About Us
Life is for living…
One of our key differences:
Rather than focusing on your money, first and foremost it’s about you and gaining a thorough understanding of your personal lifestyle. It’s important to focus on living in the now as well as regularly reviewing your financial future.
Gemma Darcy
Director & Chartered Financial Planner
GUIDING YOU TOWARDS YOUR FINANCIALLY SECURE FUTURE
Gemma Darcy CeMAP, APFS
Director & Chartered Financial Planner
With over 20 years’ experience in the financial sector, I provide specialist advice to solicitors, medics and senior NHS staff, along with comprehensive advice to businesses, professionals and private clients.
Working together, my role is to help you achieve the best financial lifestyle possible, helping you to live in the now as well as in the future. I take an informal approach, ensuring the delivery of my professional advice is tailored to your needs. I also act as a financial life coach. If something happens you can pick up to phone, we can talk it through and amend anything set in place.
As a Chartered Financial Planner, I’ve satisfied rigorous criteria relating to professional qualifications and ethical good practice. 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.
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
New partner, mid-career or 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
With a wealth of experience and understanding helping female professionals to review, assess and plan their long-term financial journeys, we 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.
Mortgages
Employed, self-employed, first-time buyers; self-build; holiday homes in the UK; expats; referral to commercial mortgages; Family Assistance – helping children get on the property ladder; remortgaging.
* Through Rowan Dartington, the stockbroking arm of St. James’s Place.
Your home or other property may be repossessed if you do not keep up repayments on your mortgage.
Exit strategies and Commercial Mortgages may involve the referral to a service that is separate and distinct to those offered by St. James’s Place.
Commercial mortgages are not regulated by the Financial Conduct Authority.
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.
MEET GEMMA
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 Practice is small enough to provide a truly personal service, but our advice is guaranteed by a large FTSE 100 company.
Gemma Darcy
Director & Chartered Financial Planner
John Whitehead
Lifestyle Cashflow Manager
Sally-Anne Rogers
Practice Manager
Damian Coleman
SJP Business Partnering
Lorna Brown
Mortgage Manager
Linda Gregg
Client Services Administrator
Tracey Edwards
Paraplanner
Nikki Hoyle
Paraplanner