Paraplanning Services for St. James’s Place Partners

Having worked within the financial services industry and alongside Partners at St. James’s Place since 2008, the team here at Virtual PA Services understands the importance of producing high quality, compliant SJP suitability letters.

In fact, we have grown to become one of the UK’s leading SJP Paraplanner suppliers, providing vital help to businesses that are seeking short- or longer-term assistance with their administrative processes on an outsourced basis.

Led by SJP Accredited Jade Clarke DipPFS, Cert CII (MP), our virtual paraplanning team consistently produces detailed and personalised reports for a wide range of products, whilst ensuring they comply with all regulations.

Collating plan information can be problematic, time consuming and sometimes simply frustrating. However, you can delegate this to our SJP Paraplanners with confidence, as these professionals have a wealth of knowledge on current and legacy products, enabling them to make easy work of navigating this tricky area!

You can also be sure that, in an ever-developing industry, we make it our mission to stay up to date with any changes within St. James’s Place and the wider community, ensuring our Paraplanners always have the knowledge they need to get the job done.


  • Suitability letter preparation
  • Advice set creation
  • Voyant
  • Analytics
  • OPAL
  • Income sustainability calculations
  • Carry forward calculations
  • Inheritance tax calculations
  • Protection cases


For replacement (pre-approval), business:

Investment transfers including:

  • Investment bond replacement
  • Stocks and shares ISA
  • General investment account / unit trust replacement
  • EIS rollover

Internal drawdown recommendations including:

  • Initial tax-free cash
  • Phased drawdown strategy
  • Annuities
  • Dependents drawdown

Pension transfers including:

  • Defined contribution schemes
  • Stakeholder pensions
  • Partial transfers
  • Drawdown transfers
  • Fixed term annuities – when maturing


For new business (post approval):

New cash investments including:

  • ISAs
  • Unit trust accounts /unit trust feeder accounts
  • Investment bonds (international and onshore)
  • Junior ISAs
  • Unit trust designates
  • Fund administration bond
  • Rowan darting portfolio both ISA and non-ISA portfolios
  • Venture capital trusts / Enterprise Investment Schemes

Trust and inheritance tax planning including:

  • Gift plan (both international and onshore)
  • Enhanced gift plan (both international and onshore)
  • Discounted gift plan (both international and onshore)
  • Loan plan (both international and onshore)
  • Inheritance tax solution (both AIM and non-AIM)
  • Later life planning scheme (both international and onshore)
  • Beneficiary income plan (both international and onshore)
  • Excess income plan (both international and onshore)
  • Enterprise Investment Schemes
  • Whole of life contacts
  • Gift inter vivos

New cash pension recommendations including:

  • Personal retirement accounts
  • Corporate retirement accounts
  • Self-Invested Personal Pensions (SIPPs)
  • Trustee investment accounts

Protection planning including:

  • Level term assurance
  • Decreasing term assurance
  • Family income benefit
  • Relevant life
  • Business protection
  • Key man insurance
  • Private medical insurance
  • Income protection

Additional suitability letters:

  • InRetirement reviews
  • InRetirement initial letter
  • Mortgages
  • Cash ISA transfers

Ongoing advice reports:

  • Subsequential tax-free cash
  • Drawdown reviews
  • New business
  • Fund switches


Let our SJP Paraplanners free up your time whilst maintaining the exceptional care and attention to detail your firm is famed for.

Our paraplanning support service can be used as a standalone option. Alternatively, this can be combined with our PA packages, meaning we can see a piece of business through from start to finish.

Financial Services PA & Paraplanning Sign Up Form


  • I have no hesitation in recommending Virtual PA Solutions to any SJP Partner considering taking on admin staff.

    Darren Conlon-Dwyer
  • “I have been using VPA Services for 2 years now and have found it to be an efficient set up. I benefit from all year round cover and training from the staff which I used to have to manage myself before. The paraplanning service makes for a very joined up practice set up.”

    Elliot Ruby, Ruby Wealth Management
  • “I have been using VPA for over 6 years now. The model works perfectly for me. Having access to a virtual team gives my clients peace of mind that there is always someone on hand to support them with their queries. I think it’s the ultimate solution for the modern WFH world.”

    Jo Read, Langley Park Wealth


    Subscribe today, and we will promptly dispatch our detailed brochure to your email.