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Our values

Specific behaviours, not slogans.

"We value honesty" is worth nothing. These are the actual operational commitments behind how Lemoca works, with one example for each, and a clear list of things we will never do.

01

Plain English, always.

If a term is unavoidable, it gets explained the first time it appears. If we can use a shorter, plainer word, we do. Every recommendation is written so you can read it without a glossary open.

In practice Every written plan is sent in two versions: the full document for the record, and a one-page summary in everyday language. If you'd struggle to explain the plan to a family member at the kitchen table, the summary isn't doing its job.
02

Your timeline, not ours.

Decisions are made when you're ready, not when it suits a quarter-end target. There are no commissions on the table that need to land in a particular month.

In practice We write a plan, then put it down. If you need a week to think, you take a week. If you need a month, you take a month. We follow up to answer questions, never to chase a signature.
03

Every cost made visible.

Initial fee, ongoing charge, product cost, platform cost: all of them, on the page, before you sign anything. If something would cost you more than expected, you hear it from us, not from a statement.

In practice Every written recommendation includes a one-page costs summary showing the pound-and-pence amount, year one and year five. If the figure changes after the recommendation is agreed, we write to you to say so before the change takes effect.
04

One adviser. One relationship.

You don't get passed around. The person who advises you in year one is the person who reviews your plan in year seven. There is no call-centre layer, no quarterly relationship-manager rotation.

In practice When you call 07771 335 556, you get John. When you book a review, John runs it. When something needs paperwork-side help, John tells you exactly who at SJP is involved and why.
05

Honest about what we can't do.

We advise on SJP wealth management products. That's a specific scope, and there are areas it doesn't cover. We'd rather refer you to the right specialist than stretch our remit to fit your problem.

In practice Will writing, lasting powers of attorney and most personal tax planning are arranged via specialist partners we trust. We say so up front, we don't hide behind borrowed expertise, and we tell you the basis on which we work with the partner.
What we will never do

A short list.

Inverse of the above. Easier to remember, harder to slip past.

  • Recommend a product because of how we get paid.
  • Quote you a fee verbally and then charge a different one.
  • Push a decision because of a deadline we invented.
  • Pretend to advise on something outside our scope.
  • Use a glossary word when an everyday word would do.
  • Pass you to a call centre or junior staff member.
  • Sell, rent or share your data for marketing.
Common questions

About these values.

Because vague commitments to honesty mean nothing. Writing them down, in operational language, makes them something a client can hold us to and something a prospective client can decide whether they like the sound of.

We tell you, in plain English, why we think it's a conflict and what the alternatives are. If we can't square the circle, we'd rather say so than carry out work we don't believe in.

Your formal client agreement with St. James's Place sets out the binding terms of engagement. The values on this page are how we choose to work day-to-day, on top of those regulatory obligations, not in place of them.

Yes. Anyone we refer you to, including specialist legal and tax partners, is chosen because we believe they work to the same standard.

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