Our core focus is to listen to our clients and use the tools and skills we have available to make tailor made recommendations and solutions to meet your individual views and circumstances. With the overall goal to make your life that little easier having someone to guide you through your financial planning.
From simply saving you money by reducing the cost of your insurances to helping you plan and invest for retirement, we provide fully independent advice focused on your individual needs and objectives.
James Thorne | Advisor Gillingham Office
James specialises in mortgages and family protection. He guides his clients through the somewhat daunting mortgage process and keeps things simple to follow, with a view to developing a long term relationship.
James can help people who are first time buyers, looking to remortgage an existing home, or need bridging finance. He is also experienced in shared ownership schemes and mortgages into retirement.
Being an independent adviser, James can find a lender from the whole market.
James has a broad knowledge regarding commercial property purchases and can provide advice on short term finance, secured loans and commerical mortgages.
While arranging your mortgage, James can also help with other important elements such as sourcing the most suitable life insurance for your family.
James lives in Gillingham with his Wife and two children. He is a keen mountain biker, and enjoys cycling the woodland trails around King Alfred’s Tower and Longleat.
Send James a message
How can we help you?
- Investment Advice
- Retirement Options
- Pension Advice
- Mortgage Advice
- Life Assurance & Protection Advice
Some of the core objectives many people have with their capital are:
To get a decent return on the money
To preserve their capital
To avoid paying tax
To grow the money in real terms ahead of inflation
We use our professional experience and expertise to show you ways that can increase the returns on your savings and investments, with the aim of getting a real (above inflation) return.
We advise you to identify the investment options that are right for you, helping to match your specific set of objectives and circumstances to make the most from your capital.
We talk with you and understand what types of risks you are and are not happy with to ensure that any investment is suitable and you.
It is time to do something with your pension and with pensions now more flexible and accessible than ever before, there are far more retirement options to choose from. We will help you to understand these options and which option is right for you. We run independent comparisons against your existing pensions, using the whole market, to help you get the very highest level of income from your pension, ensuring you have the most comfortable retirement possible.
We take into account factors such as what income you need and how that will change in the future, the need to pass your pension onto your spouse and loved ones, the need to access capital lump sums from your pension and how to protect your pension against inflation.
It can be hard to think as far forward as retirement, however in a blink of an eye it will be fast approaching and if you haven’t made pension provisions for this it can mean that your standard of living will drop significantly, or you will have to continue to work until a much older age.
With the state pension now at an older age and with the likelihood of this increasing to an even older age in the future, personal pensions are becoming even more important.
The sooner you start a pension the easier it is. We will advise you and help you understand which pension is right for you and how that pension should be invested to give you the best return. We will show you what level of income this could provide in retirement and what level of contribution you should make to obtain a certain goal.
Buying a house can be a complicated and drawn-out process. This is not helped by the fact that the mortgage can be complicated and with mortgage lenders all having different criteria (which means where one would say no, another could say yes!). We use our independent research software and industry experience to advise you to the very lowest mortgage deal so that you are applying for the mortgage that is right for your specific set of circumstances.
Whether you are a first time buyer, moving house or re-mortgaging, our aim is to save you time, stress and money.
No one likes to think about dying…....
However it is a fact of life and it will come to us all in the end. We want to make sure that if something should happen to you, the ones you leave behind are financially protected. Our aim, using our independent research tools, is to find you the right cover and the lowest possible price to ensure you are covered properly.
How do we provide you with independent advice?
We provide a face-to-face consultation. We take the time in this meeting to understand your needs and help you to understand the options available. Our aims for this meeting is to put you in a more informed position and also for you to get to know us and see how we conduct ourselves.
We will meet at a time convenient to you and come and see you at a location of your choice (usually your home where you have all the information/documents at hand you wish to discuss).
We will talk through your circumstances with you and discuss the topic you are looking for advice on to get a better idea of what you need. If further information and research is required we will do this for you and book a second meeting to talk this through.
We never believe in pressuring clients; just providing open, honest, robust advice and you have no obligation to use our services. We only take on clients that we can add value to and want to form that relationship with us.
Once we have taken you on as a client we will keep in contact with you. The regularity of this will depend on the type of advice you need from us. However we will be on hand whenever you need us.
If you are looking for independent advice on:
- Retirement Options
- Life Assurance
Then simply request a free consultation with Paul by filling in the short form. He will then be in contact shortly to discuss things further with you.