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MENUHomeAbout usAbout SJPNewsAdvice and servicesSpecialist adviceContactMeet the teamTestimonialsInvestment Management ApproachAwardsSt. James's Place Charitable FoundationInsightsInvestment planningRetirement planningProtection planningCorporate servicesMortgages and specialist bankingExploring intergenerational wealth managementOther servicesCalculatorsEntrepreneur ClubBusiness ownersSenior corporate executivesCompany directorsCity professionalsAdvice in retirementPrivate clientsFinancial wellbeing specialistHomeAboutAbout us Rose Associates Financial Planning Ltd was established in 2017, providing expert financial advice and putting clients firmly at the centre of everything we do. We specialise in meeting the financial needs of both individuals and businesses and pride ourselves on building solid and long-lasting relationships with our clients. As a Partner Practice of St. James's Place, you will access a distinctive investment management approach. MORE ABOUT USWe provide a wide range of services whether you are looking to build, grow, protect or preserve your wealth.Meet the TeamWe build personal, long-term relationships – putting you at the heart of everything we do. Learn more about our knowledge and experience.Read moreTestimonialsRead some of the feedback received from clients over the years.Read moreNewsRead some of our latest news.Read moreCopyright St. James's Place © 2025Quick linksHomeAbout usAbout SJPAdvice and servicesSpecialist adviceContactGet in touchContact usConnectPrivacy policySite disclaimerTerms and conditionsAccessibilityCopyright St. James's Place © 2025

MENUHomeAbout usAbout SJPNewsAdvice and servicesSpecialist adviceContactMeet the teamTestimonialsInvestment Management ApproachAwardsSt. James's Place Charitable FoundationInsightsInvestment planningRetirement planningProtection planningCorporate servicesMortgages and specialist bankingExploring intergenerational wealth managementOther servicesCalculatorsEntrepreneur ClubBusiness ownersSenior corporate executivesCompany directorsCity professionalsAdvice in retirementPrivate clientsFinancial wellbeing specialistHomeContactContact usPlease feel free to contact us on the details below with any financial queries or concerns which you may have.Arrange meetingMake enquiryRequest callbackThe Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website www.sjp.co.uk/products. The ‘St. James's Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James's Place representatives.Rose Associates Financial Planning Ltd is registered in England and Wales, Number 11519471. Registered Office: 48 Darlinghurst Grove, Leigh-On-Sea, SS9 3LG.Copyright St. James's Place © 2025Quick linksHomeAbout usAbout SJPAdvice and servicesSpecialist adviceContactGet in touchContact usConnectPrivacy policySite disclaimerTerms and conditionsAccessibilityCopyright St. James's Place © 2025

MENUHomeAbout usAbout SJPNewsAdvice and servicesSpecialist adviceContactMeet the teamTestimonialsInvestment Management ApproachAwardsSt. James's Place Charitable FoundationInsightsInvestment planningRetirement planningProtection planningCorporate servicesMortgages and specialist bankingExploring intergenerational wealth managementOther servicesCalculatorsEntrepreneur ClubBusiness ownersSenior corporate executivesCompany directorsCity professionalsAdvice in retirementPrivate clientsFinancial wellbeing specialistHomeAboutSt. James's Place Charitable FoundationWe have a responsibility to use our influence and our money to make a lasting difference. Money has the power to change lives. But money doesn’t change the world. People do. The St. James's Place Charitable Foundation has been supporting those in need since 1992. We aim to make a positive and lasting difference to people’s lives by awarding grants to small and medium charities, supporting the incredible work they do in their communities every day. The Charitable Foundation has raised over £139 million so far, supporting millions of people across the world. We believe everybody should prosper, not just the wealthy few. Established in 1992, the Charitable Foundation is a large corporate foundation. It supports the in the following areas through it's grant-making: Helping children and young people who have a physical or learning disability or are disadvantaged Hospices Cancer support charities Mental Health The range of grant programmes reach out to smaller charities; ones which aren’t necessarily in the public eye but provide vital services in their communities. The SJP community of employees and advisers take part in a wide range of fundraising activities throughout the year. Around 80% of our employees and Partners make a regular monthly gift to the Foundation. Every pound raised is matched by St. James's Place - with the company donating over £4.6m to the Charitable Foundation in 2024. The Charitable Foundation’s impact is far reaching and enables long-term positive change for the charities and the people it supports: Over the past 30 years it has granted millions of pounds to charities, with £8.8 million being awarded in 2024 alone. It provides funding and support to over 800 charities every year – with approximately 85% of funding going to charities in the UK and 15% overseas. 5 million people have been directly supported and 8 million indirectly. In the past, the Foundation has paid the salary of a youth worker supporting disadvantaged young people and helped to build a specialist hydrotherapy pool for children with severe disabilities. We’ve been able to support another 7.7 million people indirectly too. For more information on the St. James's Place Charitable Foundation and to find out how to apply for a grant please visit the St. James's Place Charitable Foundation website. Registered Charity Number 1144606 *Association of Charitable Foundations: Foundations Giving Trends Report 2022Copyright St. James's Place © 2025Quick linksHomeAbout usAbout SJPAdvice and servicesSpecialist adviceContactGet in touchContact usConnectPrivacy policySite disclaimerTerms and conditionsAccessibilityCopyright St. James's Place © 2025

