Partner Practice of St. James's Place Wealth Management
PENNY PRIDES HERSELF ON OFFERING APPROACHABLE, TAILORED AND CAREFULLY CONSIDERED FINANCIAL ADVICE THAT REALLY MAKES A DIFFERENCE – AND HAS BEEN DOING SO FOR OVER TWO DECADES.
Her career in financial services began at Standard Life before she joined St. James’s Place in 2001 where the company, PW & Partners all started.
Penny can add most value to clients nearing retirement age and beyond – helping clients secure enough income to last their lifetime, preserving and growing capital whilst protecting it against inflation, Inheritance Tax and paying for care…ultimately safeguarding it for future generations.
Having spent years closely focusing on the highly specialised area of long term care she understands this is an especially sensitive area and so her aim is to make sure that anyone who has to enter into long term care has a fully considered set of options. She believes it’s never too early to give this careful consideration…to find out more about Penny’s experience and accreditations in the area please visit our dedicated Long Term Care page.
Life has the habit of throwing the unexpected at us! What Penny looks to do is to plan ahead so if this happens her client’s financial situation is strong because of the adaptable way she works to find solutions just right for them. She offers honest, open and realistic tailored plans to help them attain their financial goals with regular review meetings to keep on top of changing circumstances.
Building long term relationships based on trust is what Penny is all about, as well as pushing the boundaries to get her clients to think in more detail about what it is they really need whilst helping them understand the facts and figures and what that actually means for them in reality.
Areas of Expertise:
Investments – helping our client’s capital work hard irrespective of the financial climate whilst endeavouring to always, where possible, save tax
Inheritance Tax (IHT)/Trust & Estate Planning – including how to mitigate IHT…from regular gifting and using simple Trusts* to highly specialised products
Long-term Care Planning – working closely with families and their solicitors when expensive care costs have to be paid for the elderly or vulnerable adults with incapacity
‘Giving something back’ is a big deal for Penny who sits on numerous charity committees, namely the St James’s Place Charitable Foundation, ‘Lunch with an Old Bag’ Fundraising Committee for The Princes Trust and is also the founding member of the Edinburgh Care Forum.
If you are looking for a Financial Adviser who is much more than a financial adviser, speak to Penny... Passionate, fun, reliable and caring, Penny takes every one of her client’s outcomes as personally as they do - offering a highly professional service and superb level of client care.
A few of my favourite things…
Favourite Film: Depends on my mood...'The Hours' to 'Moulin Rouge'
Favourite Holiday: Africa, nothing more special than experiencing first-hand the preservation and protection of some of the world’s most beautiful and magnificent animals
Favourite Food: Impossible to choose from the amazing food available in our local supermarket. But if I had to narrow it down it would be any type of fresh fish or seafood! Preferably alfresco with a perfectly chilled glass of Pouilly Fume
Favourite things to do in my spare time… Running, walking my dog, big foodie (trying out new restaurants and wine), cooking for friends. Travel to experience new cultures. Fashion and interior design! Music and watching my favourite artists perform…anyone from Texas to Justin Timberlake!
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 you invested.
The levels and bases of taxation can change at any time. The value of any tax relief depends on individual circumstances.
*Trusts are not regulated by the Financial Conduct Authority.
The Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the group's wealth management products and services, more details of which are set out on the group's website www.sjp.co.uk/products. The 'St. James's Place Partnership' and the titles 'Partner' and 'Partner Practice' are marketing terms used to describe St. James's Place representatives.
PW & Partners Ltd is registered in Scotland, Number SC644543. Registered Office: 18-22 Melville Street, Edinburgh, EH3 7NS, Scotland.