Richard Jones

I am a Chartered Financial Planner, a Fellow of the Personal Finance Society and I am also the Director of RJ Financial Planning. I have worked in the financial services industry since 1998. Since gaining my Chartered status, I have been registered with The Chartered Institute as a later life planning specialist and a pension planning specialist. My areas of expertise include tax and lifestyle based financial planning for business owners, professionals and the farming communities. Outside of the business, I am married to Helen and live in Aberporth with our boxer dog, Barti. I enjoy being physically active, reading and spending quality time with family and friends. Charitable fund raising and supporting local clubs and charities in West Wales is also very important to me. I am passionate about life in West Wales, the people that live here and providing financial advice to all that live here. 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. An investment in equities does 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. The value of any tax relief depends on individual circumstances. Auto-Enrolment products are not regulated by the Financial Conduct Authority. This Partner/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 at www.sjp.co.uk/products. The ‘St. James’s Place Partnership’ and titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives. SJP Approved xx/xx/xxxx