MENUHomeAbout usAbout SJPNewsAdvice and servicesSpecialist adviceContactMeet the teamTestimonialsInvestment Management ApproachAwardsSt. James's Place Charitable FoundationInsightsInvestment planningRetirement planningProtection planningCorporate servicesMortgages and specialist bankingExploring intergenerational wealth managementOther servicesCalculatorsEntrepreneur ClubBusiness ownersSenior corporate executivesCompany directorsCity professionalsAdvice in retirementPrivate clientsFinancial wellbeing specialistHomeAboutSt. James's Place awardsWe’re pleased to have won numerous awards over the years, voted for by industry experts and the public. While it’s not all about awards, it is nice to be recognised for doing a good job. 2025 Communication and Education Award - Winner ​- Better Society Awards 2025 Wealth Management Company of the Year - Winner - City of London Wealth Management Awards 2025 Customer Relationship Excellence - Winner - Financial Services Eagles Awards 2025 Innovation in Customer Service in Financial Services - Bronze Winner​ - The Stevie Awards 2025 Achievement in Customer-Centric Culture - Silver Winner - Globee Awards for Customer Excellence 2025 Wealth Management - Winner - Gramercy Institute of Financial Marketing Strategy Awards 2025 SJP & Sky Arts - Best TV Sponsorship - Winner - UK Sponsorship Awards 2025 2024 Good Money Award - Winner - Better Society Awards 2024 Gold Achievement in Customer Experience – Financial Services - Winner - The Stevie Awards for Sales & Customer Service Bronze Achievement in Customer Service – Financial Services - The Stevie Awards for Sales & Customer Service Organisation of the Year - Winner - Excellence in Customer Service Award 2024 Customer Care - Winner/Gold Award - The International CSR Excellence Awards 2024 International CSR Excellence: Champion of Champions 2024 - The International CSR Excellence Awards 2024 Community Commitment - National Champion - The International CSE Excellence Awards 2024 Best Financial Adviser - Winner - The Personal Finance Awards 2024/25 Best Investment ISA - Highly Commended - The Personal Finance Awards 2024/25 Placed in Top 100 Advisers - FT Financial Adviser Forum 2024 2023 Good Money Award – Better Society Awards 2023 Wealth Management Company of the Year – City of London Wealth Management Awards 2023 Best Advisory Service - Online Money Awards Consumer Champion of the Year - Company - MoneyAge Awards 2022 Wealth Management Company of the Year – City of London Wealth Management Awards 2022 Financial Advisory Firm of the Year – Awarded Bronze – Citywealth Magic Circle Awards 2022 Best Advisory Service – Online Money Awards 2022 Best Customer-Centric Culture – Large Company – Awarded Silver – UK Customer Experience Awards 2022 Global Good Company of the Year – Awarded Gold – The Global Good Awards 2022 Best Financial Adviser – Personal Finance Awards 22/23 Best Customer Service – Shares Awards 2022 2021 Wealth Manager of the Year – Growth Investor Awards Best Advisory Service – Online Personal Wealth Awards Best Wealth Manager – Shares Awards Best Financial Adviser – Personal Finance Awards 2020 Best Wealth Manager – Shares Awards Championing LGBTQ Inclusion - Financial Adviser Diversity in Finance Awards Wealth Management Company of the Year – City of London Wealth Management Awards Best Advisory Service – Online Personal Wealth Awards 2019 Best Financial Adviser – Personal Finance Awards Best Wealth Manager – Shares Awards Wealth Management Company of the Year – City of London Wealth Management Awards Best Wealth Planning Team – Wealth Adviser Awards Best High Net Worth Team – Wealth Adviser Awards Best Wealth Manager Growth Portfolio – Wealth Adviser Awards 2018 Best Financial Adviser - Personal Finance Awards Best Wealth Manager – Shares Awards Wealth Management Company of the Year – City of London Wealth Management Awards Outstanding Accomplishment – City of London Wealth Management Awards Best Private Client Investment Manager – Wealth Adviser Awards Best Wealth Planning Team – Wealth Adviser Awards 2017 Best Financial Adviser – Personal Finance Awards Best Wealth Manager – Shares Awards Wealth Management Company of the Year – City of London Wealth Management Awards Best Private Client Investment Manager - Wealth Adviser Awards Copyright St. James's Place © 2025Quick linksHomeAbout usAbout SJPAdvice and servicesSpecialist adviceContactGet in touchContact usConnectPrivacy policySite disclaimerTerms and conditionsAccessibilityCopyright St. James's Place © 2025

