Services tailored to your needs.

THE VALUE OF INVESTMENTS AND INCOME FROM THEM CAN FALL AS WELL AS RISE AND YOU MAY NOT GET BACK THE AMOUNT ORIGINALLY INVESTED.

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Pension Services

1

Retirement Planning

Our team collaborates closely with you to define your retirement goals and devise a personalised strategy. We assess your current financial status and project your future needs to ensure a comfortable retirement.

2

Pension Reviews

With expertise in various pension schemes, including personal and workplace pensions, we conduct thorough reviews to optimise your retirement savings. Our pension advisers elucidate all aspects of your pensions, from contributions to tax implications, and address any queries you may have.

3

Pension Consolidation

Managing multiple pensions can be overwhelming. We simplify this process with strategic consolidation advice, streamlining your pensions into a single manageable plan. This often results in cost savings and improved investment outcomes.

4

SIPP (Self-Invested Personal Pension) Advice

We also provide expert guidance on SIPPs for those seeking greater control over their pension investments. This involves assisting you in navigating the array of investment choices available and ensuring they align with your risk tolerance and retirement goals.

5

Annuities and Drawdowns

Deciding how to access your pension savings is a crucial step. Our team offers expert insights into annuities and drawdown plans, outlining the benefits and risks of each option to empower your decision-making.

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THE VALUE OF INVESTMENTS AND INCOME FROM THEM CAN FALL AS WELL AS RISE AND YOU MAY NOT GET BACK THE AMOUNT ORIGINALLY INVESTED.

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Investment Management

We appreciate the responsibility entrusted to us when tasked with managing your wealth. These represent your life's savings, your retirement funds, and your future. We never take this trust for granted.

Navigating investment management can often obscure the bigger picture. Each investment manager tends to offer well-rehearsed visions of the future, accompanied by flashy line charts depicting an upward trajectory.

Creating wealth through investment is straightforward in theory, but not always in practice. Emily James is dedicated to helping you steer clear of significant errors, poor investments, and costly trends. We pledge to keep things straightforward – no convoluted terminology, just sensible, time-tested investment principles. Principles that we adhere to ourselves.

1

Bespoke Portfolios

Your circumstances and objectives are individual to you, and your investment portfolio must align with your financial planning. The optimal portfolio arises from this alignment, positioning you for future success.

2

Tax Efficiency

Tax efficiency is a cornerstone of our investment strategies. We meticulously consider various tax-efficient 'wrappers', such as ISAs and pensions, as well as maximizing your tax reliefs and allowances.

3

Ongoing Support

Achieving success in long-term investing will naturally encounter short-term fluctuations. We're here consistently, ready to offer guidance and support, always prioritising the bigger picture to steer clear of costly mistakes. With regular reviews and a dedicated point of contact, we ensure your investment journey remains on track.

THE VALUE OF INVESTMENTS AND INCOME FROM THEM CAN FALL AS WELL AS RISE AND YOU MAY NOT GET BACK THE AMOUNT ORIGINALLY INVESTED.

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High Net Worth Wealth Management & Planning

The Value of Specialised Financial Advice for High-Net-Worth individuals

For High-Net-Worth Individuals (HNIs), the path to financial success is distinctive and demanding. It requires more than just financial guidance - it calls for a tailored, personalised approach that considers their specific financial circumstances, goals, and aspirations. This is where specialised financial advice becomes invaluable.

Importance of Customised Financial Advice for HNIs

HNIs encounter financial complexities beyond those of the average individual. Their considerable wealth brings forth a multitude of challenges and opportunities that demand a nuanced understanding.

Here’s why customised financial advice is crucial:

  • Standard financial planning approaches don't suffice for HNIs. Their financial plans need to be customised to match their unique objectives, whether it's tax optimisation, wealth preservation, estate planning, or retirement security.

  • HNIs often hold diverse asset portfolios. Balancing risk effectively while maximising returns requires specialised expertise.

  • Taxation for HNIs can be intricate, and minimising tax liabilities is a top priority. Tailor-made strategies are essential to navigate complex tax regulations and optimise financial positions.

  • Many HNIs aim to leave a lasting legacy for their heirs or support charitable causes. This calls for meticulous planning and wealth transfer strategies.

  • HNIs require timely market insights and investment strategies that align with their risk tolerance and long-term goals.

