SJM Financial Planning - Associate Partner Practice of St. James's Place Wealth Management

sjm financial planning was set up to provide bespoke financial advice to two sets of clients: those clients that are approaching or at retirement, who may not have thought yet about putting in place a financial plan, and to law professionals focused in and around the city of london who may be starting to think about putting in place a structured financial plan for their short, medium and long term goals. for clients approaching or at retirement, sjm financial uses cash flow modelling software, alongside a more traditional advice approach, to structure a long term plan which aims to provide you with a sustainable income in retirement and are as tax efficient in retirement as possible. for younger professionals, who are in the wealth accumulation phase of their life, we look at using different investment wrappers to provide maximum tax efficiency. we look at structuring a plan for the longer term, so that they can set themselves a retirement target to save towards, whilst underpinni