*I have access to other Partners of the St. James's Place Partnership who can provide advice in this area.

**I have access to specialist advisers who can provide advice in these areas. The services offered are separate and distinct to those provided by St. James's Place. Commercial Mortgages are not regulated by the Financial Services Authority.

***Wills and trusts are not regulated by the Financial Services Authority. The writing of Wills and certain trusts involves a service that is separate and distinct from those offered by St. James Place.

****St. James's Place Bank is a division of Bank of Scotland plc