Personal financial planning
You and your family
Planning for retirement, growing your wealth and protecting what you pass on.
Financial planning in Hampshire
Financial advice in Whiteley & Fareham, so every decision makes sense to you.
Pensions, savings and passing on wealth, with a local team and clients across the UK. Meet us at our Whiteley office, at home or by video.
4.8 out of 5 from 286 reviews on VouchedForMeet our team
NHS Pension Scheme members
NHS colleagues
Guidance on McCloud, retirement options and the annual allowance.
- Clients who rely on us
- 1,000+
- Entrusted to Sapphire
- £190m
- Backed by St. James's Place
- £240.8bn
Individuals, families and NHS colleagues across the UK.
Client funds we look after and review, advising clients since 2015.
Funds managed by St. James's Place. We are one of its Senior Partner Practices.
VouchedFor rating and review count correct at 25 September 2026. Sapphire client funds and client numbers from Sapphire's records, September 2026. St. James's Place funds under management as at 30 June 2026. [All figures subject to SJP approval before launch.]
How we help
Pensions, savings, tax and protection, brought together in one plan and reviewed as your life changes.
Building wealth
Growing your savings
Invest with a clear purpose and a plan you understand.
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Building wealth
Saving into a pension
Make the most of your allowances and build the retirement you want.
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Using your wealth
Accessing your pension
Choose how and when to draw on your pension savings.
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Using your wealth
Using your savings & investments
Turn what you have built into an income that lasts.
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Protecting your family
Inheritance tax planning
Plan how your wealth passes to the people you care about.
Find out moreProtecting your family
Protecting you and your family
Cover that keeps your family secure if the unexpected happens.
Find out moreNot sure where to start?
Talk it through with us
You don't need to have everything in order first. That's part of what we do.
Your first meeting is at our cost, with no obligation to go any further.
Building wealth
Growing your savings
Saving into a pension
Using your wealth
Accessing your pension
Using your savings & investments
Protecting your family
Inheritance tax planning
Protecting you and your family
Not sure where to start?
Talk it through with us
You don't need to have everything in order first. That's part of what we do.
Your first meeting is at our cost, with no obligation to go any further.
Important information
[SJP-approved risk wording for the homepage, if required. Supplied by St. James's Place and inserted word for word.]
Why Sapphire
A close team that takes the time to know you
01
We explain the why
Finance is full of jargon. We explain your options in plain English, and the reasoning behind every recommendation, so you can see why it is right for you.
02
A plan, not a product
We bring your pensions, savings, tax and family into one plan, making good use of your allowances and helping you make informed decisions about the future.
Backed by the investment resources of St. James's Place.
03
With you for the long term
Regular reviews keep your plan on track as your life and the rules change.
Advising families since 2015; more than 1,000 clients rely on us today.
What our clients say
For NHS colleagues
Making sense of your NHS pension
Between the 1995, 2008 and 2015 sections, the McCloud remedy and the annual allowance, it's no surprise many colleagues feel unsure what they have. We run pension education sessions and explain your options in plain English.
47NHS pension seminars delivered
1,000+NHS colleagues reached through our seminars
Upcoming seminars
Oct20
Online · NHS colleagues
Understanding your NHS pension
Tuesday 20 October, 12:30 UK time · online, about 1 hour
Oct20
Online · Open to everyone
Property and your wealth
Tuesday 20 October, 19:00 UK time · online, about 1 hour
Insights
Plain-English guidance from our advisers on the questions clients ask us most.
Inheritance tax planning
Pensions and inheritance tax: what changes in April 2027
From 6 April 2027, most unused pensions will count towards your estate for inheritance tax. Here is what that means and what you may want to think about now.
Alexander Bland18 September 2026 · 6 min read
NHS pensions
The McCloud remedy: what NHS staff need to know now
If you were in the NHS Pension Scheme before April 2012, you will be asked to choose between two sets of benefits for 2015 to 2022. Here is how the choice works.
Alexander Bland11 September 2026 · 7 min read
Savings and investments
The basics of investing: five principles that matter more than timing
Time in the market, spreading risk and keeping costs in view. The ideas that tend to matter more than picking the perfect moment.
Nathan Cresdee4 September 2026 · 5 min readTalk to us about your plans
Tell us a little about what you'd like help with and one of the team will be in touch within 24 hours on working days.
What happens next
01
We get to know you: where you are now, what you want to achieve and what's on your mind.
02
We look at the whole picture: your pensions, savings, tax and family, together.
03
You decide what's next: if we can help, we'll explain how, what it would cost and what happens next.
Your first meeting is at our cost, with no obligation to go any further. We can meet at our Fareham office, at your home or by video.
Prefer to talk now? Call 0345 319 3543, Monday to Friday, 9am to 5pm.
Or choose a time to book a conversation