W H AT I T M E A N S F O R YO U R C L I E N T S

C L I E N T B E N E F I T S

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CONTENTS

THE ST. JAMES’S PLACE PHILOSOPH Y 5

GUARANTEED ADVICE 6

THE BENEFITS OF FINANCIAL STRENGTH 6

WHAT OUR CLIENTS SAY 7

PARTNER AND CLIENT TESTIMONIALS 8

OUR CLIENT PROPOSITION 10

CLIENT COMMUNICATION 12

CLIENTS WANT MORE TIME WITH THEIR ADVISER 13

SUCCESSION PLANNING 13

AWARD-WINNING SERVICE 14

FINANCIAL HIGHLIGHTS OF 2015 15

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A t the heart of our sustained growth is our commitment to achieve the

best possible outcome for our clients and the importance we place on maintaining

long-lasting relationships.

We firmly believe that this highly personalised approach has a very important

place in UK financial services and will continue to do so into the future.

DAVID BELLAMYChief Executive Officer

Annual results press release, 25 February 2016

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We believe that clients are best served by having relationship-based, face-to-face advice with a trusted adviser, backed and supported by an institution focused on helping them do that to the highest possible standards. Our service is designed solely to support advisers deliver high-quality advice and service to their clients.

Putting clients at the centre of what we do is core to our culture

THE ST. JAMES’S PLACE PHILOSOPH Y

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St. James’s Place is a highly profitable, financially strong, FTSE 100 company, and one that continues to expand. It has the resource, people and expertise to support its Partners in delivering sound advice to their clients.

St. James’s Place Partners can feel confident in the future of their business; without upheaval, and with continuity of service for their clients.

A proven track record of security and profitability

THE BENEFITS OF FINANCIAL STRENGTH

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. This quite simply gives your clients reassurance and peace of mind when planning their financial future.

Advice you can trust

GUARANTEED ADVICE

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• 98% have recommended or would recommend St. James’s Place to others and 46% have already done so

We have also found:• 83% are highly satisfied with their relationship with St. James’s Place• 81% are highly satisfied with the relationship they have with their adviser• 88% agreed that we provide excellent client service• 82% are satisfied with the way in which we communicate with them• 84% would definitely invest with St. James’s Place again if making that decision today

Ledbury Research (600 surveyed), November/December 2014

Results that meet or exceed clients’ expectations

WHAT OUR CLIENTS SAY

51%15%

1%

33%

Good

Excellent

Poor

Reasonable

The key findings from 47,500 questionnaires were:• 84% rated the St. James’s Place proposition as good or excellent value for money

Wealth Account survey, January 2015

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JONATHAN MASTERSMASTERS FINANCIAL PLANNING LTD

“As an IFA considering a change in business model, you worry about the promises you have made to your clients and want to ensure they will be fulfilled in the new environment. As a result, when considering St. James’s Place, their client servicing solution had to work. Since moving across, my worries have largely abated and all of the promises made to me by St. James’s Place have come through. This is very reassuring as it doesn’t happen much in this industry. I had 2,500 clients before and I haven’t lost one. I ensured, with the help of St. James’s Place, my clients were kept well informed and understood the benefits to them. Realistically most were indifferent to whom the mother company was; they trusted me as their adviser and as long as my name was on the paperwork they were comfortable.”

IVAN MACKENZIE

“When Jonathan first told me he was considering St. James’s Place I was indifferent. I have always valued his honesty and integrity and so I trusted both his viewpoint and decision. I didn’t have an opinion of St. James’s Place before; however I have been very impressed. The areas I had concerns over seem very well laid out, the paperwork is very good and the transition was seamless. Jonathan has always come back to me very quickly with answers and solutions; however since joining St. James’s Place it is clear he has access to bigger and deeper pools of knowledge. I think he’s got more information across to me quicker. I know Jonathan and he has always done a great job and I now feel I have the best of both worlds. I have someone I know and trust working under the umbrella of a very good and efficient organisation.”

Below are some testimonials from both Partners and their clients who have joined us

PARTNER AND CLIENT TESTIMONIALS

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“My biggest concern when considering St. James’s Place was that I was an IFA and believed nothing could beat that. As a result, I was really nervous about how my clients would perceive the change. However, after taking the time to understand the St. James’s Place proposition, I could see the benefits to my clients; and due to the trust I had built with them, all 300 are still my clients.

My decision to join was largely driven by the St. James’s Place approach to investment management. As an IFA the amount of funds available was becoming more and more vast, so not only did I feel an individual couldn’t do a good enough job for clients, I also felt I was building up a potential liability. The support of the Investment Committee and Stamford Associates gives me great confidence that my clients are being properly and professionally looked after and my clients notice the difference. With the St. James’s Place brand they also feel secure that their money is being well looked after and say that I come across with greater confidence when making my recommendations. Since joining St. James’s Place, all the necessary procedures and IT support were in place to service my existing clients and this allowed me to continue to deliver the promises I had made to them as an IFA. Although there were changes to my back office, there was no change to the relationships I had built with my clients and the job I did for them. Since, the feedback has been very positive and I get more referrals: a true reflection that my clients are happier.”

GEOFF GRIFFITHS

“Having had previous financial advisers, I have found Liz more communicative, more responsive and more understanding of my concerns and objectives. Therefore when Liz first told me she was moving over to St. James’s Place, it was of no concern. At the time I had no opinion of St. James’s Place and, in truth, did not know them in any detail. I have found from past experience there always seems to be a catch as generally people make changes for their own interest. However, whilst it’s worked out for Liz, it has also definitely worked out for me. Since Liz aligned with St. James’s Place the service I receive is more reactive, the communicative side doesn’t compare and my investment performance is significantly better. I have set up new investments with St. James’s Place and am in the process of moving my existing funds over. From a practical point of view, the transition was unnoticeable. It was managed very smoothly and I was informed of what was happening all along. I wouldn’t have an association with St. James’s Place without Liz but as far as I’m concerned it’s a great combination.”

