What EVOLVE FINANCIAL PLANNING LIMITED does

Evolve Financial Planning Ltd is a UK-based financial advisory practice founded by Jamie Megson, a Financial Adviser with 12 years of experience, and headquartered at 146 Commercial Road, Skelmanthorpe, Huddersfield. The firm operates as an Appointed Representative of St. James's Place Wealth Management plc — an FCA-regulated wealth management group with over £220bn in assets under management and more than 1,000,000 clients — meaning all investment products and administration are underwritten by SJP while Evolve focuses on client-facing advice. SJP Partner Practice approval was granted on 27 January 2026.

The firm delivers a five-pillar advisory offering: Investment Planning (Polaris and InRetirement fund ranges, ISAs, Junior ISAs, Unit Trusts, Investment Bonds, Discretionary/Stockbroking services, Offshore Investments), Retirement Planning (SIPPs, annuities, flexi-access drawdown), Protection Planning (life cover, critical illness, income protection, wills, powers of attorney, estate administration, later life and long-term care planning), Mortgages and Specialist Banking (first charge and buy-to-let mortgages, SJP Cash Deposit Service via Flagstone, short-term lending via Metro Bank), and Corporate Services (auto-enrolment, employee benefits, corporate pensions, tax mitigation, exit strategy planning). It also operates a Financial Wellbeing practice spanning workplace financial education and a Young Money-endorsed youth financial education program.

Revenue is generated through tiered initial advice charges (3% on the first £250,000, 2% on the next £250,000, 1% above £500,000 of investment), ongoing annual advice charges of 0.80% of account value, fund management charges of 0.09–0.69%, and mortgage procuration fees. The firm serves mass-affluent and high-net-worth individuals across six specialist segments — Education Professionals, Business Owners, Company Directors, Sports Professionals, Private Clients, and Financial Professionals — with delivery via in-person meetings from Huddersfield and remote advisory (phone, video, digital) across the UK. The firm was rebranded and relaunched in March 2024 to expand its advice offering.

Name

EVOLVE FINANCIAL PLANNING LIMITED

Legal name

Evolve Financial Planning Ltd

Website

https://evolvefinancialplanning.co.uk

Company type

Private

Founded year

2012

Operating status

Operating

Short description

Evolve Financial Planning is a Huddersfield-based UK financial advisory practice operating as an Appointed Representative of St. James's Place, delivering investment, retirement, protection, mortgage, and corporate planning advice to individual, HNW, and specialist professional clients across the UK.

Ownership category

akta.pro rank

Product category

Financial Advisory

NAICS

Portfolio Management and Investment Advice (523940), Pension Funds (52511)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Estate & Legacy Planning Advisory (FSAEAAAG), Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD), Financial Coaching & Budgeting Advisory (FSAEAAAH), Financial Planning Tools & Financial Coaching (Goal Setting, Apps, Advisors) (EDAAAJAN)

Keywords

• Financial planning services
• Wealth management advice
• Retirement planning
• Mortgage advisory
• Investment advisory

Headquarters

HQ city

Huddersfield

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Initial Advice Charges: Initial advice charges applied in bands: 3% on first £250,000, 2% on next £250,000, 1% on amount over £500,000 of the total investment amount.
2. Ongoing Advice Charges: Annual ongoing advice charge of 0.80% based on value in account(s), covering ongoing suitability reviews and ongoing support. Additional product charges apply based on product type (Unit Trust accounts & ISAs: 0.27%, Pensions & Investment Bonds: 0.35%).
3. Fund Charges: Fund management and oversight charges ranging from 0.09% to 0.69% depending on the fund. Total ongoing charges example: Polaris 3 fund totals 1.59% (ISA) or 1.67% (Pension) including advice, product and fund charges.
4. Mortgage Procuration Fees: The firm receives procuration fees from lenders for arranging mortgages from across the marketplace.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Evolve Financial Planning is a UK-based financial advisory firm operating as an Appointed Representative of St. James's Place Wealth Management plc, providing personalized financial advice on investments, retirement, protection, mortgages, tax planning and corporate services to individuals, families and business owners across the UK from its Huddersfield base.

