Gary Meloy
Financial Advisor
Profile Summary
With over 30 years of experience in the financial services industry, I am a lifestyle and financial planning professional who is highly customer-focused and proactive in helping individuals and businesses achieve their financial goals. My advice covers all areas of wealth management, including: Retirement planning Investment planning Wealth management and preservation Inheritance Tax planning Mortgages and protection As a Senior Financial Adviser with St. James’s Place Wealth Management, I place a strong emphasis on building long-term relationships with my clients, providing a trusted source of advice as their financial needs evolve over time. If you would like an informal, no-obligation conversation, please feel free to connect with me on LinkedIn or via this website.
Investment & Financial Services Offered
Investments and Savings
Get help to potentially generate a better return on your savings, with a full range of investment options which could include equities, funds and bonds.
Pensions
Get help on making a plan for a comfortable retirement; whether it's starting a pension or understanding how much you should be contributing to one.
Mortgages
Get help with everything from buying your first property, to remortgaging, or funding investment in property.
Retirement income (annuities, drawdown)
Get help understanding and evaluating annuities vs. drawdown, or discussing the other available retirement income options for you.
Inheritance Planning
Get help with planning your inheritance and understanding the tax implications of an inheritance you leave, or accessing an inheritance you have received.
Equity Release
Get help with understanding your options for releasing equity from your home. Understand the main options, the costs associated and the long term implications of each option. Equity release will reduce the value of your estate and could affect eligibility to means tested benefits. Your adviser should be able to assess and explain this to you.
Equity Release
Get help with understanding your options for releasing equity from your home. Understand the main options, the costs associated and the long term implications of each option. Equity release will reduce the value of your estate and could affect eligibility to means tested benefits. Your adviser should be able to assess and explain this to you.
Insurance and Protection
Get help to understand the best level of life cover, critical illness cover and income protection for you.
Long Term Care
Get help with understanding the options you have to fund yours or a loved one's long term care.
Who Gary Meloy Works With
I work with a wide range of clients, including individuals, families, and business owners, who are seeking clear, practical, and personalised financial advice. My clients typically include: Professionals and executives looking for guidance on retirement planning, investments, and wealth preservation. Business owners who want advice on protecting their business, managing key risks, and planning for long-term financial security. Individuals and families planning for later life who want to ensure their wealth is preserved and passed on efficiently. Time-poor clients who value a trusted adviser to manage the complexities of their finances while keeping them fully informed. I focus on building long-term relationships so that I can provide advice that evolves with your changing circumstances, helping you achieve your financial goals with confidence.
Investment Philosophy & Approach
My approach to investing is long-term, disciplined, and tailored to each client’s individual needs. I believe that successful financial planning isn’t just about chasing short-term gains—it’s about building a strategy that aligns with your goals, risk tolerance, and life circumstances. I focus on: Diversification – spreading investments across different assets to manage risk effectively. Suitability – ensuring every recommendation is appropriate for your financial situation and objectives. Ongoing review – regularly monitoring and adjusting your portfolio to reflect changes in the market or your personal circumstances. Clarity and understanding – taking complex financial concepts and explaining them in simple, practical terms so you can make informed decisions. My goal is to provide you with a robust, flexible investment strategy that supports your long-term wealth goals, preserves your capital where possible, and gives you confidence in your financial future.
Qualifications & Professional Memberships
- CII - Certificate in Equity Release
- CII - Certificate in Life and Pensions
- CII - Level 4 Diploma in Financial Planning
- CII Level 3 Award in Long Term Care Insurance (QCF)
- CII - Certificate Member of the Society of Mortgage Professionals
- CII - Level 3 Certificate in Mortgage Advice
Fees & Charging Structure
When you invest with St. James's Place you pay for the advice and the products recommended. You will receive a personalised illustration which sets out how these charges apply to your specific investment from your St. James's Place Partner prior to you making an investment and incurring any of these charges
Areas Served
Aldwych, UK
Frequently Asked Questions
Who do you work with?
I work with individuals, families, and business owners who are seeking personalised, practical financial advice. My clients often value long-term relationships and prefer guidance that adapts as their financial needs change over time.
What services do you provide?
I provide advice across all areas of wealth management, including: Retirement planning Investment planning and portfolio management Wealth preservation and Inheritance Tax planning Mortgages and property finance Protection and insurance solutions
What is your investment philosophy?
My investment approach is long-term, disciplined, and tailored to each client. I focus on diversification, suitability, and regular reviews to ensure your portfolio remains aligned with your goals, risk tolerance, and life circumstances. I also make sure you fully understand every aspect of your plan.
How are your fees structured?
For investment and pension advice, I use a tiered fee structure based on the value of assets being advised on, with ongoing fees aligned to your portfolio value and service level. For mortgages and insurance, I am typically paid by commission from the provider, and any additional fees are agreed with you upfront. All charges are transparent and applied only with your consent.
What are the risks involved?
Investments can rise or fall in value, and you may get back less than you invested. I carefully consider your risk tolerance and the suitability of any recommendations before proceeding.
How do I get started?
The best first step is to arrange an informal, no-obligation chat with me. We can discuss your goals, review your current situation, and explore how I can help create a clear, practical plan tailored to your needs.