Ridland Wealth Management Ltd

What Ridland Wealth Management Ltd does

Ridland Wealth Management Ltd is a privately held, Edinburgh-based financial advisory firm operating as a Senior Partner Practice of St. James's Place (SJP) Wealth Management plc. Founded in 2001 by Forbes Ridland — a founding Partner of the St. James's Place Partnership — and acquired by his daughter Katie Ridland in 2008, the firm delivers personalized, face-to-face wealth management advice to individuals, families, business owners, and high-net-worth clients across eight defined segments including retirees, financial professionals, company directors, city professionals, and care home operators.

The practice does not develop proprietary technology. Its core technology stack is the St. James's Place infrastructure, comprising the Polaris and InRetirement fund-of-funds ranges, the Select-Monitor-Change manager selection methodology, online financial calculators (pension, ISA, IHT, mortgage, risk reality), and access to SJP's discretionary and stockbroking services. The product surface spans investment planning (ISAs, Unit Trusts, investment bonds, offshore investments), retirement planning (SIPPs, annuities, drawdown), protection planning (life, critical illness, family healthcare via WPA), corporate services (pensions, auto-enrolment, exit planning), mortgages and specialist banking (via Metro Bank), and intergenerational wealth management.

Ridland generates revenue through a tiered fee model: a one-time initial advice charge of 3% on the first £250,000, 2% on the next £250,000, and 1% above £500,000; recurring ongoing advice charges of 0.80% of account value; SJP product charges of 0.27-0.35%; and fund charges of 0.09-0.69%. Total ongoing charges for a Polaris 3 ISA reach 1.59%, with Pensions at 1.67%. The firm operates exclusively through direct, in-person advisory consultations from its Edinburgh office, supported by content marketing (website, calculators, video, monthly E-Briefing) and exclusive SJP private client events. The six-person team is led by Director Katie Ridland (FPFS, Chartered Financial Planner), supported by a Practice Manager, Administrator, and Paraplanner. The firm is FCA-regulated via its appointed representative status with SJP and has won the Personal Finance Awards Best Financial Adviser category for ten consecutive years.

Name

Ridland Wealth Management Ltd

Legal name

Ridland Wealth Management Limited

Website

https://ridlandwealth.co.uk

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1–10 employees

Short description

Ridland Wealth Management Ltd is a privately held Edinburgh-based Senior Partner Practice of St. James's Place, delivering face-to-face wealth management advice to individuals, families, business owners, and HNW clients across the UK via SJP's investment, pension, and protection product platform.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro industry

PRIMARYFSAAABAM

Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs)

Financial & Insurance/Asset & Wealth Management/Private Banking & HNW/UHNW Wealth Management

SECONDARYFSAAABAD

Advisory Portfolio Management (Non-Discretionary)

Financial & Insurance/Asset & Wealth Management/Private Banking & HNW/UHNW Wealth Management

SECONDARYFSAAAAAF

Financial Planning & Goals-Based Advice (Mass Affluent)

Financial & Insurance/Asset & Wealth Management/Retail & Mass-Affluent Wealth Management

Keywords

• Wealth management advisory
• Financial planning services
• Retirement planning advice
• Investment advisory services
• Estate planning solutions

Headquarters

HQ city

Edinburgh

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

Revenue model

1. Initial Advice Charges: One-time initial advice charge applied to the total amount invested based on tiered banding structure. Charge is only applied if advice results in an investment.
2. Ongoing Advice Charges: Annual recurring charge covering ongoing suitability reviews and ongoing support. Based on the value in client account(s), with tiered reductions for large investments.
3. Product Charges: Annual charge for account administration. Tiered and reduces based on amount invested across SJP products. Applied to pensions, ISAs, and investment bonds.
4. Fund Charges: Annual management and oversight charge for funds invested. Range of 0.09-0.69% depending on the fund(s) selected. Total ongoing charges vary by product type (e.g., Polaris 3 total: 1.59% for ISA, 1.67% for Pension).

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Ridland Wealth Management Ltd is a Senior Partner Practice of St. James's Place Wealth Management plc that delivers bespoke face-to-face financial advisory services to individuals, families, and business owners across the UK. The practice provides personalized wealth management advice covering investment planning (ISAs, Unit Trusts, investment bonds, offshore investments), retirement planning (SIPPs, annuities, drawdown), protection planning (life insurance, critical illness, family healthcare), corporate services, mortgages, and intergenerational wealth management. All investment solutions are delivered through St. James's Place's fund range and investment management platform, with Ridland acting as the client-facing advisory practice.

