St. James's Place

Name

St. James's Place

Legal name

St. James's Place plc

Website

https://sjp.co.uk

Company type

Public

Founded year

1991

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Full-Service Retail Brokerage & Wealth Platforms (FSAAAAAA)

akta.pro secondary industries

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ), Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)

Keywords

• Wealth management services
• Financial planning advice
• Investment management solutions
• Retirement planning services
• Pension and protection products

Headquarters

HQ city

Cirencester

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Funds Under Management Fees: Management fees charged on £220 billion of funds under management. Revenue of £3.77 billion reported for FY2025, up 19% year-on-year.
2. Initial Advice Fees: Tiered initial advice fees charged when clients first engage with the service, part of simplified charging structure implemented in August 2023.
3. Ongoing Service Charges: Ongoing fees for continued advice and service delivery, with simplified charging structure implemented in 2023.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

St. James's Place is a UK wealth management company that delivers personalised face-to-face financial advice to over one million clients through a Partnership network of approximately 5,000 financial advisers. Its core offering spans wealth management, investment management (ISAs, unit trusts, bonds, international funds), pensions and retirement planning, tax and estate planning, protection insurance, and later-life planning, with discretionary fund management and stockbroking delivered through its Rowan Dartington subsidiary. Revenue is generated through funds-under-management fees on £220 billion of assets, plus initial advice fees and ongoing service charges under a simplified charging structure introduced in August 2023.

Product overview

St. James's Place operates as a unified wealth management platform offering personalized face-to-face financial advice through its Partnership model of approximately 5,000 advisers. The core offering centers on comprehensive financial planning services including investment management (ISAs, unit trusts, bonds), pensions and retirement planning, protection planning, and later life planning (IHT, trusts, social care). The SJP App and Online Services platform provides digital access to investment values, performance tracking, and document management. The product suite includes specialized services for business owners, private clients, and international clients across Asia and the Middle East, with Rowan Dartington providing discretionary fund management and stockbroking capabilities. Fund products span life funds, pension funds, unit trust group funds, and international funds including the recently launched Polaris Multi-Index and SJP Global Lower Carbon Equity Unit Trust.

Differentiator

Problem solved

Functional benefit

Brands

• Polaris Multi-Index: Fund range launched in 2025 that attracted over £1 billion in assets within two months
• Rowan Dartington
• SJP Asia
• St. James's Place Charitable Foundation

Products and services

• Financial Advice (SJP Partnership) One-to-one personalised face-to-face financial advice delivered through the St. James's Place Partnership of approximately 5,000 financial advisers across the UK, supporting clients across their financial journey including planning for life changes, retirement and legacy.
• Investment Management Management of client investments including ISAs, Junior ISAs, Unit Trusts and Bonds, with discretionary and stockbroking services plus international fund options for overseas clients.
• Pensions and Retirement Planning Comprehensive retirement planning services including financial planning for retirement, pension education, reviewing future plans, retirement income options, and legacy planning.
• Tax Planning Services Financial advisory service covering income planning, tax allowances, inheritance tax and estate planning, tax-efficient investments, retirement tax planning, and business tax planning.
• Protection Planning Life insurance and protection products to safeguard clients and their families, supported by acquired protection specialists Future Proof Ltd.
• Later Life Planning Services covering Inheritance Tax planning, gifting strategies, trusts, and social care planning for clients in later life stages.
• Mortgages Mortgage advisory and arrangement services for clients, delivered through SJP's partnership adviser network.
• Private Clients High-net-worth client services with tailored financial solutions for wealthy individuals.
• Advice for Business Owners Specialised financial advice services targeting business owners including tax planning, succession planning and shareholder arrangements.
• Wills, Powers of Attorney and Families Estate planning services including will writing assistance and power of attorney arrangements, including Wills and family-related legal arrangements.
• Specialist Cash Management and Banking Specialised cash deposit platform and banking services for clients with minimum savings requirements.
• Rowan Dartington Discretionary fund management and stockbroking arm of the SJP Group, providing bespoke investment management services following the 2016 acquisition.
• Unit Trust Group Funds Collective investment schemes including life funds, pension funds, and unit trust group funds with various risk profiles and sustainability focuses, managed in-house by the Unit Trust Group.
• International Funds Investment funds available for international clients including Hong Kong International life funds and Singapore International life funds.
• SJP App / Online Services Digital platform providing clients access to view investment values, track performance with interactive graphs, access documents, and update preferences. Available via mobile app (iOS and Android) and laptop/tablet views with single sign-in.
• Polaris Multi-Index Fund Range New multi-index fund range launched in 2025 and reached over £1 billion in assets within two months, representing strategic in-house product development.
• SJP Global Lower Carbon Equity Unit Trust £13bn global equity fund run on an actively managed systematic and quantitative approach with enhanced sustainability disclosures, managed by Acadian Asset Management under SJP's investment oversight.

