PFP Wealth Group

What PFP Wealth Group does

PFP Wealth Group Ltd is a UK private wealth management firm headquartered in Wakefield, West Yorkshire, operating as an Appointed Representative of St. James's Place Wealth Management plc. Founded around 2000 and registered in England and Wales under company number 13267152, the firm delivers face-to-face, one-to-one financial advice to private clients, business owners, and a set of clearly-defined professional segments including medical practitioners (GPs, NHS consultants, dentists), legal professionals, company directors, City finance professionals, senior corporate executives, sports professionals, charities, and retirees. Its headcount sits in the 11–50 range and its distribution model is entirely advisory-led rather than digital.

Name

PFP Wealth Group

Legal name

PFP Wealth Group Ltd

Website

https://pfpwealth.co.uk

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Trust, Fiduciary, and Custody Activities (523991)

SIC

Investment Advice (6282), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Private Banking & UHNW Wealth Advisory (FSAEABAC)

akta.pro secondary industries

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD), Private Client Custody & Brokerage (Execution, Reporting, Safekeeping) (FSAAABAN), Personal & Family Trust Services (FSAAANAA)

Keywords

• Wealth management services
• Financial planning advice
• Retirement planning solutions
• Investment management services
• Personal financial advisory

Headquarters

HQ city

Wakefield

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Advice and Product Charges: PFP Wealth Group generates revenue through advice charges applied to client investments, product charges for account administration, and fund management charges. Initial advice charges range from 1-3% depending on investment amount, with ongoing annual charges for continued advice and support.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

PFP Wealth Group is an Appointed Representative of St. James's Place Wealth Management that delivers face-to-face personal financial advice to individuals and business owners. The firm sells and advises on SJP's wealth management products and services, including investment solutions (ISAs, Unit Trusts, Investment Bonds, Polaris portfolios, offshore investments, discretionary/stockbroking services), retirement products (SIPPs, annuities, flexi-access drawdown), protection products (life, critical illness, income protection, private medical insurance), and mortgages and banking services. The firm also provides specialist advice for medical professionals, business owners, legal and City professionals, and high-net-worth private clients.

Product overview

PFP Wealth Group is an Appointed Representative of St. James's Place Wealth Management, offering a comprehensive wealth management platform through multiple integrated product categories: investment products (ISA, Junior ISA, Unit Trusts, Investment Bonds, Offshore Investments, Discretionary/Stockbroking Services), retirement solutions (SIPPs, Annuities, Flexi-access Drawdown), protection products (Life Cover, Critical Illness, Income Protection), banking services (Mortgages, Cash Deposit Service, Short-term Loans), and corporate services (Corporate Pensions, Auto Enrolment, Employee Benefits, Tax Mitigation, Exit Strategy Planning). The firm also provides specialist advice for medical professionals, business owners, legal professionals, sports professionals, and private clients. All services are delivered under the St. James's Place brand with access to SJP's fund range including Polaris, InRetirement, and Growth Portfolios.

