Our approach to financial planning
Traditional wealth management often only focuses on someone’s financial goals, without understanding the bigger picture of what wealth truly means to them.
We specialise in helping individuals, business owners and organisations explore and redefine wealth, developing financial strategies focused on what matters most to them, their business and their people.
Helping you: LifePlan
Our experts spend time exploring your goals and aspirations through the Pinnacle LifePlan, setting out a clear path to enable you to achieve them.
Typically, a LifePlan spans 50 years and incorporates a number of financial, legacy and protection strategies.
Invest in you
Each plan details tailored financial strategies designed to meet a client’s goals at different stages of their life, ranging from the needs of having a young family through to enjoying financial freedom in retirement.
Create your legacy
What does legacy truly mean to you?
When we explore this with our clients, they tell us about their hopes and aspirations for themselves and future generations. Many people consider leaving a lasting legacy for their family, some for their business and some for a charity through philanthropic giving.
We help you to develop your plans for giving while you are here and after you are gone, meaning the mark you leave in life is on your terms.
Protect yourself
Peace of mind comes from knowing that you and your loved ones will be looked after, whatever happens. As part of your Pinnacle LifePlan, we review then protect your finances against unexpected events that could have a detrimental effect on your family’s future and legacy.
Helping your business: LifePlan+
Our LifePlan+ is for business owners who want to align their personal goals and aspirations with the vision for their business. It includes strategies to grow and protect an enterprise, enabling stakeholders exit on their own terms*.
Invest in your business
It is often the case that entrepreneurs fail to realise the true value of their company. We work closely with businesses to develop the right financial and growth strategies to help the individual and the business achieve their full potential.
Create your business legacy
Our clients often tell us that how they exit their business is as important as building it. Having a plan in place early is crucial to preserve the legacy of a business, making sure it continues the way you want it to; and ensuring your personal vision aligns with the organisation.
Protect your business
In addition to a business owner’s individual needs, they also face the need to protect what is often their biggest financial asset; the company itself. Many businesses are damaged by events that occur through no fault of their own – for instance – losing a key person to injury or illness, or worse.
We take time to explore a company and identify where the real risks are. Then we develop the right plan to protect the organisation from all eventualities.
We work in conjunction with an extensive network of external growth Advisers and SME specialists, such as Elephants Child, who have been carefully selected by St. James’s Place. The services provided by these specialists are separate and distinct to the services carried out by St. James’s Place and include advice on how to grow your business and prepare your business for sale.
*Exit strategies may involve the referral to a service that is separate and distinct to those offered by St. James’s Place.
Helping your people:
Wheel of Wealth initiative
Your people are your business. As an employer, you are in a unique position to help ease pressure felt by employees and create a sense of financial wellbeing for them via our Wheel of Wealth initiative.
The programme has been designed to help staff establish true life goals; reduce undue stress by increasing financial literacy; and then implement a financial plan to achieve them. The package caters for all employees and shareholders and is tailored to an individual’s position within the company and salary bracket.
Following attendance on the Wheel of Wealth programme if your employee would like a 121 with a financial Adviser this will be by way of an introduction from Wheel of Wealth to Pinnacle Wealth Management LLP.
Wheel of Wealth is a separate and distinct company to Pinnacle Wealth Management LLP and does not work in legal partnership with Pinnacle Wealth Management or St. James’s Place.
Links from this website exist for information only and we accept no responsibility or liability for the information contained on any such sites. The existence of a link to another website does not imply or express endorsement of its provider, products or services by St. James’s Place. Please note that clicking a link will open the external website in a new window or tab.
St. James’s Place
We have chosen to work with St. James’s Place. As one of the UK’s leading wealth managers, their expertise is exceptional, giving our clients access to many of the leading fund managers from around the world.
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.
St. 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.