If you have more than £100,000 with St James Place, it’s time to review your decision.
There is numerous evidence that explains the costs and performance issues at SJP. You can read more here. However, if you have up to £100,000 invested, what you pay to SJP may be reasonable for the advice. SJP partners whilst promoting advice are paid based on the assets they manage or the products they sell. The problem starts when the underlying costs are more than the value of the advice.
As a rule of thumb, as soon as your assets with SJP are in excess of £100,000, use that indicator to start looking for better value options.