Plan a
brighter future
with our face-to-face financial planning service on the South Coast.
Meet our people
Meet our people
Our clients are real people, and so are we. Scroll through our team to meet the people who can build your financial plan. Not sure who might fit your requirements? Get in touch
Trusted by over 1,800 clients to manage £320 million in investments.
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.
Plan today, enjoy tomorrow
Not just a rainy day fund. A good financial plan gets your money working towards the life you want.
Straight-talking financial advice, so you can get on with life.
Finance can be dull, but building the life you want? That’s exciting. We turn your money into the tool that gets you there, with a financial plan that’s clear, practical, and built just for you.
Let’s create your blueprint for a brighter future
See our services
Understand exactly what we can help you with, whether that's pensions, investments, mortgages or protection
Glimpse into your financial future
We use a cashflow forecasting software to show you what your future may hold for yours and your family's financially security.
A financial blueprint, built for you
Let us create a bespoke, structured plan to help you achieve everything you want from life.
"My journey with Luma started in Lockdown. Best phone call that I ever made."
Terry
Southampton
Plans for wherever you are at in life
Young Professionals
Growing Families
Business Owners
High-Net-Worth Individuals
Nearing Retirement
Retired People
Professional Athletes
Sole Trader
Established Families
Young Professionals
When it comes to growing wealth, time is on your side. From your first investment to your first home, we’ll help you make the most of your income.
Growing Families
Building financial security for the people that matter most. From saving for school fees to protecting your income and planning for the future, we help families stay one step ahead.
Business Owners
Your business is your focus – we make sure your finances keep up. From tax-smart income to long-term planning, we help you protect what you’ve built. No fluff, just advice that works as hard as you do.
High-Net-Worth Individuals
You’re earning big – now it’s time to make it count! We help high earners cut tax and grow wealth. From pensions to early retirement, we keep your plan and goals in focus.
Nearing Retirement
The light is at the end of the tunnel, and after years of working hard and saving for retirement, you’re on the final stretch.
Retired People
Whether you’re on the final stretch or already retired, smart planning now can mean more freedom later. Let’s help you build a plan so your money can help you with the life you want, for as long as you need it to.
Professional Athletes
We help elite professional athletes aiming for their peak earnings to provide security for a lifetime. From protecting your income to planning life after sport, we make sure the money you earn now keeps working for your future.
Sole Trader
Whether it’s making sure you’ve set enough aside for tax, planning for time off or thinking further ahead towards retirement – you need an adviser to handle the stuff you don’t have time for.
Established Families
Whether you’re helping your kids take their next steps, thinking about retirement, or figuring out how to pass on your wealth without giving a large amount to HMRC, we’re here to help you move forward with clarity and confidence.
FAQs
Yes, we are. We’re a Partner Practice and an Appointed Representative of St. James’s Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority (FCA). This means you’re protected and can feel fully confident knowing we follow strict processes designed to put your interests first.
We take a long-term view when it comes to investing which means your investments have more time and potential to grow aiming to bounce back from dips in the market – we believe in time in the market, not timing the market.
As a Partner Practice of St. James’s Place, the suitability of the advice we give is backed by their advice guarantee. So you can feel confident knowing you’re being looked after by some of the UK’s leading financial professionals.
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 at www.sjp.co.uk/products
The big question, and one we get asked a lot! The truth is there’s no one-size-fits all answer. It really depends on your lifestyle, how much you’ve saved, and what kind of retirement you’re aiming for.
What we can say is that many people underestimate how much they’ll need to live a comfortable retirement, which is why a clear plan is so important. We can help you understand where you stand now, what’s possible, and how to get there.
We’re here to help you feel confident about your money, through every stage of your life. From buying your first home to planning for retirement, growing your investments or passing on wealth to your family. We can also help with equity release, tax planning, protection and tailored advice for business owners.
Whatever your goals, we’ll keep things simple, personal, and focused on what matters most to you.