Financial planning can cause confusion for many people. We offer truly independent and professional advice on a wide range of services to help you plan the best strategy in achieving your financial goals.
We provide professional and bespoke tailored solutions on all aspects of financial planning to both private and corporate clients including:
• Investments and wealth management
• Individual and group retirement planning
• Inheritance tax planning
• Income and life protection
• Business protection
• Equity release
If you would like to know more about any of our services or how we can help, please call 029 2066 0565.
Whatever the economic climate, we will work with you to ensure you make the right choices when planning your financial portfolio. This will ensure you have the most suitable products in place for both your current and future needs.
As Independent Financial Advisers, we are not tied to any particular product or provider; as such we are able to search the market to give you totally impartial and competitive solutions according to your needs.
By providing a personal service, communicating promptly and free of complex financial jargon, we have received excellent customer reviews and have an increasing number of long-standing clients that trust us to provide them with financial advice throughout their life.
Our clients interests are paramount and we have designed dedicated systems and procedures to place you at the heart of the business.
Hugh James Independent Financial Advisers is Authorised and Regulated by the Financial Conduct Authority and Regulated by the Solicitors Regulation Authority. FCA number: 231167.
We provide independent specialist advice to recommend the most suitable and tax efficient investments for your income or capital needs.
Our service includes a wide range of investments such as; investment bonds, offshore bonds, unit trusts, ISAs, National Savings and Investments, and bank or building society deposit accounts.
It is important to start planning for your retirement early. We can provide advice on a range of tax efficient retirement planning products, such as:
From reviewing your existing pension arrangements; ensuring that they are on track to meet your income requirements in retirement; or helping you when you decide to take your retirement benefits, we can help find the most suitable retirement option to meet your personal circumstances.
An important part of financial planning is to arrange your financial affairs to minimise your liability to tax and maximise the estate you can pass onto your family.
We can help you make full use of tax efficient vehicles or strategies, to mitigate the impact of income tax and/or inheritance tax, and/or capital gains tax.
Our relationship with a specialist tax solicitor within Hugh James means we are able to provide advice on a number of tax issues including:
We have extensive knowledge and experience in all matters relating to trusts, and can assist you in the creation and management of any of the following trusts:
We can also offer a trust administration service to trustees to ensure the many administrative requirements of acting as a trustee are fulfilled, such as holding an annual meeting to discuss investments and filing tax returns.
We offer advice on a wide range of personal and business protection cover designed to cover you and your family for a variety of reasons.
This can include:
With over 4,000 mortgage deals available in the UK and some 150 lenders, it is clear that this is not a straightforward decision that should be taken lightly. The wrong choice could cost you thousands. Finding the right mortgage is a very important financial decision.
We work for you, not the lenders and can arrange mortgages, remortgages, buy to let mortgages and right to buy mortgages. Our dedicated mortgage adviser can help you find the financing package that specifically suits your circumstances, and help solve even the most difficult of cases. Our aim is to get the best overall deal for you based on, among other things, rate and product flexibility as well as your current and anticipated future circumstances. We promise to give you impartial advice and will answer any questions you may have.
We have an excellent track record in portfolio management and currently advise on client assets of over £110 million.
We work closely with market leading fund managers to develop long standing partnerships, helping our clients to build, assess and adjust their wealth as newer products are introduced and their own circumstances change over time.
Following your initial meetings and discussions, our advisers take an holistic approach and provide a single point of contact with you to help you decide on the level of advice, support and service that you feel comfortable with.
When recommending investment funds to clients we apply a selection process based on past performance as well as future indicators, as well as the current economic and political environment.
With a committed support team, we are able to deliver in-depth research to develop dynamic, bespoke and diverse portfolios aimed exclusively to suit our clients specific investment desires and attitudes.
Given the fast pace of change in today’s financial marketplace, our investment management service is designed to ensure your portfolio’s strategy is monitored and in the best financial position to maximise returns across your portfolio, whatever the market conditions, and maintain this by making any adjustments accordingly and effectively at each review period.
Whilst relatively small, our Independent Financial Advisors have drawn together an elite team of advisers and support staff to provide our clients with the highest level of customer service.
By combining the team’s skills, opinions, and specialities, we are able maximise individual strengths and complementary differences to provide a more rounded view for each client’s financial plan.
We have an excellent relationship with both legal advisers and insurance companies that we can confidently use as required. We believe this multi-disciplinary approach not only sets us apart from our competitors, but also provides our client with the best possible service.
As our clients, you are able to access your own personalised and secure website, managed by True Potential, where you can track and analyse all of your personal financial affairs 24/7, as well as communicate with us through a secure messaging service all in one convenient location. For ease of use, clients are now able to access their website through a range of devices including the web, iPhone, iPad and Android devices.
For our existing clients, please click here to access True Potential and login into your personalised website.
True Potential are one of the most innovative financial services platforms in the UK today, currently working with over 22% of the IFA market. They offer a unique technologically advanced approach to financial administration, compliance and client servicing support.
The True Potential Group has been recognised with several major industry awards; with most recent accolades including the ‘Leading Integrated Planning Tool’ with Morningstar at the Aberdeen UK Platform Awards 2013, The Platforms ‘Best Adviser Platform‘ for 2013 and ‘Best Support Service‘ at the 2013 Money Marketing Financial Services Awards.
Q. What does ‘Independent financial advice’ mean?
A. As Independent Financial Advisers, we are able to provide Independent Financial Advice’ to clients and recommend suitable financial products from the whole of the market. We are not tied or multi-tied to a product in the way that banks and building societies are. This means we can look at products available from the whole market as opposed to just a selection of insurance providers.
Q. What is the financial planning process?
A. There are four stages to the financial planning process we apply;
Initial consultation – Our initial free discussion is aimed to gauge an indication of your financial aims and objectives and for us to introduce ourselves and explain the levels of services we offer.
Recommendation – Our second appointment allows us to thoroughly explain our recommendation(s) to meet your needs.
Policy arrangement and implementation – Should you instruct us to proceed with any of our recommendations we will act for you in the following ways:
Review – At our initial consultation we will discuss the full range of our on-going levels of support depending on your needs. These services include, but are not limited to, providing you with:
Q. How much will it cost?
A. We recognise that not all clients have the same service requirements; we therefore provide a variety of services that allow you to choose the service that best suits your needs. At your free initial consultation we will discuss the anticipated costs in clear detail so that you are confident at each stage of the process.
Q. What if I don’t want to proceed after the initial meeting?
A. Following your initial meeting, there is no obligation to proceed.