Differentiator

Problem solved

Functional benefit

Products and services

• ISA Individual Savings Account offering tax-efficient saving and investing with access to investment funds managed by top global investment professionals, available to UK individual savers.
• Junior ISA Tax-efficient savings vehicle for children that builds capital for their financial future and becomes accessible to the child at age 18, offered to parents and family members.
• Unit Trusts Professionally managed portfolio of financial assets including stocks, property, and bonds, available within a tax-efficient ISA wrapper for individual investors.
• Investment Bonds Medium to long-term investment product that spreads risk across asset classes, with flexibility to switch funds and manage tax liability, available to individual investors.
• Discretionary and Stockbroking Services Wealth management service delivered through St. James's Place Investment Management Limited, offering bespoke portfolio management, stockbroking, Responsible Investing Bespoke Portfolio Service, and AIM Inheritance Tax Portfolio Service for HNW clients.
• Offshore Investments International investment solutions for investors wanting to diversify across currencies and asset classes, suitable for expats, those expecting lower future tax rates, or those who have exhausted ISA and pension allowances.
• Polaris Range Actively managed fund range designed for long-term growth with potential to outperform the market, including Polaris Multi-Index combining index tracking with active asset allocation, available to individual investors.
• InRetirement Range Fund-of-funds solutions designed for investors taking income, supporting regular withdrawals across three distinct options within the SJP range.
• Growth Portfolios Five distinct investment portfolios combining SJP's individual funds, built specifically to grow wealth over time for individual investors.
• Self-Invested Pension Plans (SIPPs) Pension plans offering wider investment flexibility including equities, Unit Trusts, gilts, and commercial property, with tax-efficient growth free from Income Tax and Capital Gains Tax, for individual retirement savers.
• Annuities Products providing a secure income for life through purchasing an annuity from a suitable provider, offered to individuals at retirement.
• Flexi-access Drawdown Pension withdrawal option allowing income directly from retirement funds with up to 25% tax-free cash (capped at £268,275 from April 2023), available to individuals at retirement.
• Life Cover Tax-free lump sum protection including Term Assurance and Whole of Life policies, payable to chosen beneficiaries via Trust, for individual clients.
• Critical Illness Cover Tax-free lump sum payment upon diagnosis of specified serious illnesses such as cancer or heart attack, for individual protection planning.
• Income Protection Replacement income benefit providing regular payments if the policyholder is unable to work due to injury or illness, for individual clients.
• Private Medical Insurance Health insurance coverage for employees' health and wellbeing, reducing absence from work while waiting for treatment, offered to both individuals and corporate clients.
• Mortgages First charge mortgage services across the marketplace for employed and self-employed buyers, buy-to-let, self-build, holiday homes, expats, and commercial mortgages, for individual and commercial borrowers.
• SJP Cash Deposit Service Online cash management platform powered by Flagstone offering access to multiple deposit accounts with competitive rates and FSCS protection across multiple banks, for individual clients.
• Short-term Loans Short-term lending facility through Metro Bank secured against St. James's Place investment portfolios, for purposes including property bridging and tax payments, available to SJP clients.
• Family Healthcare Plan Generation-spanning healthcare plan offered in conjunction with Western Provident Association, protecting extended family members' health, for individual and family clients.
• Corporate Pensions Group pension plans, salary sacrifice arrangements, executive pension schemes, and trustee-based arrangements for businesses and their employees.
• Auto Enrolment Workplace pension scheme setup and compliance services ensuring employers meet the minimum 8% total contribution requirements, for UK businesses.
• Employee Benefits Benefits packages including flexible benefits, salary sacrifice, private medical insurance, group life, income protection, and critical illness coverage, for UK employers.
• Corporate Planning Business insurance review and risk management services protecting companies from loss of profits, key person risks, and operational disruptions, for UK businesses.
• Tax Mitigation Corporation Tax reduction strategies including pension contributions, remuneration optimization, and capital allowances claiming, for UK businesses and company directors.
• Exit Strategy Planning Business sale preparation services helping owners maximize company value and plan for smooth exit within 5-year timeframes, for UK business owners.
• Shareholders Services Share purchase assurance and succession planning ensuring surviving directors can acquire shares upon shareholder death, for owner-managed businesses and shareholders.
• Estate Administration Service Referral service to Kings Court Trust, Clarke Wilmott, and Pavilion Row for estate administration including probate and asset distribution, for individual clients and their families.
• Professional Trustee Services Referral to Genus Trust Company for professional trustee services including asset administration and beneficiary representation, for HNW individuals and families.
• Will Writing Referral to legal service providers for Will preparation as part of estate and Inheritance Tax planning, for individual clients.
• Long-Term Care Planning Care funding advice including assessment of eligibility for state benefits, care home selection, and funding strategies, for individuals and their families approaching or facing care needs.
• Inheritance Tax (IHT) Calculator Online calculator providing a quick assessment of potential Inheritance Tax liability on an estate, supporting inheritance tax planning conversations with the firm's advisers.
• Pension Calculator Online tool calculating projected pension pot and annual income based on current contributions and retirement age, supporting retirement planning conversations with the firm's advisers.
• Risk Reality Calculator Calculator providing an indication of probability of death, critical illness, or inability to work before retirement age, supporting protection planning conversations with the firm's advisers.
• Mortgage Calculator Calculator showing potential borrowing amounts based on income, deposit, and property value inputs, supporting mortgage conversations with the firm's advisers.
• ISA Calculator Calculator showing potential ISA value growth over time based on contributions and investment period, supporting ISA and investment planning conversations with the firm's advisers.
• Business Insights Briefing Monthly email briefing service providing articles and insights for business owners on growth opportunities and challenges, supporting ongoing business-owner client relationships.

