A most important point to bear in mind is that the St. James's Place Wealth Management Group guarantees the suitability of the advice I give when recommending any of the wealth management products and services available from companies in the group, which provides my customers with great peace of mind. 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.