Product overview

Evolve Financial Planning is a financial advisory firm operating as an Appointed Representative of St. James's Place Wealth Management plc. The firm offers a comprehensive suite of wealth management services organized into five interconnected pillars: Investment Planning (including the Polaris and InRetirement fund ranges, ISAs, Unit Trusts, Investment Bonds, and Discretionary/Stockbroking services), Retirement Planning (covering SIPPs, annuities, flexi-access drawdown, and planning for various employment segments), Protection Planning (encompassing life insurance, critical illness cover, income protection, wills, powers of attorney, estate administration, and later life planning), Mortgages and Banking (first charge mortgages, cash management via the Flagstone-powered SJP Cash Deposit Service, and short-term lending through Metro Bank), and Corporate Services (auto-enrolment, employee benefits, corporate pensions, tax mitigation, and exit strategy). The firm also provides specialist advice for business owners, company directors, financial professionals, private clients, sports professionals, education professionals, and delivers workplace and youth financial education programs. All investment products are underwritten and managed by St. James's Place, while the firm focuses on personalized financial advice and planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Planning Services Comprehensive investment advisory services covering ISA, Junior ISA, Unit Trusts, Investment Bonds, Discretionary and Stockbroking Services, Offshore Investments, and the Polaris and InRetirement portfolio solutions for individual clients seeking to grow or preserve wealth.
• Retirement Planning Services Comprehensive retirement planning including pension fund maximization, Self-Invested Pension Plans (SIPPs), annuities, flexi-access drawdown, and planning for employed, self-employed, and employer segments.
• Protection Planning Products Life cover (Term Assurance and Whole of Life), Critical Illness cover, Income Protection, Employee Benefits, and Private Medical Insurance through carefully selected providers for individual clients.
• Mortgages and Specialist Banking Mortgage advisory services for first-time buyers, employed and self-employed borrowers, buy-to-let, self-build, expats, commercial mortgages, and family assistance programs.
• Corporate Services Business financial planning including auto-enrolment compliance, corporate planning, shareholder agreements, employee benefits, corporate pensions, tax mitigation, and exit strategy planning for business owners and SMEs.
• Intergenerational Wealth Management Family wealth management across generations including protection policies, property ladder assistance, children's investments, estate futureproofing, and business succession planning.
• Financial Wellbeing Services Workplace financial education and financial education programs for young people, delivered through workshops and educational sessions to build financial confidence.
• Financial Education for Young People Secondary and primary school workshops covering budgeting, saving, borrowing, banking, and protection, with FE Quality Mark endorsement by Young Money.
• Workplace Financial Education Accredited workplace financial wellbeing program including virtual workshops, 1:1 guidance sessions, and educational content covering budgeting, mortgages, debt, protection, and retirement.
• Exit Strategy Planning Business exit planning services to maximize company value and ensure smooth ownership transitions, including benchmarking, growth forecasting, and CGT relief optimization.

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Partnerships

Six partnerships are on record, tiered core and minor.

• St. James's Place Wealth Management plccoreStrategic or Co-development PartnerEvolve Financial Planning Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management plc for advising on the Group's wealth management products and services. SJP handles product creation, management, fund administration, and investment management while the firm provides financial advice. The firm benefits from SJP's investment management approach, fund range, and institutional buying power.
• Western Provident AssociationminorOthersWestern Provident Association provides the Family Healthcare Plan offered in conjunction with St. James's Place, providing generation-spanning health protection for families.
• Kings Court TrustminorOthersOne of three estate administration service providers selected by St. James's Place for their commitment to client care and market-leading services.
• Clarke WilmottminorOthersOne of three estate administration service providers selected by St. James's Place for their commitment to client care and market-leading services.
• Pavilion RowminorOthersOne of three estate administration service providers selected by St. James's Place for their commitment to client care and market-leading services.
• Genus Trust CompanyminorOthersGenus Trust Company specialises in providing professional trustee services. Jersey-based with autonomy over internal affairs including taxation and legal matters, making it a leading centre for international finance.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Killik & Co: London-headquartered independent financial adviser focused on long-term financial planning, ISAs, pensions, and wealth management for private clients; directly comparable boutique IFA competing for similar UK segments.
• Rathbones Group: UK wealth manager delivering bespoke investment management and financial planning to private clients, trusts, and intermediaries; direct competitor in the HNW and professional-advice segments Evolve targets.
• Charles Stanley: UK wealth manager and IFA providing face-to-face investment, retirement, and tax planning to private clients and HNW individuals; closest whole-of-market, adviser-led model comparable to Evolve.
• Tilney / Evelyn Partners: UK wealth management and professional services group offering financial planning, investment management, tax, and corporate services to private clients and business owners; a directly comparable full-stack UK advisory model.

Broad incumbents

• Abrdn (formerly Aberdeen Standard): Large UK wealth platform with adviser, platform, and personal Investing offerings; comparable to Evolve in the segments and products it serves but with materially broader capability and scale.
• St. James's Place Wealth Management: Evolve's parent and product principal; SJP operates the £220bn AUM Partner Practice network that Evolve distributes through, making it the dominant incumbent shaping Evolve's economics, brand, and product set.
• Quilter: UK-listed wealth manager with a multi-adviser platform and restricted/whole-of-market models; competes for the same adviser-attached AUM and client segments but at significantly larger scale than Evolve.

Emerging players

• Bestinvest: UK online investment platform offering ISA, SIPP, Junior ISA, and managed portfolio services; serves a similar mass-affluent and education-professional client base as Evolve, with a lower-cost, more digital model.
• Hargreaves Lansdown: UK's largest direct-to-consumer investment platform with active research, guidance, and managed services; competes with Evolve for self-directed and advised retail clients but at much lower cost and with digital-first delivery.
• Vanguard UK Personal Investor: Low-cost UK investment platform and robo-advisor; competes with Evolve for cost-sensitive ISA and pension clients and is the principal pricing benchmark pressuring traditional IFA fee structures.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

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Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 EVOLVE FINANCIAL PLANNING LIMITED