Together, Steve and Michelle have over 35 years of experience in advising across a comprehensive range of financial topics and a portfolio of tools and specific methodologies which are all tried and tested and help to bring clarity to finance.
Michelle Germain, DipPFS
Pensions, Business & Retirement Planning Expert
Michelle is a qualified financial professional and an experienced advisor with a specialism in Business and Retirement Planning.
Michelle embarked on her financial services career over 15 years ago,
when she moved from banking to providing mortgage advice within HSBC.
She continued to hone her expertise at Barclays and with an IFA before joining St. James's Place Wealth Management. This has all helped to shape her expertise, as she draws on a bank of knowledge across business and pensions investments to advise her clients.
Michelle holds the Advanced Financial Qualifications in Advanced Pensions, Drawdown Options, Personal Investment Planning and Business Investment Planning.
Her vision is to provide clarity for her customers, enabling them to benefit and maximise the wealth and growth of their investments and assets across both their professional and personal interests.
Michelle strongly believes in supporting the local community and business
environment. She is an active participant in local associations, community organisations and business networks including Before and After 6.
Most recently Michelle has joined the St. James's Place Charitable Foundation Committee and has organised an inaugural Ball raising £25,000 for charity.
Stephen Germain DipPFS
Estate Planning Services and Onshore Investment Expert
Stephen is a qualified financial professional and an experienced
advisor specialising in Estate Planning services and Onshore Investment
Stephen has been providing valuable financial advice to businesses and private clients for the over 20 years.
Having previously worked for HSBC ( where he met Michelle), Stephen was delighted to join St. James's Place Wealth Management.
He strongly believes that knowledge is power and his vision is to
empower his clients to be in a position to take control of their financial
He is thoroughly dedicated to providing long-term advice to clients, taking into account their personal aims and objectives alongside their financial needs and desires. His background in private client banking and expertise in investment management compliments Michelle’s to provide a well rounded proposition.
Stephen joined Michelle in the practice in 2006. They have two young boys who keep them busy through tennis, rugby and football. Stephen is currently learning the art of golf and hoping to hone his golf skills ready for client meetings on the golf course!
Michelle and Steve enjoy the community in Cheam as both residents and business owners.
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.