LIZ ROBINSONLIZ ROBINSON WEALTH MANAGEMENT LTD

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Our aim is to provide your clients with superior investment returns over the medium to long term. At the heart of our proposition to our clients is your investment management approach.

The responsibility for selecting funds and fund managers falls upon the St. James’s Place Investment Committee. Its duty is to select, monitor and change our fund managers when needed. The committee is supported by a number of independent consultancies that are able to provide extensive research into the investment management universe. This ensures that we offer clients what we believe to be, only the very best and most appropriate investment solutions available across the globe.

Specialist expertise that delivers financial security

OUR CLIENT PROPOSITION

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Trusts are not regulated by the Financial Conduct Authority.

EMPLOYEEBENEFITS

LONG-TERMCARE

LIFEASSURANCE

FINANCIALPROTECTIONAGAINST RISK

MANAGING CASH &

BORROWINGS

BUILDING & PRESERVING

CAPITAL

INVESTMENTS

PENSIONS & PENSION ANNUITIES

PORTFOLIO MANAGEMENT

TRUST & ESTATE

PLANNING

CASHSAVINGS

MORTGAGES

LENDING

HEALTHINSURANCE

SPECIALISTGENERAL

INSURANCE

Employing external fund managers means that for clients there are no tax implications or additional charges. Clients will therefore have access to a broad range of products, and services that can be tailored specifically to their needs.

OUR CLIENT PROPOSITION

Specialist expertise that delivers financial security

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First-class service

We provide numerous items of literature and correspondence which you can use with your clients that are clear and easy to understand. These include:

CLIENT COMMUNICATION

WEALTH ACCOUNT SUMMARYThe Wealth Account provides each client with a personal analysis of their investments with St. James’s Place.

INVESTORThe Investor is a quarterly magazine providing clients with an update on current market and industry news. These can be personalised for each St. James’s Place Partner.

E-BRIEFING SERVICEThis personalised, monthly e-communication helps you keep in touch with your clients with relevant market and industry news.

INVITATIONS TO APPROPRIATE EVENTS AND SEMINARSThese give your clients a great opportunity to meet with industry experts and to learn more about their investments.

BUDGET SUMMARY REPORTS AND TAX FOCUS CARDSWe provide this comprehensive and professional literature to use with your clients.

REGULAR TOPICAL BRIEFING NOTES

ANNUAL AND HALF-YEARLY REPORTS FROM THE INVESTMENT COMMITTEEReports with updates and the latest figures from the investment committee.

AUDIO CIO INTERVIEWSThese are available on CD or via Partner websites.

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MORE TIME WITH THEIR ADVISER

Our experience tells us that more time is what both the client and adviser ultimately want. Clients are best served by having relationship-based, face-to-face advice with an adviser that they trust. St. James’s Place provides its Partners with the infrastructure and support to alleviates time pressures and make this a reality.

When an adviser makes the decision to sell all or part of their practice, this can be a daunting and unsettling experience for their clients. The St. James’s Place Business Sale & Purchase scheme has been built with the client at the centre of the process.

PROCESS

St. James’s Place will work alongside the Selling Partner to identify a Buying Partner. • This allows a good client/adviser fit.• Clients trust their adviser and therefore will be reassured of being looked after in the future.

St. James’s Place will put an actuarial value on the Partner’s business.• This ensures no bias and that clients and the new Partner are matched on compatibility.

The Buying Partner introduces themselves to your clients and continues to provide the service promised to them by you. Although the client’s relationship with their adviser changes:• Their relationship with St. James’s Place stays the same.• There is no change to the investment philosophy.• There is no change to the way their money is invested.• There are no costs or upheaval.

The client benefits from:• A fresh perspective and different ideas.• Continuity of advice and service.

SUCCESSION PLANNING

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2015

2014

2013

2012

Expertise held in high regard

AWARD-WINNING ADVICE

wealthadviserAWARDS 2013

Best Private ClientAsset Manager UK

2012/13 WINNER

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£58.6 billion Funds under management(+13%) 2014: £52.0 billion

£5.78 billion Net inflow of funds under management(+14%) 2014: £5.09 billion

£441 million EEV new business profit(+18%) 2014: £373 million

£9.24 billion Gross inflow of funds under management(+17%) 2014: £7.88 billion

£660 million EEV operating profit (+11%) 2014: £596 million

3,113 Qualified advisers(+11%) 2014: 2,835

£182 million Cash result(+5%) 2014: £174 million

151% Solvency ratio 2015: Group Solvency II free assets of £809.2 million compared with £440.2 million on Solvency I basis

FINANCIAL HIGHLIGHTS OF 2015

From 1 January to 31 December 2015

The `St. James’s Place Partnership’ and the titles `Partner’ and `Partner Practice’ are marketing terms used to describe St. James’s Place representatives.Members of the St. James’s Place Partnership in the UK represent St. James’s Place Wealth Management plc, which is are authorised and regulated by the Financial Conduct Authority.

St. James’s Place Wealth Management plc Registered Office: St. James’s Place House, 1 Tetbury Road, Cirencester, Gloucestershire, GL7 1FP.Registered in England Number 4113955.

VR1 (03/16)SJ 3135