Our team at Three Hills Wealth Management is passionate about building long-term relationships with our clients.

Whether our clients were initially new in seeking advice, or amongst those who had previously sought advice elsewhere, they all shared a common starting point which was ‘why take advice?’.

Not surprisingly, the answer to this question varies from person to person. For many, they recognise that there are aspects of financial planning which they could transact for themselves, and therefore, may have considered seeking advice as an unnecessary additional cost. However, once there is an appreciation of what a competent trusted financial planner actually does for their clients, this thinking is quickly challenged.

Incorporating the adviser’s experience borrows from wide-ranging relationships with existing clients. This helps to circumnavigate possible pitfalls, as well as building on others’ proven successes; thereby saving time, energy and money.

The advice process itself starts with building a values-based financial life plan. This really goes to the heart of why personalised planning is needed because it helps clients to establish their true goals and objectives, based on their own values. These beliefs may include criteria such as environmental, sustainable and governance issues which can be incorporated within this planning.

The second stage is to prioritise the agreed strategies by considering what resources a client has available now, and potentially in the future.

Following the values-based plan; and its application, it becomes imperative to ensure that when commitments (appropriately dedicated time, energy and money) have been made to the client’s plan there will be added value generated via tax efficiencies, performance and behavioural coaching.

Tax - utilising available tax allowances and tax wrappers. There are too many to list here. However, consistently utilising the right tax exemptions and allowances, whilst using the correct combination of tax wrappers, has the potential to ring-fence substantial amounts of money which can in turn help to provide tax-free/efficient capital and income when needed in later life.

Performance – careful selection, monitoring, and when necessary, changing of fund managers; as well as the regular reviewing of an existing portfolio’s actual performance set against benchmarks and personal expectations, helps to ensure that investments are consistently aligned with a client’s attitude to risk. It also takes account of changing individual, as well as macro-economic circumstances, and helps to prevent unnecessary drawdown and drift.

Behavioural coaching – by creating a greater interest and appreciation of the applied solutions through a process of education and application, in conjunction with a trusted adviser whilst working in unison with periodic revisions of set goals, there is an increased likelihood of enhancing the long-term commitment needed for the agreed plans to bear fruit. This ongoing guidance and reassurance (particularly in challenging times), can ensure that a clear path is followed when sometimes it’s difficult to see the wood for the trees whilst dealing with family, work commitments and often conflicting news in the media.

Clients of Three Hills Wealth Management, a Senior Partner Practice of St. James's Place, have access to their distinctive Investment Management Approach, to provide our clients with added peace of mind and reassurance.

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 at www.sjp.co.uk/products.

More details can be found on the Guarantee page.

Please contact us if you have any queries, or would like any further information about our services. We very much look forward to building a professional and valued relationship with you in 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.