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specialistHomeAboutInvestment Management ApproachSt. James's Place builds investment solutions. As the main driver of both opportunity and risk, asset allocation is the cornerstone of its process. SJP selects, who it considers to be the best investment managers from around the world, bringing together their expertise alongside its own to create the SJP fund range.What SJP do: Design portfolios suitable for clients’ long-term objectives Decide which asset classes to invest in over time Select the strategies and managers to populate our portfolios Adhere to a strong, robust and repeatable process This creates our range of solutionsFunds of FundsPolaris & InRetirement Client investment is made into a single fund which invests in other funds. These are ready-made packages of SJP's most sophisticated investment thinking. The risk profile remains consistent, as the funds are automatically rebalanced. PortfoliosGrowth Client investment is made directly into a selection of individual funds. The risk profile may change over time, as the portfolios are not automatically rebalanced. Individual funds (Building blocks) Each is managed according to a specific objective, region or asset class, including multi-asset. Such funds can be run by a single manager or multiple managers. Asset Allocation + Select-Monitor-Change = Portfolio ConstructionAsset Allocation and 'Select-Monitor-Change' are at the heart of SJP’s investment process. SJP constructs portfolios using a combination of asset allocation and select-monitor-change.Asset AllocationOpportunity – and risk – comes from in what and where we invest. Short-term events and noise can distract. This is why SJP takes a longer view of markets, formed by many factors, led by valuations. Factors assessed include: Valuations - Is there a dislocation between the price of an asset and its fundamental value? Fundamentals - What typically influences the performance of a specific area of the market? Economic environment - How may the economy impact asset class returns? Now and going forward. Behavioural flags - What effect does sentiment/trends have on markets and prices. Tail risks - What impact - and on what - would major events such as pandemics, wars or banking crises have? Select - Monitor - ChangeAt SJP, external managers are selected from around the world. Thousands of investment groups are continually researched and monitored, and hundreds of hours are involved in an extensive due diligence process. Significant emphasis is placed on the investment philosophy, process, people and culture of the firms selected. And where SJP feels it is in the clients’ best interests, managers will be changed.All of SJP’s funds and solutions are built using a set of core principlesThese are the foundations on which all investment decisions are made.Client focusMeeting client goals is the cornerstone of everything we do.Active viewsEvidence-based, active decisions can improve client outcomes.DiversificationProviding exposure to different asset classes and strategies improves portfolio outcomes.DisciplineUnderstanding and managing behaviour is critical to long-term investment success.The SJP Investment CommitteeSJP’s Investment Committee is made up of industry experts - internal and external. This committee is responsible for setting the policies and parameters, within which the investment team can make informed decisions. 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. Responsible investingWe know that many of our clients want their money invested responsibly, even if preserving and growing capital, or generating income, might be their primary aims. We take this priority seriously, not least though integrating environmental, social and governance (ESG) factors into our investment process.Read moreCopyright St. James's Place © 2025Quick linksHomeAbout usAbout SJPAdvice and servicesSpecialist adviceContactGet in touchContact usConnectPrivacy policySite disclaimerTerms and conditionsAccessibilityCopyright St. James's Place © 2025

MENUHomeAbout usAbout SJPNewsAdvice and servicesSpecialist adviceContactMeet the teamTestimonialsInvestment Management ApproachAwardsSt. James's Place Charitable FoundationInsightsInvestment planningRetirement planningProtection planningCorporate servicesMortgages and specialist bankingExploring intergenerational wealth managementOther servicesCalculatorsEntrepreneur ClubBusiness ownersSenior corporate executivesCompany directorsCity professionalsAdvice in retirementPrivate clientsFinancial wellbeing specialistHomeAboutTestimonialsTestimonialsRead some of the feedback received from clients.Robert is a consummate professional with regard to my financial future. His sound knowledge and experience of financial matters gives me much confidence in his ability to steer and plan my futureAnonymousRobert provided a phenomenal service and fast turnaround. His advice was exceptional and he understood my needs perfectly; making a difficult time in my life easier. I would thoroughly recommend him.Scott Homewood-Maddy | HR Manager, Langdon HillsCopyright St. James's Place © 2025Quick linksHomeAbout usAbout SJPAdvice and servicesSpecialist adviceContactGet in touchContact usConnectPrivacy policySite disclaimerTerms and conditionsAccessibilityCopyright St. James's Place © 2025

