Sonia Charles

I am an experienced financial planner, specialising in helping both private individuals and business owners. I help my clients make some of the most important decisions of their lives, through strategic financial planning. Whether this is building wealth, planning for retirement, protecting what’s important or considering legacy and intergenerational planning. I pride myself in delivering solutions that can really make a difference to my clients and building a long-standing trusted relationship. As part of my advice I use cash flow modelling in order to help my clients visualise their long term future. My advice covers all areas of wealth management; • Retirement & Pension Planning • Wealth Management and Investment Planning • Inheritance Tax Planning • Inter-generational Wealth Planning • Protection (life, critical illness, income protection) Along with the services above I also specialise in advising members of the NHS pension scheme. As an Associate Partner Practice of St. James’s Place Wealth Management, my emphasis is on maintaining a long-term relationship with my clients and to provide them with a source of trusted advice as their financial needs evolve over the years. 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