Joe Holmes DipPFS EFA

Financial Adviser

Joe works with individuals, families and professionals to help them take control of their financial future and make confident, well-informed decisions. He takes a structured approach to financial planning, ensuring advice is aligned with each client’s long-term goals.

He focuses on building robust financial strategies that evolve as circumstances change, providing clarity and reassurance when decisions feel complex.

Joe began his career at an IFA, gaining experience across a broad market and advising clients at different stages of life and wealth. This allows him to combine technical knowledge with practical, long-term thinking.

Joe typically supports clients with:
• Building and growing wealth in a tax-efficient way
• Retirement planning, with a focus on lifestyle and sustainability
• Investment strategies aligned to objectives and attitude to risk
• Estate and legacy planning to protect family and future generations
• Ongoing financial guidance as circumstances, markets and goals evolve

He focuses on long-term relationships, supporting multiple generations of the same family. His aim is to provide calm, consistent advice that gives clients confidence and peace of mind about the future.

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.