In the realm of high finance, there's no substitute for specialised financial advice. At Emily James, we are your partners in achieving financial success tailored to your unique needs. Let us assist you in navigating the intricacies of wealth management, tax planning, and investment strategies so you can focus on what matters most to you.

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Mortgage Services

PLEASE NOTE YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

  • Are you on the hunt for the most competitive mortgage rates tailored for first-time buyers? Maybe you're seeking guidance on the optimal mortgage products for your needs? Our team of expert brokers is primed to offer comprehensive advice and assistance throughout your mortgage application journey.

  • Navigating the remortgage market can be a daunting task. But fear not! At Emily James, we're here to alleviate the stress. Our mission is simple: to secure the most fitting and competitive remortgage for you. Leave the heavy lifting to us. Best of all... we do not charge a broker fee for our services.

  • In need of a buy-to-let mortgage? Look no further! Our team of buy-to-let mortgage specialists is here to scour the market and locate the perfect deal for your needs. Feeling overwhelmed by the myriad of costs and charges? Don't worry! Our seasoned professionals are ready to guide you through the process, ensuring you're fully informed before making any commitments.

  • A Mortgage in Principle (MIP), also known as a Decision in Principle (DIP) or Agreement in Principle (AIP), is a preliminary indication from a mortgage lender of how much they might be willing to lend you based on a cursory assessment of your financial situation.

    It's not a guarantee of a mortgage offer, but it can give you a good idea of how much you could borrow, which can be helpful when house hunting.

    At Emily James, we offer the service of obtaining a Mortgage in Principle for free. If you're unsure about the MIP process or where to begin, our team is here to provide guidance and support every step of the way. Just let us know, and we'll assist you in getting

    started on the right foot.

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Protection Services

In our capacity as independent financial advisers, we understand the necessity of engaging in challenging conversations with clients and their families. Conversations surrounding critical illness, income protection, and life insurance are undoubtedly among these crucial discussions. Recognising the value of life, critical illness, and income protection insurance is paramount. These policies form integral components of your comprehensive wealth management strategy.

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    Life Insurance

    Life insurance serves as a vital financial tool, offering protection and peace of mind for you and your loved ones. It provides a lump sum payment in the event of your death, helping to alleviate financial strain during a difficult time.

    As your financial circumstances evolve, it's crucial to evaluate and adjust your insurance cover accordingly. This includes both increasing and decreasing the level of coverage to align with your changing needs, particularly as you age. It's essential to consider the nuances of multiple life insurance policies, as there may be restrictions or alternative structures to optimise your coverage.

    Our team is equipped to offer tailored guidance to navigate these intricacies and ensure your life insurance arrangements effectively safeguard your financial well-being.

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    Critical Illness

    Critical illness cover provides invaluable financial protection by offering a lump sum payout upon diagnosis of serious illnesses like cancer, heart attacks, strokes, and paralysis. This coverage can be structured to mitigate income loss and address additional expenses such as medical costs.

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    Income Protection

    Income protection is an essential component of long-term financial planning. This type of cover is designed to provide a regular income if you're unable to work due to illness or disability. Depending on the specifics outlined in your policy, you can expect to receive financial support until you're able to return to work or retire.

    The level of financial assistance offered is adjustable, but it's important to note that this flexibility will affect the premiums you pay. When considering the bigger picture, income protection cover is indispensable for many individuals, particularly those who are self-employed.

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Intergenerational Planning

Securing financial legacy for you and your family.

Intergenerational planning entails transferring your wealth to loved ones in a secure and efficient manner. Traditionally, wealth transitioned from one generation to the next after death. However, today, many wish to utilize their assets to support family members during their lifetime and witness the benefits firsthand.

Our dedicated team of Financial Planners offers expert advice on optimizing financial strategies and estate and Inheritance Tax planning to benefit future generations.

For those exploring ways to share their wealth with children and grandchildren, consulting with a specialist intergenerational wealth manager can be transformative. At Emily James, we assist you in devising a financial plan that safeguards assets for future generations while allowing you to enjoy sharing your wealth during your lifetime.

We recognize the deeply personal and individual nature of our clients’ intergenerational planning aspirations. That's why we collaborate closely with you to craft a bespoke financial plan tailored to your family's circumstances. This may involve establishing trusts, making gifts, pursuing long-term investments, or securing insurance policies to instil security and longevity into your intergenerational plan in the most tax-efficient manner. Regardless of your chosen path, our Financial Planners are here to elucidate potential benefits and risks, steer your decisions, and provide ongoing progress assessments.

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