I am a Chartered Financial Planner with over 25 years of experience in the industry. I began my career at HSBC, where I provided mortgage advice, before moving on to work at Barclays at a corporate adviser level and with an IFA. In 2004 I joined St. James’s Place and quickly became a Senior Partner.

My diverse background has given me a wealth of knowledge and expertise in business and pensions investments, which I draw upon to provide comprehensive advice to my clients.

My vision is to provide clarity and guidance to my clients, helping them to maximise the growth and potential of their investments and assets. I believe in building strong, long-term relationships with my clients based on trust, transparency, and open communication.

In addition to my professional work, I am also committed to giving back to the community. I am an active participant in local associations, community organisations, and business networks. I have been a member of the St. James's Place Charitable Foundation Committee and organised multiple charity events that raised over £200,000. I believe my dedication to both my clients and my local community is a testament to my values of integrity, compassion, and excellence.

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.

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Michelle Germain

Principal, Senior Partner and Chartered Financial Planner

Michelle Germain

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