SJM Financial Planning was set up to provide bespoke financial advice to two sets of clients: Those clients that are approaching or at retirement, who may not have thought yet about putting in place a financial plan, and to law professionals focused in and around the City of London who may be starting to think about putting in place a structured financial plan for their short, medium and long term goals. 

For clients approaching or at retirement, SJM Financial uses cash flow modeling software, alongside a more traditional advice approach, to structure a long term plan which aims to provide you with a sustainable income in retirement and are as tax efficient in retirement as possible.  

For younger professionals, who are in the wealth accumulation phase of their life, we look at using different investment wrappers to provide maximum tax efficiency. We look at structuring a plan for the longer term, so that they can set themselves a retirement target to save towards, whilst underpinning their overall financial plan with the suitable levels of financial protection. 

Please follow the 'get in touch' link on the homepage to directly book an introductory call, and find out how we may be able to help you on your financial journey. 

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.