ST. JAMES'S PLACE WEALTH MANAGEMENT

St. James’s Place Plc is an FTSE 100 company with over £85 billion of client funds under management. St. James’s Place specialises in the provision of highly personalised, face-to-face wealth management services to individuals, families, trustees, and businesses. We believe we are excellently positioned in the wealth management market because of the strength, depth and experience of our dedicated adviser team – the St. James’s Place Partnership – and our distinctive approach to invest... ment management. Putting clients firmly at the centre of everything we do is core to the St. James’s Place culture. This enables St. James’s Place to run a genuinely client-focused business based on building long-term relationships founded on mutual respect. We recognise that all our clients have individual objectives, so our holistic advice is tailored to reflect personal circumstances. Our award-winning wealth management advice service is delivered exclusively by St. James’s Place Partners, who are collectively referred to as the St. James’s Place Partnership. They comprise of some of the most experienced and able professionals working in wealth management today. Whilst all Partners are experienced financial advisers, some have expertise in specific and highly technical areas. Partners will consult with, and if necessary introduce, a specialist colleague if circumstances require additional expertise. Partners often work alongside other professional advisers too, providing a complementary service and a fresh perspective. To complement and enhance St. James’s Place’s own range of financial solutions, which includes exclusive access to our investment management approach, clients also have access to carefully selected external providers, whose quality we constantly assess. St. James’s Place provides a broad range of funds and expert advice to help you build an appropriate portfolio to enhance your wealth and protect it against inflation. We can also help to arrange your investments as tax-efficiently as possible, whether for you, your family or other beneficiaries. In addition, we offer discretionary portfolio management, which can include your equity, trust and charity interests, and a stockbroking service. 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. While making plans for a long and prosperous retirement is likely to involve investment in pensions, the range of strategies has never been wider. With us now generally living longer, knowing how to take advantage of the opportunities available is vital, making St. James’s Place advice important to both private individuals and business owners. St. James’s Place provides a range of family-oriented products and services, enabling families to work together to support each other across the generations. Whether clients would like to help younger family members on to the housing ladder, contribute to a grandchild’s education, wedding, or help an older relative with later-life planning, St. James’s Place can help ensure clients wealth works harder for the family without compromising individual’s needs. Protecting yourself, your family and your business can make a real difference to your life and those you care about, both today and in the future. St. James’s Place are specialists in providing solutions to meet exceptional insurance needs, including the protection of companies and the people who own and manage them. In order to complement and enhance our own range of services, our clients also have access to carefully selected external providers. St. James’s Place believe these providers represent the best of breed in their respective fields and are capable of delivering the high standards of service clients expect. Investment success is critical to your future financial well-being, but it is a field which presents a real problem: future performance is unpredictable. As a result, when you choose an investment manager, no matter how successful historically, you can never be sure that you have made the right choice. And even if you have, it may not continue to be the right choice over the years to come. To enable clients to build and maintain a well-diversified investment portfolio, St. James’s Place do not employ in-house fund managers to manage personal money. Instead, we are free to choose any investment manager from any fund management firm anywhere in the world.The responsibility of selecting the range of funds and fund managers that are made available to you falls upon the St. James’s Place Investment Committee. This comprises a small group of executives and independent investment experts and is advised by respected investment research consultancies, including Stamford Associates and Redington. The St. James’s Place Investment Committee meets regularly to review performance and consider detailed reports from each investment manager. If a change in the marketplace calls for the addition of another manager, the Committee will select one. Equally, if the Committee loses confidence in the ability of an existing manager it will replace them. This approach provides the flexibility to respond to market conditions as they change and ensures that we offer you, what we believe to be, only the very best and most appropriate investment solutions available across the globe. 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. From the moment, a client chooses to work with St. James’s Place the primary relationship will be with their dedicated St. James’s Place Partner. St. James’s Place aim to demonstrate the value of this relationship through the service that we deliver. St, James’s Place recognises that satisfaction as a client will depend on how well we look after your investments and keep you informed, so we will provide you with access to online valuation services, as well as an annual valuation report. St. James’s Place recognises that it is what happens after you invest that will determine whether the outcome meets your expectations. This is where your relationship with us really is different. After all, putting our clients firmly at the centre of everything we do is core to our culture and a relationship with us starts, rather than ends, at the point a client chooses to invest. The St. James’s Place Investment Committee continually monitors the fund managers who manage your money, which begins with a detailed analysis of the manager’s investment style and approach, supported by a full analysis of each underlying portfolio. They hold regular meetings with the managers throughout the year to assess the impact and quality of their investment decision-making. If the Committee at any time loses confidence in a manager, St. James’s Place will replace them. This happens quickly and efficiently, with no charge or tax implications for you. The St. James’s Place Investment Committee provides regular client reports explaining the steps they have taken and their thoughts on topical investment issues. Our specialists also produce regular investment and economic bulletins, along with a weekly market report, all of which are available to you. This information, together with exclusive investment manager interviews and our magazine The Investor, ensures clients are kept fully informed of how their money is being managed. The St. James’s Place Charitable Foundation is the Charitable arm of the St. James’s Place Wealth Management Group and has raised over £50 million to date. The St. James’s Place Charitable Foundation aims to make a significant difference to the lives of children and young people. The Charitable Foundation gives grants to charities working for the direct benefit of economically disadvantaged or socially marginalised young people, the physically disabled, or those suffering from a mental condition, life-threatening or degenerative illness. Since 1999, every pound raised by the community has been matched by the company.More