Clearwater Wealth Management
Principal Partner Practice of St. James's Place Wealth Management
James is the trusted adviser to an affluent client base throughout London and the UK. Acting for his clients’ as their private family office, James specialises in dealing with a select number of high net worth and ultra-high net worth private clients and families through a highly personalised and bespoke service.
He takes considerable pride in developing and maintaining long term and sustainable relationships with his clients through an in-depth understanding of their personal circumstances and needs.
What tools can assist you with your planning needs?
James uses several bespoke tools to provide financial security to his clients. This includes:
Cash-Flow Modelling Software - Identifying any current or future financial shortfalls.
Tax Analysis Software – A complete analysis of tax liabilities and how to structure wealth more-efficiently.
Investment Analytics – Reviewing asset allocation, risk, performance, and any possible portfolio overlaps for clients and their families.
What other support is available?
James will typically work by co-ordinating his advice with internal and external specialists. This includes tax advisers, accountants, family lawyers, trust specialists and other trusted advisers. For any clients needing these services, James has a trusted network of supporting specialists.
Advice Areas - Have you covered all bases?
Pension Advice - Including lifetime and annual allowance planning, defined benefit and money purchase analysis, pension drawdown and annuity options as well as utilising pensions for future inheritance tax planning.
Investment Advice - Including advice around onshore and offshore investments, ISA's, discretionary fund management and unit trusts.
Inheritance/Estate Planning - Including use of annual exemptions and allowances, gifting of assets, trust planning, inheritance tax efficient investing, charitable giving and reviewing of wills along with other inter-generational solutions*.
Other - Including insurance planning, mortgages, corporate services and specialist investments.
James is a member of the Chartered Insurance Institute as well as the Investment Association. He is regularly involved in research projects and holds several investment lectures and seminars.
Please complete the ‘Make an enquiry’ section below, or alternatively call James on 0207 065 2998.
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.
The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.
*Will writing involves the referral to a service that is separate and distinct to those offered by St. James Place. Wills and trusts are not regulated by the Financial Conduct Authority.
The Partner Practice represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group's wealth management products and services, more details of which are set out on the Group's website www.sjp.co.uk/about-st-james-place/our-business/our-products-and-services. The 'St. James's Place Partnership' and the title 'Partner Practice' are marketing terms used to describe St. James's Place representatives. The term 'Partner' is a marketing term used to describe Clearwater Wealth Management representatives.