We balance

We balance
the present

We balance
the present
with the future,

We balance
the present
with the future,
work

We balance
the present
with the future,
work with life

We balance
the present
with the future,
work with life and
plans with actions.

We balance

We balance
the present

We balance
the present
with the future,

We balance
the present
with the future,
work

We balance
the present
with the future,
work with life

We balance
the present
with the future,
work with life and
plans with actions.

We balance the present with the future

Financial Planning

Through our disciplined financial planning process we will create a bespoke financial plan. By harnessing the latest in cash-flow forecasting tools this will be reviewed and updated on an ongoing basis.

Investment Management

FM Wealth is a Partner Practice of St. James’s Place. St. James’s Place recognises that no single investment house has a monopoly on investment expertise, and they do not employ in-house investment managers. Instead they carefully select a number of external managers of outstanding ability to manage their range of funds.

Guidance & Ongoing Support

Market movements reflect human decision- making, with all its attendant intellectual limitations and emotional biases. We recognise this both through approach to Investment Management, but also through the construction of our financial plans. We partner with our clients to assist with rational decision making, and endeavour to prioritise and execute plans efficiently.

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.

How does it work?

We help clients to organise their financial lives in such a way as to maximise the opportunity of achieving what is most important to them and their families. We work with those clients to check if their plans and resources continue to be aligned with their goals and values.

1 - Initial meeting

A high level view of where you want to be, where you are now, and a discussion of what we can do to help you.

2 - Financial planning

To build a truly bespoke plan we must understand your aims, objectives and vision of the future. We also need to gather accurate information on your current situation - values and details, including an understanding of your attitude to risk.
We will assist in gathering this information in whatever manner is most convenient for you, through a further meeting or by digitally sharing information.

3 - Strategy meeting

Using your financial information and our understanding of your aims and objectives we will build a financial model, and a financial planning proposal. This proposal will outline the options available, our preliminary recommendations, and actions to be taken.

4 - Implementation

Putting the plan into action. At this meeting we will review our engagement documents and recommendation reports and start implementing the plan.

5 - Review, monitor and report

Through ongoing meetings - held in a manner that works with you - we will review your objectives and financial situation, making updates and adjustments to your financial plan as required.

Online Access

Clients can access information and valuations through the St. James’s Place client portal on which there are a number of topical articles and additional information on issues that concern many clients, as well as copies of documents and letters.

Contact

We encourage clients to contact us at any time to arrange meetings, either face-to-face or held virtually, to discuss particular issues or concerns as they arise.

Who we are

Finlay McKay

Founder

07988 862 471

finlay.mckay@sjpp.co.uk

I am passionate about helping people organise their finances to get what they really want in life.

After studying Economics, I joined St. James’s Place and have worked in financial planning ever since, founding FM Wealth in 2016. I am a Chartered Financial Planner and Fellow of the Personal Finance Society.
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We are known for creating plans that provide balance, make a positive impact in the world and deliver financial freedom. My aim is to provide you more freedom to choose how you spend your time, who you spend it with and what you spend it doing.