Quantifiable outcome

• 94.9% client retention rate demonstrating long-term relationship value
• +4 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• UK Retail Investment Campaign - Invest for the FuturecoreGTM or Marketing Partner · 29 April 2026SJP joined 19 other leading financial services firms in government-backed £20 million advertising campaign to encourage Britons to redirect cash savings into equities. Campaign supported by HM Treasury, FCA, and Money and Pensions Service. Targets approximately 7 million adults holding over £10,000 in cash savings.
• Acadian Asset ManagementcoreTechnology or Integration · 24 February 2026Acadian Asset Management appointed as new investment adviser for SJP's £13 billion Global Equity fund (renamed SJP Global Lower Carbon Equity Unit Trust). Fund shifted to actively managed systematic and quantitative approach. In 2025, the fund delivered 16.9% total return outperforming MSCI ACWI benchmark of 13.9%.
• NCSC Cyber Essentials CertificationminorOthers · 12 December 2025SJP participated in Cyber Essentials Plus certification initiative across partnership network of over 2,800 independent businesses. Reported 80% reduction in cybersecurity incidents attributed to certification controls.

Scale indicators12 records

Recent moves12 records

Expansion highlights8 records

Direct peers

• Rathbones Group: UK wealth manager providing discretionary investment management and financial advisory services. Comparable in target market (UK HNW/mass-affluent), business model (advice-led), and FUM scale (£100bn+ range).
• Charles Stanley: UK wealth manager providing discretionary investment management and financial planning. Smaller-scale direct peer targeting similar HNW and mass-affluent client segments.
• Evelyn Partners: UK wealth management and professional services firm (formerly Tilney) offering financial planning, investment management, and tax services. Comparable in advice-led HNW wealth model.
• Quilter: UK wealth manager with advised and platform business, ~£100bn+ AUM. Direct competitor in UK retail wealth advisory and platform services, similar mid-market focus.
• AJ Bell: UK investment platform and wealth manager. Comparable in retail wealth focus, growing adviser distribution, and pension/ISA offerings, though with a more platform-centric model.
• Hargreaves Lansdown: UK's largest direct-to-consumer investment platform and wealth manager. Most comparable UK peer given scale, retail focus, and recent participation alongside SJP in the UK Retail Investment Campaign.
• Brooks Macdonald: UK wealth manager providing discretionary investment management and financial advice, similar mass-affluent and HNW client base. Mid-sized direct peer in the advised wealth segment.
• Schroders Personal Wealth: JV between Schroders and Lloyds Banking Group providing face-to-face financial advice in the UK. Closest comparable to SJP's partnership/advice-led model, though smaller scale.

Broad incumbents

• Abrdn (Aberdeen): Large UK-listed global asset and wealth manager (formerly Aberdeen Standard Life). Comparable on UK wealth management, pensions, and platform services, but with broader international institutional asset management focus.
• HSBC UK Wealth & Personal Banking: Large incumbent UK bank with wealth management, private banking, and advised investment services. Competes for mass-affluent and HNW clients as part of a wider retail banking and global wealth franchise.

Market position

Strengths6 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/st-james039s-place
• Xx.com/stjamessplace

Revenue estimate

Valuation estimate

Number of profiles

Profiles19 records

Subsidiaries12 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about St. James's Place