Ryan Rispoli

I have been providing financial advice and have been a member of the London Institute for Banking and Finance since 2007. I pride myself on ensuring some key principles are always followed: Simplicity - financial products such as Pensions, tax efficient investments etc can become overly complicated. I find people can lose track of the bigger picture if there is not a CLEAR plan in place. Holistic - it is rare that just looking at a single product will lead to the best financial advice so I always make sure the clients goal is the main point and we look at ALL ways to achieve it. Relationships - everything I do is to build a long term relationship. Once I start working with a client I ensure they know they can call me any time without hesitation. I will do all I can to make sure their financial planning journey in life is as stress free as possible! 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. Equity release is a lifetime mortgage or home reversion plan. To understand the features and risks associated with such products, please ask for a personalised illustration. 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