At Twelve Wealth Management, our primary focus is our clients. We look to establish strong, long lasting relationships with individuals/businesses based on trust and honesty. We do our upmost to ensure that clients meet their financial goals and aspirations in a tax efficient manner. Twelve Wealth Management Ltd 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. The value of an investment with St James's Place may fall as well as rise. 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 depends on individual circumstances. Your home may be repossessed if you do not keep up with repayments on your mortgage.