How We Help

Individuals & Families

Your Strategic Financial Partner Plan Design Implement Review

Whatever your aspirations and goals for you and your family, a robust strategic financial plan can help make them happen. And although life will always be unpredictable, we can help you prepare for the uncertainties ahead.

From growing your wealth to protecting what you’ve earned to securing your children’s future, we take a holistic approach to designing your strategic financial plan. We can even protect your income in case you’re unable to work, and help make sure your will is properly written to look after the people you love.

In everything we do, we look at the big picture and stay with you for the long term, adapting your plan to your changing priorities as the months and years go by.

Will writing involves the referral to a service that is separate and distinct to those offered by St. James’s Place. Wills are not regulated by the Financial Conduct Authority.

Building long-term relationships and guiding our clients towards financial peace of mind has always been our mission.

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Specific Services For Individuals & Families…

When you choose to work with Mercer & Associates we will guide you with a clear financial strategy and explain all of the various products and services that we recommend in clear, jargon-free language. Below is a snapshot of some of the services we may suggest as part of your bespoke personal financial plan.

Investment planning

Retirement planning

ISAs and savings planning

Inheritance tax planning

Estate planning

Protection planning

Review of existing pensions


Cashflow planning

Access to specialist banking and mortgages

Working Example: How We Helped

A Real-Life Client Example

Client A

A business owner from Cheshire who came to us 6 years ago after selling a 50% shareholding in his business.

Financial Goals

With a combined sum of £1,245,000 available to invest from sale of business shares, savings, and existing investments. The client would like to retire at the age of 55 and enjoy financial freedom whilst providing security for his family.

What We Did

Through a series of exploratory meetings with the client it became clear that there was a bigger planning issue than simply investing his sale proceeds.

We developed a plan that provided the client with a long term wealth strategy.

The Strategic Solution

Financial Truths we uncovered

  • Creating Tax Efficiency was paramount
  • Adopting a medium risk approach was perfect
  • Prioritising income and capital gains tax efficiency was more important than planning to reduce inheritance tax liability

The Financial Strategy

The investment structure included ISA, Stocks & Shares and Cash Holdings, designed to create the desired income level through retirement whilst reducing tax liability to acceptable levels.

We also created a personal retirement and pension plan to give further long term peace of mind.


The client is on track to retire at 55 and receive a cash sum as well as enough monthly income to enable financial freedom whilst minimising tax liabilities and ensuring financial security for his family.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and the value may fall as well as rise. You may get back less than the amount invested.

The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.

The advice provided to was given after a full evaluation of client ‘A’s’ specific needs, circumstances and requirements. The solutions provided would not be suitable for most investors and the information provided does not constitute advice.

How could we help you?