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Financial Planning 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:
Specialist Advice
Financial Settlement on Divorce James Oram is accredited by Resolution. He will advise on financial settlements on divorce including collaborative divorce.
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 Services Authority (FSA).
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.
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. Read more>>Trusts, Charities and Not for Profit Organisations
Whether you are a small community group, trustees of a larger charity or those responsible for an organisation’s resources you will have a duty of care. James Oram has experience of advising trusts as a financial planner as well as serving in a professional capacity as a director of a trustee company for a number of years and as an independent financial examiner for a local charity. In a personal capacity he works for two not for profit organisations as treasurer and secretary. Carrying out a review of your investment policy and investments will help you meet these obligations. This can cover:
Our service can be a one off review which includes formulation of a long term internal policy and procedures or an ongoing service. A report may cover the following points:
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James Oram is authorised and regulated by the Financial Services Authority