Questions

What would you like to know?

Below we have listed some of the questions we get asked most often, just click on a question and it will expand to show you the answer.

If you can’t find the answer to your question below, you can use the ’Ask a Question’ box on this page to send us a question, or alternatively you can get in touch with the office using the details on the Contact Us page to arrange to talk with one of our experienced advisers.



We are experienced in serving the needs of a broad range of people, from individual private clients to company directors, trustees, and charities. The support we offer is diverse, covering straightforward advice or more complex help on issues such as tax and estate planning, investment planning and pensions/retirement planning.
In the main, we obtain new introductions from our extensive (and highly valued) existing portfolio of clients. We also have close links with companies within the professional service sector, such as solicitors and accountants, who are happy to refer their clients to us. Willson Grange has also acquired clients from a range of Independent Financial Advisers and have been happy to extend our high quality service to them.
As mentioned in the previous question, the majority of our clients come from personal introductions or referrals from existing clients, or from other professionals with whom we have trusted relationships. In all of these cases, the introducer/referrer should have discussed the referral with you before passing us your details.

In other cases, we have acquired clients from previous Financial Advisers who have decided to withdraw from the industry, often through retirement. In these cases, the previous adviser should have written out to you to advise that we have taken over their business. If you were a client of any of the Financial Advisers listed below, then this could apply to you. Please click the relevant link below for further information.

If you are still in any doubt, please call a member of our Client Services Team on 0151 632 7100 or use the ’Ask a Question’ form on this page and we will be happy to provide any further information we can.

Much of the contact with Willson Grange is on a one-to-one basis with an appointed Financial Adviser from the firm. Behind the scenes however, we have an extensive and highly qualified team of investment and technical specialists (from both Willson Grange and St. James’s Place) who work together to help meet your investment and planning objectives.
The number of meetings is driven by two key elements,
  • the complexities involved in the planning, and
  • the number of meetings necessary for you to feel wholly comfortable with the advice given

As such it can vary, with more complex planning involving a greater number of meetings. We will communicate with you in whatever medium suits you best, be that telephone, email or letter, albeit there are certain aspects which must be clearly outlined to you in a written form.

For us, the point of making an investment is when our relationship truly begins, and thus, ongoing advice and client meetings are essential to ensure the original planning remains relevant and suitable, and is flexible to your changing circumstances. In light of this, we would expect at least one yearly review meeting with you, although significant changes in your personal circumstances could necessitate more.

Successful investment is critical to your future financial wellbeing, but it is a field which presents a unique challenge: future performance is unpredictable. St. James’s Place Wealth Management have however developed a tried and tested method of managing your investments.

Recognising that no single investment house has a monopoly on investment experience, they do not employ any in-house fund managers. Instead, with the assistance of specialist external consultancy firms, they select a number of external managers of outstanding ability from across the globe, to manage their range of funds and your money. They then monitor them on a regular and rigorous basis, replacing those managers who they believe are no longer the ‘best in class’ in managing your wealth.

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than you invested.

You can easily keep track of your investments by speaking to your appointed Financial Adviser. They have access to St. James’s Place investment information and are happy to discuss how your investments are progressing. Alternatively, you can contact our Client Services Team who will be more than happy to provide you with the information you need.

Here at Willson Grange, we understand that investors need to be confident that their wealth is protected when they invest with us. A key issue for all investors is the reassurance that their investment is protected in the unlikely event of Willson Grange or St. James’s Place suffering financial difficulties. As such, your investments are safeguarded through several layers of protection, such as the Financial Services Compensation Scheme, which your appointed adviser will outline to you in greater detail during your meetings.

Our clients enjoy and benefit from bespoke, tailored, and comprehensive financial planning, from a professional Financial Planning Practice. Individual attention and personalised client service are the foundations of our client experience. All of this is designed to eliminate the guesswork from your financial future, and provide you with the reassurance and peace of mind that your hard-earned wealth is being looking after (both at the outset and going forwards through our regular monitoring) to deliver on your objectives.
Our charges vary on a case-by-case basis, depending on the complexities involved. Whilst our advice is not free, you can arrange a no obligation initial meeting with one of our advisers to discuss your needs. Details of the charges we make for our advice and how it is paid for are set out in the 'Key facts about our costs and services' document you receive. The cost for our advice is paid for and facilitated out of the overall charges levied on your investment. The advice charges will also be discussed with you and the specific amount charged will be provided on your personalised illustration.
Absolutely not. Our fees are paid from the charges levied on your investment, and are therefore are only payable if you invest through us. You are under no obligation to act upon our advice, and will only be charged if you do.

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’I have been satisfied with the service from Willson Grange. The communications and information are excellent and the performance of investments has met my expectations to date.’ - D Prendergast

Please note that past performance is not indicative of future performance