We are very excited to announce that Four Wealth Management have now merged with another St. James’s Place practice – Cooper Associates Wealth Management.
We look forward to welcoming you to one of our offices in Bristol, Taunton, Cheltenham or Cirencester very soon.
Our phone number remains the same. Please do get in touch if you have any queries on:
0117 973 0500
You will shortly be redirected to the Cooper Associates Wealth Management website.
Why should you start saving?
Most people have a goal in mind that they are saving for, such as to go on holiday, buy a new car, pay school fees or cover the cost of Christmas. Saving into a traditional savings account usually offers limited growth as the most you will earn on the money you save is the interest added. Holding adequate cash reserves offers reassurance and financial security by making sure some money is put aside for emergencies or unexpected expenses. If you are looking to keep some of your savings in cash, through St. James’s Place, we are able to provide access to Metro Bank, who can provide you with exclusive access to savings accounts.
Make the most of your savings
If interest rates are low, it is difficult to make your savings work hard for you when only using a traditional savings account. To help you to achieve a potentially better return on your money, our advisers can help you to understand the savings and investment options that are available for you. We take the time to understand your financial situation, your goals and attitude towards risk.
The services provided by Metro Bank are separate and distinct to those offered by St. James’s Place.
When should I start saving?
To give your money more time for potential growth, you should start saving as early as possible. You can start saving using a lump sum or you can contribute to your ISA, pension or child’s Junior ISA on a regular basis.
What is the difference between saving and investing?
Savings are normally cash or cash instruments such as deposit accounts or bonds. Investing is what you do with your savings with the aim of generating a greater return on your money, however your capital is at risk and returns are not guaranteed. Our advisers can work with you to create a diversified investment plan to help reduce risk.
Reviewing existing investments
Do you know how well your existing savings and investments are performing? Our advisers will take the time to review your current portfolio and check your money is working as hard as it can to help you to achieve your financial goals quicker. Four Wealth Management offer portfolio management services.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than invested.
Equities do not provide the security of capital associated with a deposit account with a bank or building society.
The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.
What our clients say
Frequently asked questions
By saving early, you could benefit from a higher retirement fund, interest on your savings and have money for your future, such as buying a house, family planning or holidays.
The amount of money you should have in your savings depends on how much you want to save and what you want to save for.
A budget allows you to create a spending plan based on your income, detailing your expenditure and reserving enough for luxuries or savings. Following a plan could also help prevent you from getting in to debt or create a way to help you get out of debt.
Saving money can give you peace of mind knowing you are financially secure and provide a safety net in case of an emergency. Saving is also important for the long-term future, such as retirement for when you no longer have an income or need to cover education costs. It can also provide you with money for luxury expensive items, such as holidays or a new vehicle.
Enquire about your savings
If you have any queries or would like to arrange a face to face meeting with an adviser for a no obligation review of your personal finances, simply book a call back using the form below. Alternatively, you can call us on 0117 973 0500.
