Many of our clients reach a point in their lives when they would like to review the financial arrangements they have established to date as well as create a more structured plan for the future. Based on a comprehensive analysis, we shall develop customised strategies to help you manage your financial affairs according to your situation in life. The results of this are set out in a detailed written report.

We shall show you how you can make efficient use of your capital and financial arrangements and understand and manage risks. These measures will potentially reduce tax liabilities and product charges and revive your investments.

Many of our clients reach a point in their lives when they would like to review the financial arrangements they have established to date as well as create a more structured plan for the future. Based on a comprehensive analysis, we shall develop customised strategies to help you manage your financial affairs according to your situation in life. The results of this are set out in a detailed written report.

We shall show you how you can make efficient use of your capital and financial arrangements and understand and manage risks. These measures will potentially reduce tax liabilities and product charges and revive your investments.

Focused Advice

We can advise you on specific areas of concern. For example:

  • Pension planning – reviewing schemes, starting a scheme
  • Redundancy advice – pensions and benefits, tax
  • Retirement planning – drawing income from assets
  • Inheritance planning – avoiding tax & planning estates
  • Tax planning – income, capital gains and inheritance tax
  • Investment review – asset allocation, performance review
  • Insurance- reviewing existing life & health insurance, advising on and arranging new policies
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Specialist Advice

Pension Transfers and Occupational Schemes

James Oram holds the G60 pensions qualification and has extensive experience of advising on pensions including occupational schemes and pension transfers. He is registered as a pension transfer specialist by the Financial Conduct Authority (FCA).

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Self Invested Personal Pensions (SIPP)

James Oram has served as a director of a trustee company specialising in the provision and administration of SIPPs. He has wide-ranging experience of advising on SIPPs including investment in property and unquoted shares.

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Life & Health Insurance

Making provision for your dependents should you die prematurely or protecting your lifestyle should you suffer a serious or long term illness is an essential part of financial planning. Business owners may want to cover key persons within their firm should they die or suffer from a long term illness. Insurance can also be arranged to provide funds for shareholder protection if the owners die or become ill.

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