Feel in control of your wealth with a plan that supports your life now and protects what matters most.

As wealth grows, and life changes, so does complexity. Different accounts, different goals, different tax considerations, and a growing sense that decisions don’t always connect into one clear plan.

For most people, it’s not a lack of good intentions; it’s that decisions get made in isolation. One account here, a pension there, tax questions in the background, and it’s hard to know if it all adds up.

We help you pull it together so you can see where you stand and take the next steps with confidence, today and in the years ahead.

A fresh approach to holistic wealth management

Rather than looking at one product or one pot of money in isolation, we start by understanding your aims, priorities, and the role your wealth should play.

Through holistic wealth management, we help you build a framework that connects the moving parts - investments, pensions, property, protection, family goals and legacy considerations - so the plan works as a whole.

Tax is obviously a key part of that joined-up picture. Consequently, a thoughtful, tax-efficient wealth strategy can improve outcomes over time by making better use of allowances, structuring wealth appropriately, and avoiding decisions that create unnecessary friction later.

Who this is typically for

This approach tends to resonate with individuals and families who’ve built up wealth over time and want to feel more confident about how it all fits together.

Perhaps you’ve accumulated multiple pensions, ISAs or investment accounts over the years, and you’re not entirely sure how they connect.

You might be approaching retirement, or already there, and thinking more carefully about how to structure income in a sustainable way.

You may be starting to think about the next generation, and how to pass on wealth thoughtfully and efficiently.

Or maybe you simply prefer having one coordinated strategy, rather than a series of separate decisions made at different points in time.

If that sounds familiar, you’re not alone, and it’s often exactly the right moment to bring everything together.

What our clients say

"Derek and his very capable and friendly team offer all I am looking for in a wealth/financial advisor, namely expertise, trust, security, accessibility and overall professionalism. Derek has provided carefully crafted options and plans as a result of consultations as to my priorities, expectations and objectives in retirement, subject to regular review and adjustment."

Long-term financial planning, your way

Long-term planning should bring confidence without complication, and a sense of relief and support. The simple aim is to create a strategy that’s robust enough to handle change and flexible enough to adapt as circumstances evolve.

Whether you’re:

• Combining assets
• Refining an investment approach
• Planning for future income
• Thinking about family and legacy

Working together, we’ll guide you through the decisions that matter most and keep everything aligned over time.

Imagine knowing exactly what your wealth is for, how it’s structured, and how today’s decisions affect your future. With a clear plan you can return to whenever life changes - that’s the foundation of good long-term financial planning.

Common wealth management questions

It’s normal to have a few questions when your finances span different goals and timeframes. You might recognise some of these:

• How can I structure my finances under one strategy?
• What does a tax-efficient wealth strategy look like for my circumstances?
• How can I create a reliable income without losing sight of longer-term goals?
• I have multiple pensions and investments - should I consider consolidating?
• Is it possible to control the long-term impact of inflation and market volatility?
• How do I plan for family support, gifting, and longer-term legacy goals?

If you recognise yourself in any of these, you’re in good company. A joined-up strategy can make decisions simpler and help you feel more confident about the road ahead.

We’re always happy to have an open, no pressure no-obligation conversation to explore your options together.

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.

The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is generally dependent on individual circumstances.

Why work with us?

At Derek Mills Wealth Consultancy we believe good advice starts with understanding you and your situation. We’ll take the time to listen, clarify what you want your wealth to achieve, and build a plan around your priorities, with ongoing support to keep it on track as life changes.

A long-term relationship built on trust:

"We greatly value the relationship and trust built with Derek and his team, who provide excellent support by telephone and regular reviews. Derek has always looked to understand our needs, offer solutions and taken time to explain the detail and discuss the implications. As a result, we have been able to plan our financial future with sufficient flexibility to support changing needs and recently introduced our daughter as a client."

Our role is not just to recommend products, but to act as a long-term partner, helping you make informed decisions with confidence and ensuring your strategy remains aligned as your life and wealth evolve.

If you’d like to talk things through, simply get in touch.