Representing St. James's Place Wealth Management plc which is authorised and regulated by the Financial Services Authority. The St. James's Place Partnership and the title ‘Partner’ are marketing terms used to describe St. James's Place representatives.

Andrew Gray & Associates Ltd, Registered Office: 10 The Green, Bassett Court, Newport Pagnell, MK16 0JW, England. Registered in England and Wales, Company No. 3501687