Insights

Plain English,
on how it works.

Explanations of how financial regulation and the industry around it actually function.

You will not find market commentary or views on particular investments here. That would be advice, and we are not authorised to give it.

Explainer

What “regulated advice” actually means

The difference between general information and a personal recommendation, and why it determines your protection.

5 min read Explainer

How to check a firm on the FCA Register

A short, practical walkthrough of the Financial Services Register — and the checks most people skip.

4 min read
A note on scope

Explanations, not opinions.

Everything here describes how something works. None of it tells you what to do with your own money — that is a personal recommendation, and it must come from a firm authorised by the FCA.

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Your details are used only to respond to your enquiry — see our privacy policy. St James Finance Ltd is not authorised or regulated by the FCA, and nothing here constitutes investment advice.