Feedback received from clients over the years.

James has been advising me for a number of years now and I am extremely grateful for his honest and sincere guidance. I am a firm believer that the key to a strong relationship is trust, and unquestionably I trust James. He is not only an excellent finance adviser, but more importantly, a wonderful friend.

James always offers good options that fit my situation, based on good knowledge and it's always presented in a calm and pleasant discussion - no hard sell. And in three years so far my investments have reliably performed very well, and often impressively. I've been with several financial advisers and companies over the years, the service and performance with James is a step change.

I am a client of James's and he has continually impressed me with his expertise and attention to detail. Unlike other financial planners I have come across I never feel like James is selling me anything. Instead he listens to my needs and provides me with a selection of potential solutions which we go through so I can make the best decision possible.

James is an impeccable individual with tremendous insights into his clients’ requirements relating to investing and wealth creation. His patience and understanding of his clients’ needs on their current and future state is a great attribution to him. James is very focused on delivering structured advice for his clients. His thought leadership and advocacy to bringing his clients together at various forums is a testament of his continued drive towards building his practice. I have personally had the pleasure of working with James, including being a client of his, and will continue to be so in the next 20 years. James would be a welcome asset to any Wealth Management practice he joins.

For the first time in 7 years of having financial reviews with an finance adviser, I actually enjoyed one. The review did not consist of a series of excuses as to why my savings had done badly over the previous period followed by pressure to invest more into a failing investment. The performance of my investment spoke for itself despite the extremely challenging times. It was so pleasant for Charles not to have to make excuses because he had done exactly what he said he would do. To be actually able to look forward to my investments being well managed rather than fearing my capital was continuing to dwindle despite the additional amounts I was investing was a great relief.

I am very pleased with St James's Place and especially Charles Edwards and his team at the Heritage Partnership. They are very efficient and knowledgeable. Charles is always ready to offer advice and suggestions for my investment portfolio and answer my questions. I have seen significant growth, especially this past year, even getting through the Covid financial crisis with calm guidance and advice. I would have no hesitation in recommending Charles to other potential investors.

In my varied experience of financial advisers, Charles is something of a rare beast in that he engenders trust, and confidence combined with a highly engaging and considerate manner where you are viewed as a multifaceted human, not just a customer. He has done a fantastic and complex job of unwinding me from an ineffective investment platform during my spell in Hong Kong and Singapore, that has now more than bounced back. He has also consolidated the rather messy collection of pension pots I had accumulated over multiple career changes in the past 35 years that are now consistently performing above my expectations. As I approach retirement Charles is helping me and my wife navigate the important decisions we have to make including but also way beyond the scope of my SJP holdings - I couldn’t ask for a better all-around wealth management adviser.

Overall I am very happy with Charles' advice and the fund performance - there has been a fair bit of active management as my job ended in late 2019 during a corporate takeover and I am now effectively retired. Charles has been very diligent in ensuring he understands what I want to do and then offering solutions with good guidance - we hold regular meetings which I find worthwhile and workmanlike. The return on investment picked up immediately on transferring my funds to St James's Place and I now feel comfortable that I am in good control of my retirement plans.

By way of example, I transferred an investment in managed fund (equities) from a bank in 2020 which I had held for more than 5 years - and it had returned less than 5% in total on the investment. In a slightly shorter period my St James's Place managed fund recommended by Charles had returned more than 30%.

“I have been working with Charles for a number of years and find him to be a very knowledgeable and competent individual. He sets realistic expectations, provides regular updates and has a good understanding of my financial needs which he has matched to suitable investment products. He shares his own views on global financial matters and often backs this up with factual information. Overall my investments have been well managed and I have been happy with Charles thus far. With this in mind, I would happily recommend Charles to be a competent Partner of the firm with time spent with him to be worthwhile.”