I appreciate that your financial situation is unique. I do not believe in off the peg†financial solutions; hence I specialise in providing individually tailored face-to-face advice. Working closely with my clients to obtain an in-depth understanding of their personal finances and forming a relationship built on trust is important to me. 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.