Joel Arif

Having worked as a financial planner for the last 17 years, Joel specialises in providing high quality private client advice. “I have a simple philosophy that all clients should be treated as if they were a personal friend or family member. In doing so, myself and my team are always striving to deliver the very best service and financial outcomes possible”. “I also believe advice should be thorough and bespoke with recommendations that can be evidenced as adding value to your long-term planning rather than a one off transaction.” Outside of work I am a keen golfer and runner, I love history, behavioral finance and politics, but most importantly I am a husband and dad to three wonderful children. 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. 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