0208 042 0200

Thomson Private Wealth is dedicated
to helping High Net Worth families
build and preserve their wealth
throughout the generations.

about Us

We specialise in meeting the wealth management needs of families who have created significant capital, or who earn higher incomes, and whose circumstances are therefore more complicated than most. All our costs and charges are fully transparent and competitive, whilst we believe our performance management is rigorous and industry-beating.

We provide a Multi-Family Office approach which includes a full spectrum of wealth services from investment management through to tax efficient structuring, succession planning, pensions, specialist lending & insurance, philanthropy and access to cash management facilities.

We help our clients to create a structured financial plan with the aim of mitigating income, capital gains and Inheritance Tax within the parameters of their individual circumstances. Whether clients want to grow their wealth or receive a regular income, we aim to help them obtain the best possible net returns on their capital in relation to their tolerance to risk and investment objectives.

We also place a strong emphasis on estate planning, in particular ensuring as far as possible, that family assets are protected against third party claims.

We have worldwide experience with clients who hold assets across multiple jurisdictions, and we are able to accommodate non-domiciled UK residents by using Guernsey or Dublin for offshore custody (and also US clients via a referral to one of our affiliated organisations).

Thomson Private Wealth is a Partner Practice of St. James’s Place Wealth Management, in particular we work closely with their High Net Worth Private Client division.

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 depends on individual circumstances.

our goals

A Multi-Family Office
type relationship with the Thomson Private Wealth team

One Wealth Manager
providing an overall tax strategy working 'hand in hand' with your accountants

One overarching
investment strategy with daily monitoring & pricing of investments

Fully transparent
charging structure & performance monitoring

Maximising usage of tax allowances
(which can be difficult across multiple firms)

Clear income plan
Inheritance Tax & family succession plan

Total visibility
of family balance sheet & performance through St. James's Place online wealth account

All advice & suitability guaranteed
& assured by a FTSE100 company, namely St. James's Place#.

#  ‘St. James’s Place guarantees the suitability of the advice given by members of the St. James’s Place Partnership when recommending any of the wealth management products and services available from companies in the group, more details of which are set out on the Group’s website.’

meet The Team


As a Member of the St. James’s Place Partnership, we have access to a number of key individuals within the St. James’s Place High Net Worth Division, including those shown below, who play an important role in providing support to our business.

Client Area

To access your account please click the desired service below – please note it will open the external website in a new window or tab.

our services

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 reliefs depends on individual circumstances.


Toby Thomson

Chartered MCSI


Toby has over a decade of experience in the investment industry. At his previous firm Toby was Head of Client Relations and managed a team of ten investment managers, as well as running his own book of clients totalling £120m AUM.

His main background was in discretionary portfolio management however he is thrilled to be able to offer a full range of wealth planning services in conjunction with the St. James’s Place High Net Worth Private Client offering.

His main interests are economic history, politics and geopolitics.

In a previous life he was also a highly accomplished sportsman, playing rugby and boxing at County and semi-pro level. He is married with one baby girl called Kitty.

Tel: 0208 042 0200 / 07868 036562

David Ratcliffe

Financial Planner DipPFS

Dave joined Thomson Private Wealth in June of 2018 after three years of experience in the banking industry.

At his previous St. James’s Place Practice he worked as a financial Paraplanner, providing solutions for both clients and advisers as well as liaising with the compliance division at St. James’s Place Head Office. Following his graduation from the Next Generation Academy, Dave is now a fully qualified financial adviser with the Chartered Insurance Institute (CII).

Dave originates from Hertfordshire and went to school in Cambridge. He read Economics & Geography at The University of Nottingham and has recently become engaged to his fiancée Jade. Outside of work he loves to travel, play golf and enjoys supporting Arsenal (sadly). Besides Finance & Economics, his other interests lie in Technology and Film.

Tel: 0208 042 0200

Ruth Careaga

Financial Planner DipPFS & Cert II

After five years of experience in the financial services industry Ruth Careaga initially joined Thomson Private Wealth as a financial Paraplanner. She owns a wealth of experience, knowledge and compliance skills within the field of Investment Planning.

