DipPFS Certs CII (MP&ER)
Independent Financial Adviser
Newport
I am a fully independent financial adviser who initially joined the industry in 2013. I gained the knowledge and qualifications needed, and progressed through the ranks and have been advising clients since 2016. I have deep understanding of client needs and technical acumen as a Pension Transfer Specialist.
My key areas of expertise include pension and retirement planning (including defined benefit pensions), investment and wealth management, equity release and mortgages. I put my clients at the heart of everything I do ensuring that I operate with the highest level of integrity and transparency.
I am huge believer in the family test, you give your advice as if you are giving it to a family member sat opposite in the same position. This is the ultimate test that you are doing your job correctly and in the best interest of every person I meet.
Financial advice can be a tricky area to navigate therefore I try to ensure all clients not only have a robust bespoke financial plan in place but also take the time to educate clients on the journey so they understand why I am making specific recommendations. You work all your life to accrue wealth its important clients understand why decisions are being advised.
I specialise in the following advice services:
Defined Benefit Transfer Specialist
If you have a Defined Benefit or Final Salary pension scheme, there may be individual circumstances where a pension transfer could be advantageous.
Equity Release
Equity release is a way for homeowners over the age of 55 to release value from their home in the form of cash without having to sell or move.
Investment & Wealth Management
Creating, growing, and then maintaining wealth is key to successful financial planning and should be part of a longer-term investment strategy.
Later Life & Estate Planning
We spend a lifetime building our wealth, so it’s important to find the most effective way to protect your assets, in order for you to pass them on to those you love as efficiently as possible.
Lifetime Financial Planning
Through the use of sophisticated cash flow modelling techniques and by applying various inflation, interest rate and growth assumption we can plan how to get you where you want to be. The use of cashflow modelling is becoming the cornerstone of effective lifetime planning.
Mortgage Planning
Securing the right mortgage can make the difference between a property that becomes a happy and secure family home and one that ends up as a financial burden.
Pension & Retirement Planning
When you think about the future, what does your retirement look like to you? An important question which we can help you answer.
Personal Protection
Talking about illness, disability or death is never an easy conversation to have but protecting against the unexpected will help with financial security and ensure your family can cope should the worst happen.
Wills & Power of Attorney
Making a Will is essential to ensuring that your wealth benefits those whom you choose and is not taken by taxation, unnecessary legal costs and beneficiaries chosen by the law.
Workplace Pensions
As an employer, you must auto-enrol certain staff into a workplace pension scheme and contribute towards it in order to meet legislative obligations.
Contact James Baker, your local adviser
We'll work with you to build a personal financial plan that's designed to help you achieve your individual ambitions.