Named customers8 records

Segments10 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and supporting.

• St. James's Place Wealth ManagementcoreStrategic or Co-development PartnerPFP Wealth Group Ltd is an Appointed Representative of St. James's Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority. This partnership provides access to SJP's comprehensive range of wealth management products, investment platforms, and the SJP Guarantee on advice suitability.
• Kings Court TrustsupportingImplementation/ SI/ Consulting PartnerOne of the selected providers for the St. James's Place Estate Administration Service, chosen for commitment to client care and market-leading services.
• Clarke WilmottsupportingImplementation/ SI/ Consulting PartnerSelected provider for the St. James's Place Estate Administration Service, offering legal and administrative support for estate matters.
• Pavilion RowsupportingImplementation/ SI/ Consulting PartnerSelected provider for the St. James's Place Estate Administration Service.
• Genus Trust CompanysupportingImplementation/ SI/ Consulting PartnerJersey-based trust company providing professional trustee services as part of the St. James's Place Professional Trustee Solutions. Regulated by the Jersey Financial Services Commission.
• Western Provident AssociationsupportingTechnology or IntegrationPartner for the St. James's Place Family Healthcare Plan, providing generation-spanning health insurance coverage.
• FlagstonesupportingTechnology or IntegrationFlagstone powers the SJP Cash Deposit Service, providing an online cash management platform for comparing and managing deposit accounts.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Brooks Macdonald: UK wealth manager offering discretionary investment management and financial planning to HNW private clients, professionals, and intermediaries — comparable in scale, target segments, and discretionary portfolio capabilities.
• Quilter: UK wealth manager with a strong advised channel serving HNW clients via financial advisers, offering platform, investment management, and financial planning — closely aligned with PFP's advised-distribution model and product mix.
• Killik & Co: Boutique London-based wealth adviser offering face-to-face financial planning and investment management to HNW private clients — directly comparable to PFP in boutique scale, relationship-led model, and HNW client focus.
• Brewin Dolphin: UK wealth manager serving HNW individuals and intermediaries with discretionary portfolio management, financial planning, and investment services — directly comparable to PFP in target client profile and core offering breadth.
• Investec Wealth & Investment (UK): UK private banking and wealth arm serving HNW individuals, professionals, and business owners with discretionary portfolios, financial planning, and banking — directly comparable across the PFP product set.
• Charles Stanley: London-based wealth manager providing investment management, financial planning, and advisory services to private clients, charities, and intermediaries — directly comparable in HNW private client focus and discretionary offerings.
• Rathbones Group: UK-listed wealth manager providing discretionary investment management and advisory services to HNW private clients, charities, and intermediaries; comparable to PFP in client segmentation, bespoke portfolio services, and trust offering.
• Evelyn Partners (formerly Tilney Smith & Williamson): UK wealth management and professional services group providing financial planning, investment management, and tax services to HNW private clients and intermediaries — comparable in professional-segment specialization and breadth.

Broad incumbents

• Coutts: UK private bank serving HNW and UHNW clients with banking, wealth planning, and investment services — comparable as a competitor for PFP's HNW private client segment but at substantially larger scale and with broader banking capabilities.
• St. James's Place Wealth Management: The FTSE-listed parent and principal of PFP Wealth Group; PFP operates as an Appointed Representative distributing SJP's wealth management products. SJP is the direct upstream incumbent that defines PFP's product shelf, regulatory standing, and brand association.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/PFPWealth

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about PFP Wealth Group