Director and Chartered Financial Planner, Gemma Darcy
“With over 24 years’ experience in the financial sector, we offer clients a boutique service. Working together, my role is to understand your aspirations and help you achieve the best financial lifestyle possible.
I take an informal approach, ensuring the delivery of my professional advice is specifically tailored to your needs. If anything happens, I’m at the end of the phone to talk things through and amend anything in place. For us, it’s all about excellent client relationships.
Our Chartered status means we adhere to a strict code of ethics and is the highest mark of trust, capability and professionalism within the financial planning industry. This means you can be confident you’re dealing with one of the UK’s leading advisers, wholly committed to providing you with the best possible advice, service and support for the long-term.”
Meet the team
Alongside our key players below, we have a host of specialist staff at St. James’s Place supporting our Practice. Clients can feel confident that help is always at hand, especially during any times of difficulty. Backed by St. James’s Place, my clients get the best of both worlds – our boutique Practice is small enough to provide a truly personal service, but our advice is guaranteed by a large company with statutory and regulatory controls which protect our clients and their investments across all its products.
Gemma Darcy
Director & Chartered Financial Planner
John Whitehead
Lifestyle Cashflow Manager
Sally-Anne Rogers
Practice Manager & Director of Communications
Rob Guyatt
Senior Business Partnering Manager
Lorna Brown
Mortgage Manager
Tracey Edwards
Paraplanner
Nikki Hoyle
Paraplanner
Our comprehensive services
Savings & Investment
ISAs; Unit Trusts; Portfolio; Discretionary and Stock Broking Services*; Offshore Investments; Investing for Income;
Investment Bonds.
Protection Needs
Life Cover; Critical Illness; Income Protection; Employee Benefits; Private Medical Insurance; Business Key Person Cover; Later life planning.
Retirement Planning
Maximising your pension fund; looking to invest in a pension plan; planning or nearing retirement.
Legal Professionals
Specialist in new partner, mid-career or lawyers nearing retirement. Tax efficient investment; bonus and pension management; salary sacrifice schemes; Lifestyle Cashflow planning.
Medical Professionals
Specialised assistance with NHS Pensions for GPs; Consultants; Senior Clinical Staff. NHS Additional Pensions; Annual Allowance; NHS Pension Reports.
Businesses
Corporate financial planning; pension reform; employee benefits; tax mitigation; taxation of shareholding directors; business intestacy risk; exit strategy.
Advice for Women
We’ve a wealth of experience helping female professionals to review, assess and plan their long-term financial journeys, and take great pleasure in making a real difference to women’s future financial lifestyles.
Intergenerational Wealth
Estate and Inheritance Tax Planning; university and school fee planning; helping loved ones onto the property ladder; future proofing your wealth; safeguarding your business’s future.
Tax Planning
This ranges from using personal allowances, exemptions and tax-efficient investments, to preparing for retirement or passing on wealth.
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.
The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.
*Through Rowan Dartington, the stockbroking arm of St. James’s Place.
Online services
To complement our clients’ investments, SJP Online Services enables clients to view simple, clear values on all their accounts. It helps them to understand how their wealth is growing, their investments are performing, and gives detailed fund breakdowns.
Helpful and interactive graphs allow clients to see current values of all their investments, with detailed fund breakdowns as to where their money is invested. It also enables them to track past and current performance of their investments.
Our charges explained
Our charges are simple to understand and easy for you to compare
We’ve split our charges into separate Advice, Product and Fund charges, so you can see what you pay for each of the services we provide.
Advice
The advice charge is what you pay for receiving advice from SJP via your SJP Partner. There is a one-off initial and then an ongoing advice charge.
Product
The product charge is what you pay SJP to administer your account. What you pay depends on which product you hold, for example whether you hold a pension or an ISA.
Fund
The fund charge is what you pay for the management and oversight of our funds. The amount varies by fund and what you pay depends on the funds you choose to invest in.
You can read a short explanation of what each of these charges mean here https://www.sjp.co.uk/individuals/charges