Her keen attention to detail enables Ruth to support Thomson Private Wealth across all key areas, efficiently assisting the team to service and deliver bespoke solutions for our clients.

Ruth holds qualifications awarded from the Chartered Institute for Securities and Investments and since completing her CII Diploma in Regulated Financial Planning she now works as a mortgage and financial adviser.
Ruth holds strong beliefs in healthy living and is a keen supporter of Climate Change awareness in her home country of Patagonia, Argentina.

Tel: 0208 042 0200

Fernanda Thomson

Practice Manager

Fernanda joined Thomson Private Wealth bringing with her previous experience in administration of small-scale enterprises, project management and programming.

Having studied Information Systems and Management, Architecture with Architectural Engineering (BSc Hons) and MA in Architecture at UCL, she adds a multitude of skills when dealing with the day-to-day running of the Practice. Her aim is to provide our clients a consistent level of service with a strong focus on customer care. She is mother of a sweet toddler and keen on technology and property development with an eye for detail.

Tel: 0208 042 0200

Richard Whinder


Richard joined Thomson Private Wealth in January 2021 as a Paraplanner. He began his career working for one of the major insurers, before going on to manage a department in a Surrey based law firm for several years.

Prior to joining the team, he spent seven years working for the financial services’ dispute resolution body, managing teams dealing with complex pensions and investments cases. He is passionate about doing the right thing and led a variety of projects working with businesses to help ensure customers are treated fairly.

He originates from London and read Philosophy at Bristol University. He particularly enjoyed the works of Descartes and Wittgenstein and had many a lively debate with his fellow students about the merits and shortcomings of their philosophies.

In his free time, he is a keen tennis player, a half-decent skier and a very average wind surfer. He follows a variety of sports, particularly cricket and football. He’s a bit of a film buff and regularly goes to the theatre. He also enjoys hiking, reading and spending time with his family.

Tel: 0208 042 0200

Alexandra Loydon

Head of Private Client Proposition

Alexandra is a Divisional Director within the Private Client Division at St. James’s Place. She is a Private client Lawyer and assists with advising high net worth UK and non-UK domiciled clients on a wide range of tax and estate planning issues.

She is highly experienced in advising upon the structures to hold, protect and pass on wealth. She has particular experience in integrating personal and business succession issues for business owners and also has responsibility for our Philanthropy Team.

Alex is a member of STEP, The Society of Trust and Estate Practitioners.

Andrew A Dixon

Head of Private Client Advice

Andrew is the Head of Private Client Advice at St. James’s Place. Andrew is highly skilled in wealth management, inheritance tax and estate planning, tax mitigation, retirement planning and working with owner managed businesses and entrepreneurs.

As head of Private Client Advice, he runs a substantial team of financial planning consultants all of whom work closely with clients. Andrew has over 30 years experience in private client and corporate financial services most recently joining St. James’s Place in 2005 from Barclays.

Andrew is a Fellow of the Chartered Insurance Institute and the Personal Finance Society.

Gavin McGhee

Wealth Management Consultant

Gavin joined St. James’s Place Wealth Management in 2001 working as part of the Investment Management Division supporting the Partnership and their clients to help maximise the potential benefits of St. James’s Place distinctive approach to investment management.

Over the last 15 years Gavin has continued to offer bespoke consultancy to Partners and their clients to help them navigate the world of financial planning, specialising in Wealth & Estate solutions. Recognised as being able to convey complex ideas & concepts clearly & succinctly he is highly valued for his seminar speaking and one to one meetings.

Simon Wilkins

Head of Consultancy

Simon is the Head of Consultancy in the Private Client Division of St. James’s Place where he has a key focus on delivering specialist consultancy solutions to wealthy families with complex affairs. Simon has over 30 years finance experience including working as an adviser in the high net worth and corporate markets before specialising in technical and skills development.