MENUHomeAbout usAbout SJPNewsAdvice and servicesSpecialist adviceContactMeet the teamTestimonialsInvestment Management ApproachAwardsSt. James's Place Charitable FoundationInsightsInvestment planningRetirement planningProtection planningCorporate servicesMortgages and specialist bankingExploring intergenerational wealth managementOther servicesCalculatorsEntrepreneur ClubBusiness ownersSenior corporate executivesCompany directorsCity professionalsAdvice in retirementPrivate clientsFinancial wellbeing specialistMeet the teamPlease use the links below to learn more about the team.Copyright St. James's Place © 2025Quick linksHomeAbout usAbout SJPAdvice and servicesSpecialist adviceContactGet in touchContact usConnectPrivacy policySite disclaimerTerms and conditionsAccessibilityCopyright St. James's Place © 2025

MENUHomeAbout usAbout SJPNewsAdvice and servicesSpecialist adviceContactMeet the teamTestimonialsInvestment Management ApproachAwardsSt. James's Place Charitable FoundationInsightsInvestment planningRetirement planningProtection planningCorporate servicesMortgages and specialist bankingExploring intergenerational wealth managementOther servicesCalculatorsEntrepreneur ClubBusiness ownersSenior corporate executivesCompany directorsCity professionalsAdvice in retirementPrivate clientsFinancial wellbeing specialistHomeContactContact usPlease feel free to contact us on the details below with any financial queries or concerns which you may have.Arrange meetingMake enquiryRequest callbackThe Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website www.sjp.co.uk/products. The ‘St. James's Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James's Place representatives.Rose Associates Financial Planning Ltd is registered in England and Wales, Number 11519471. Registered Office: 48 Darlinghurst Grove, Leigh-On-Sea, SS9 3LG.Copyright St. James's Place © 2025Quick linksHomeAbout usAbout SJPAdvice and servicesSpecialist adviceContactGet in touchContact usConnectPrivacy policySite disclaimerTerms and conditionsAccessibilityCopyright St. James's Place © 2025

MENUHomeAbout usAbout SJPNewsAdvice and servicesSpecialist adviceContactMeet the teamTestimonialsInvestment Management ApproachAwardsSt. James's Place Charitable FoundationInsightsInvestment planningRetirement planningProtection planningCorporate servicesMortgages and specialist bankingExploring intergenerational wealth managementOther servicesCalculatorsEntrepreneur ClubBusiness ownersSenior corporate executivesCompany directorsCity professionalsAdvice in retirementPrivate clientsFinancial wellbeing specialistHomeAboutAbout St. James's PlaceSt. James's Place (SJP) is one of the UK’s largest financial advice companies. They were founded in 1991 and started trading in 1992. Today they are trusted by over 1,000,000 clients to look after over £198.5bn1 of their money. Our business is part of SJP’s network of financial advisers, also known as the Partnership, which is one of the largest groups of accredited and Chartered advisers in the country. We own and run our business, but the products and services we recommend to you are created and managed by St. James's Place. Put simply: we give you one-to-one financial advice, and the products and services you invest in are looked after by St. James's Place. The benefits of working with us and, by extension, St. James's Place You have our undivided attention One of the reasons we chose to work with St. James's Place is that it allows us to focus our time on you, our clients, and the advice that we provide to help you achieve your goals. We don’t have to worry about managing products, reviewing fund managers or whether a form needs updating. St. James's Place handle all of that. Instead, we can dedicate our time to creating a financial plan that’s right for you and your family, helping you stick to it and guiding you through life's inevitable ups and downs. SJP’s investment management approach St. James's Place recognises that no single investment house has a monopoly on investment expertise, so they don’t employ in-house investment managers. Instead, they carefully select a number of external managers to manage their range of funds. Find out more here. Access to experts To help us build and execute your financial plan, we have access to a wide range of support through the St. James's Place group. Whether that’s the best and brightest tax specialists, SJP product experts or dedicated third-party support teams, our team is backed up by some of the top financial services professionals in the industry. Size and scale By investing through us with St. James's Place, your money is joining over over £190.2bn1 of other clients’ investments that SJP look after. This gives them real power to use on your behalf, whether that’s negotiating fund manager fees, engaging with companies on their ESG credentials or talking to policy makers about the rules and regulations that affect your finances. 1 Data correct as at 30 June 2025. The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.More about St. James's PlaceSt. James's Place Investment Management ApproachSt. James's Place select first-class managers from the global investment market to manage our funds.Read moreSt. James's Place Charitable FoundationThe Foundation is the charitable arm of the St. James's Place Group.Read moreSt. James's Place awardsSt. James's Place are pleased to have won numerous awards over the years, voted for by industry experts and the public.Read moreSt. James's Place GuaranteeSt. James's Place guarantees the suitability of the advice given by members of the St. James's Place Partnership when recommending any of the wealth management products and services available from companies in the group, more details of which are set out on the Group's website.Copyright St. James's Place © 2025Quick linksHomeAbout usAbout SJPAdvice and servicesSpecialist adviceContactGet in touchContact usConnectPrivacy policySite disclaimerTerms and conditionsAccessibilityCopyright St. James's Place © 2025

