Goals-Based Financial Planning
Through our personal and goal-based approach, we discover your values and priorities. Once we understand your financial goals, we build a cohesive plan to help you to achieve the lifestyle you want both now and for the future.
When formulating a tailored financial plan for your future, we do not focus on the numbers, we focus on your goals. It is not about how much money you have to invest, it is about what you want to do with your money. When used effectively, money is a vehicle that enables you to achieve your goals and create the life you want.
Whether you want to give your children a head start in life, help them get onto the property ladder or plan for an early retirement, our goal is to make your goals attainable through effective long-term financial planning.
How we can help you
We support you by striking a balance between growing your business and growing your personal finances.
Your personal and business needs are likely to change over time. We work with you as your priorities evolve throughout different stages of life and business.
Whether you are looking for ways to minimise tax, protect your business, or you are thinking about your exit strategy; we can help.
Building & Preserving Capital
One of the biggest financial challenges that business owners face is keeping tax to a minimum. We provide business owners with effective tax mitigation strategies so they can extract profits from their business, while minimising their personal and corporate tax liability.
The levels and bases of taxation and reliefs from taxation can change at any time. Tax relief is dependent on individual circumstances.
Cash & Borrowing
Keeping surplus funds in your business is key to resilience, risk management and growth. We support business owners with a range of cash management and investment solutions so excess capital can be put to good use.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
Protecting your business
Running a business can be financially rewarding but also comes with great financial risk. As your business grows it is vital to have the right level of cover in place to protect you, your family and your business should the worst happen. We offer various types of business insurance to protect you in every eventuality, and importantly, bring you peace of mind.
Building & Preserving Capital
Financial planning clinics
Through our financial planning clinics we offer your employees the opportunity to book a no-obligation 1-2-1 chat with us. We will visit your office for the day, so it is easy and convenient for your employees. It provides a chance for them to ask questions about their finances in a relaxed and familiar environment.
Through these drop-in clinics we aim to remove barriers and offer financial guidance, encourage people to think about their financial goals, and support business owners with wellbeing initiatives.
Building & Preserving Capital
Having worked hard for years to grow your business to the point where you are ready to sell, it is important to get your exit strategy right. We support business owners throughout every stage of exit planning, from obtaining a valuation and maximising growth, to structuring the sale and managing the proceeds.
Exit strategies may include products and services that are separate and distinct to those offered by
St. James’s Place.
We offer a comprehensive suite of specialist services that enable affluent families and individuals to protect and grow their wealth.
Discover the exclusive benefits and bespoke solutions available to our Private Clients.
We help business owners to carefully plan their exit strategy in line with their ambitions for the future. We work with business advisory specialists to deliver a dedicated end-to-end service that goes beyond a successful sale.
What to expect
The enquiry process
A relaxed and informal chat to learn about you, your family, and your aspirations. We will discuss your financial position and any existing arrangements. With your permission, this may require us to write to your providers and request information.
We will review your current financial position and produce a plan to support your long-term goals.
We will discuss any recommendations which we feel are appropriate and together we will agree on a suitable strategy.
If you agree with our recommendations, we will implement the plan and welcome you onboard as a long-term and valued client.
Even the best laid plans require monitoring to ensure their success, this is why regular reviews are key. As your goals and circumstances change over time, we ensure your financial plan evolves too.
As a business, we are committed to quality and delivering exceptional client outcomes. Please read some of the kind feedback we have received from our clients.
I have worked with Nick for some time now and always delighted with the solid advice and guidance he provides. He has helped me avoid making investment mistakes and is always happy to arrange a meeting whenever needed. He has helped me understand a lot about my finances and given me confidence with my decisions, my only regret is that I didn’t meet him years ago. He’s the financial advisor I always recommend without hesitation.
Nick supported me with my remortgage which completed in March 2023. It was great to have Nick’s help in sourcing my new mortgage. The timing wasn’t ideal with the turmoil in interest rates, but Nick helped talked through the expected movements that would effect me and find the best deal for my situation. We got the offer in place early, which allowed Nick to reassess and improve on the initial product that we went with. Overall Nick is a very calm and reassured adviser, and was on the ball throughout to make sure we got the best deal possible. 10/10 would recommend.
I recently had a meeting with Nick to discuss pensions and savings – his advice was truly tailored to my goals, which he took the time to fully understand before making any recommendations. Money is such a personal topic to discuss with strangers but by the end of our meeting, I felt extremely comfortable talking about my financial situation and sharing my fiscal ambitions with Nick. I have no hesitation in recommending him and following his advice.
I recently worked with Kirsty when buying my first home and she was absolutely brilliant! Her knowledge is outstanding and she always explained my options in a way I would understand and to allow me to make the right decisions. Her interpersonal skills are great and she was very supportive throughout the process! Fair to say that I will be using her for all future remortgages ! Thanks again for your help!
Nick Henbrey was friendly but professional. He explained options in a clear way and I felt very comfortable with how he presented them. He was not pushy and allowed plenty of time to consider what he was saying/suggesting. My situation was complex because I was acting for my mother but also still waiting on probate for my fathers Estate. I felt that Nick lifted what felt like a heavy load off my shoulders. During the process my mother also died so circumstances changed . Nick throughout remained my rock and has since provided valuable information on how best to negotiate all the rules around gifting.
I used Grayson Lewis Financial Planning to find a great mortgage so I could move home. The service was excellent, Kirsty really took the time to understand my needs and was extremely professional throughout the whole process. Couldn’t recommend them enough!
We have definitely seen a huge positive difference in our finances, it was the full money review that we had been looking for and we are financially in a better place now.
Couldn’t recommend Nick & Kirsty enough! As a first time buyer not knowing much about the process, they were incredibly helpful and kept me informed throughout the process. They were available at any time I needed any questions answering and really reassured me. I now recommend them to anyone that asks! You won’t regret using them!
Nick’s support on both financial planning and mortgage advice has been superb. He was able to work quickly to clearly provide a range of options and action the advice, while ensuring I had full understanding of any implications. He works diligently and is flexible to chat through any questions at short notice. Would highly recommend Nick and the Grayson Lewis Team.