About Michelle Germain

Michelle Germain


Pensions, Business & Retirement Planning Expert

Michelle is a qualified financial professional and an experienced adviser 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.

Your home may be repossessed if you do not keep up repayments on your mortgage.


Prestigious industry status recognises the value I place on my development and gives clients the confidence that they are supported by one of the UK’s leading wealth professionals.

Click on the accreditations for more information

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The Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website www.sjp.co.uk/products. The ‘St. James's Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James's Place representatives.

Germain Financial Associates is a trading name of Germain Wealth Management Ltd. Germain Wealth Management Ltd is registered in England and Wales, Number 06701122. Registered Office: Germain Wealth Management ltd, 19 Montpelier Avenue, Bexley, Kent, DA5 3AP.