What if’s” - so that we can compare various scenarios and agree a solution specifically to you. This is a dynamic tool and one which should be updated at least yearly to reflect changing circumstances, goals and plans.
We also use one of the foremost used analysis in the marketplace, this allows us to compare investments and pension fund performance.
Finally, when considering protection policies, we analyse the benefits of the various plans to ensure all policies are the most up to date and offer the greatest protection for their premium.
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.