Ben Ricketts

I am a Chartered Financial Planner and have worked in financial services for over 20 years and provide broad based financial advice, mainly to directors, professionals, retired clients and companies, helping them with practical solutions to the financial issues that concern them most. My advice covers all areas of wealth management, including; protection, retirement planning, wealth management, savings and investments. Ultimately, I help my clients to minimise tax, maximise wealth and protect against risk. As a Director of an Associate Partner Practice of St. James's Place Wealth Management based in Hertfordshire, my emphasis is on maintaining a long-term relationship with my clients and to provide them with a source of trusted advice as there 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