MENUHomeAbout usAbout SJPNewsAdvice and servicesSpecialist adviceContactMeet the teamTestimonialsInvestment Management ApproachAwardsSt. James's Place Charitable FoundationInsightsInvestment planningRetirement planningProtection planningCorporate servicesMortgages and specialist bankingExploring intergenerational wealth managementOther servicesCalculatorsEntrepreneur ClubBusiness ownersSenior corporate executivesCompany directorsCity professionalsAdvice in retirementPrivate clientsFinancial wellbeing specialistHomeAboutAbout us Rose Associates Financial Planning Ltd was established in 2017, providing expert financial advice and putting clients firmly at the centre of everything we do. We specialise in meeting the financial needs of both individuals and businesses and pride ourselves on building solid and long-lasting relationships with our clients. As a Partner Practice of St. James's Place, you will access a distinctive investment management approach. MORE ABOUT USWe provide a wide range of services whether you are looking to build, grow, protect or preserve your wealth.Meet the TeamWe build personal, long-term relationships – putting you at the heart of everything we do. Learn more about our knowledge and experience.Read moreTestimonialsRead some of the feedback received from clients over the years.Read moreNewsRead some of our latest news.Read moreCopyright St. James's Place © 2025Quick linksHomeAbout usAbout SJPAdvice and servicesSpecialist adviceContactGet in touchContact usConnectPrivacy policySite disclaimerTerms and conditionsAccessibilityCopyright St. James's Place © 2025

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What we doWe provide a wide range of services whether you are looking to build, grow, protect or preserve your wealth.About usWe pride ourselves on building long-term relationships with clients.Read moreAdvice and services We specialise in providing high quality advice on many aspects of wealth management, working with you to help you achieve your financial goals. Find out moreContact usPlease get in touch to discuss your financial requirements in more detail.Get in touchPromotionsItem 1 of 2TestimonialsItem 1 of 2 PreviousRobert provided a phenomenal service and fast turnaround. His advice was exceptional and he understood my needs perfectly; making a difficult time in my life easier. I would thoroughly recommend him.Scott Homewood-Maddy| HR Manager, Langdon HillsRobert is a consummate professional with regard to my financial future. His sound knowledge and experience of financial matters gives me much confidence in his ability to steer and plan my futureAnonymousRobert provided a phenomenal service and fast turnaround. His advice was exceptional and he understood my needs perfectly; making a difficult time in my life easier. I would thoroughly recommend him.Scott Homewood-Maddy| HR Manager, Langdon HillsRobert is a consummate professional with regard to my financial future. His sound knowledge and experience of financial matters gives me much confidence in his ability to steer and plan my futureAnonymousRobert provided a phenomenal service and fast turnaround. His advice was exceptional and he understood my needs perfectly; making a difficult time in my life easier. I would thoroughly recommend him.Scott Homewood-Maddy| HR Manager, Langdon Hills NextPrevious 12 NextSJP Approved 25/02/2025The Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website www.sjp.co.uk/products. The ‘St. James's Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James's Place representatives.Rose Associates Financial Planning Ltd is registered in England and Wales, Number 11519471. Registered Office: 48 Darlinghurst Grove, Leigh-On-Sea, SS9 3LG.Copyright St. James's Place © 2025Quick linksHomeAbout usAbout SJPAdvice and servicesSpecialist adviceContactGet in touchContact usConnectPrivacy policySite disclaimerTerms and conditionsAccessibilityCopyright St. James's Place © 2025