Simon Joined St. James’s Place Wealth Management in 2013 from Zurich Financial Services where he was responsible for leading the Protection Marketing Team and providing technical expertise to a range of adviser networks.

HNW Financial Planning

Whether the objectives for your capital are for Income, Growth or a combination of these we have a wide range of solutions to help you achieve your family’s financial goals and cash-flow needs. Through our high quality, holistic advice process we will explore which investments & styles could most benefit your circumstances over a specified time horizon, whilst always aiming to limit your exposure to Income Tax, Capital Gains Tax, or Inheritance Tax liabilities.

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 reliefs depends on individual circumstances.

Investment Management

Whatever your objectives, we will work with you to design an investment plan to take you closer to them by explaining the various options and how they can work for you. By choosing to use St. James’s Place’s carefully constructed funds & portfolios, a bespoke and diverse global range of asset classes is available.

Our investment guidance can include anything from Family Investment Companies, Unit Trusts, ISAs through to Offshore Investment Bonds or Rowan Dartington, St. James’s Places’s Stockbroking & Discretionary Fund Management arm.

The value of an investment with St. James’s Place and Rowan Dartington can fall as well as rise. You may get back less than you invested.

Currency movements may also affect the value of investments.

Succession & Intergenerational Planning

With Inheritance Tax at painful levels, the impact on your estate, and what you can leave to your beneficiaries, can be substantial. We have several options including the creation of Bare/Discretionary Trust structures to transfer assets out of your estate, whilst also retaining an income stream if required. We also work with leading law firms though which we can offer specialised legal services such as complex wills & Trusts, dealing with matrimonial tax issues and providing professional Trustee services.  We also provide a ‘Next Generation Investor’ programme for children & grandchildren.

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.

Will writing involves the referral to a service that is separate and distinct to those offered by St. James’s Place. Wills and Trusts are not regulated by the Financial Conduct Authority.

Retirement Planning

Whether you are setting up new retirement strategies or reviewing existing schemes we have a breadth of solutions to help you maximise the tax efficiency of your pensions and ultimately your benefits at retirement. Whether you are employing others or already in retirement, we will work with you to optimise your tax relief whilst being careful to not exceed any of the pension allowances that have been introduced.

The value of an investment with St. James’s Places 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 reliefs depends on individual circumstances.


For clients who are keen on charitable endeavours we work with the St. James’s Place Private Client philanthropy service. They can offer bespoke advice through the Charities Aid Foundation (CAF), helping you to make sure your giving is rewarding and effective. We aim to maximise the awareness of your giving, and efficiently support the causes and communities you believe in.

Cash Management

Maintaining liquidity in a low-interest rate environment can be challenging. Whether you are looking to work cash reserves harder for a ‘rainy day’, diversifying between multiple deposit providers or you need a substantially larger amount for whatever reason, we can help you access solutions possible at the most competitive rates for either private or corporate cash.

Specialist Lending

If you have a requirement to borrow (subject to eligibility), you might be able to use your St. James’s Place Investments as security for a short-term loan. This flexible lending facility may be made available to private clients, Trusts and corporate clients. For longer term borrowing we have several close private-banking relationships who can provide secured lending.

Please note that if the value of the investment falls in relation to the agreed loan facility, the loan may need to be repaid in full. A charge will be taken over your investments and you will be unable to make any withdrawals from your charged investments without prior approval from the relevant bank. Rates and charges will apply, please get in touch for full details.

Secure Document Portal

We provide our clients with a secure cloud-based solution that enables you to have an ‘online filing cabinet’ where you can store all your personal documentation in one place, accessible wherever you are. It ensures secure 2-way collaboration, allowing us to instantly share documents with each other in a secure environment.

Businesses Owners

We provide assistance with optimising business structures and how to make the most of the tax reliefs, pension scheme arrangements and estate planning opportunities that may be available to them. From Key Person & Shareholder Protection through to Profit Extraction and Business Relief we can ensure that at any stage in the business cycle, be it creation, organisation change or sale, there are a wide range of solutions that can be explored to meet your objectives.

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.