Product overview

Ridland Wealth Management Ltd is a Senior Partner Practice of St. James's Place offering a comprehensive wealth management advisory service. The practice operates as a unified advisory platform built on the St. James's Place product infrastructure, combining personalized financial advice delivered by the Ridland team with access to SJP's full range of investment, pension, and protection products. The core offering centers on financial planning across investment planning (ISAs, Unit Trusts, investment bonds, offshore investments), retirement planning (SIPPs, annuities, drawdown), and protection planning (life insurance, critical illness, family healthcare). The Ridland Practice adds specialized advisory services for business owners, company directors, city professionals, and private clients, while leveraging SJP's managed fund ranges including Polaris (growth-focused fund-of-funds) and InRetirement (income-focused solutions). Additional services include corporate pensions, estate planning, intergenerational wealth management, and access to mortgage and banking solutions through partner integrations.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Planning Comprehensive investment advisory services covering ISAs, Junior ISAs, Unit Trusts, income-focused investing, investment bonds, discretionary and stockbroking services, offshore investments, and investment solutions including Polaris and Growth Portfolios. Targeted at individuals and families seeking tax-efficient investment growth.
• Retirement Planning Full range of retirement planning services including pension maximization, Self-Invested Pension Plans (SIPPs), annuity purchasing, flexi-access drawdown, and retirement planning for employed, self-employed, and employer clients. Designed for individuals approaching or in retirement.
• Protection Planning Protection services including life insurance, critical illness cover, income protection, family healthcare plans, wills and powers of attorney, estate administration, professional trustee services, and later life planning. Targeted at individuals and families seeking risk and estate protection.
• Corporate Services Business financial planning services covering corporate pensions, auto-enrolment, employee benefits, tax mitigation, shareholder planning, corporate planning, and exit strategy services. Targeted at business owners and company directors.
• Mortgages and Specialist Banking Mortgage advisory services including first charge mortgages for employed and self-employed, buy-to-let, self-build, remortgaging, and family assistance. Includes cash management and other lending solutions provided through partner integrations.
• Intergenerational Wealth Management Services for wealth transfer across generations including family protection policies, property ladder assistance, children's investments, estate planning, and business succession planning. Targeted at families with multi-generational wealth planning needs.
• Discretionary and Stockbroking Services Fully managed investment portfolios and stockbroking services provided through St. James's Place Investment Management Limited, including responsible investing, CGT management, and AIM Inheritance Tax portfolio services. For clients seeking professional portfolio management.
• Polaris and InRetirement Investment Solutions Fund-of-funds investment solutions using actively managed funds with automatic rebalancing. Polaris range is growth-focused for long-term wealth building; InRetirement range is income-focused with three risk profiles for clients taking regular withdrawals.

Named customers2 records

Segments8 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• St. James's Place Wealth Management plccoreChannel Partner/ Reseller/ DistributorRidland Wealth Management is an Appointed Representative of St. James's Place Wealth Management plc, authorised and regulated by the FCA. The practice represents only St. James's Place for wealth management products and services. SJP provides the products, investment management, back-office support, and brand while the practice delivers advisory services to clients. This is a franchise-type relationship where Ridland operates as a Senior Partner Practice within the SJP network.
• Kings Court TrustminorImplementation/ SI/ Consulting PartnerSelected by St. James's Place for estate administration services. Provides administrative support for dealing with legal, financial and personal tax affairs after death, including obtaining grants of probate.
• Clarke WilmottminorImplementation/ SI/ Consulting PartnerSelected by St. James's Place for estate administration services. Part of the estate administration service offering for clients dealing with affairs after death.
• Pavilion RowminorImplementation/ SI/ Consulting PartnerSelected by St. James's Place for estate administration services. Part of the panel for estate administration support.
• Care SourcerminorImplementation/ SI/ Consulting PartnerComparison and care matching provider for long-term care services. Referrals are made to Care Sourcer for care home comparison and matching services, which are separate and distinct from SJP services.
• Genus Trust CompanyminorImplementation/ SI/ Consulting PartnerJersey-based trust company providing professional trustee services. Specializes in administering trusts with objectivity and expertise. Regulated by the Jersey Financial Services Commission. Services are separate and distinct from SJP.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Saunderson House: UK private client wealth management firm serving HNW individuals and families with holistic financial planning, investment management and intergenerational wealth services — directly comparable in client segment and breadth of advice to Ridland.
• Brown Shipley: UK private bank and wealth manager offering investment management, financial planning and banking services to HNW clients — directly comparable in service mix and client profile to Ridland.
• Hampden & Co: Private bank targeting professionals, business owners and retirees with bespoke wealth management and banking — closely aligned in HNW customer persona and personal-service model.
• James Hambro & Partners: Independent UK wealth manager serving private clients with discretionary investment management and financial planning — comparable in scale and HNW customer focus.
• JM Finn & Co: London-based discretionary investment manager and wealth adviser focused on private clients, families and trusts; comparable in its concentration on personalised HNW portfolio and wealth planning.
• Killik & Co: UK private client stockbroker and wealth manager with long-tenured adviser relationships serving HNW individuals — highly comparable in face-to-face advice model and HNW client focus to Ridland.

Broad incumbents

• Brooks Macdonald: UK-listed wealth manager providing investment management, financial planning and asset management services to private clients — established incumbent operating in the same HNW segment as Ridland.
• Rathbones Group: FTSE-listed UK wealth manager with £100bn+ AUM providing investment management, financial planning and trust services to private clients, charities and intermediaries — significantly larger incumbent in the HNW segment.
• Cazenove (Schroders Wealth Management): UK wealth management arm of Schroders offering bespoke discretionary investment management and wealth planning to HNW individuals, families and trusts — larger incumbent in the same HNW private-client segment.
• Evelyn Partners: One of the UK's largest integrated wealth management and professional services firms serving private clients with investment management, financial planning and tax advice — broader incumbent in the same HNW segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ridland-wealth-management-ltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

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 Ridland Wealth Management Ltd