J L M Independent Wealth Management Ltd

Independent Financial Adviser  21a Churchyard, Hitchin, Hertfordshire, SG5 1HP
First meeting at adviser's own cost
We offer a no-nonsense approach to independent financial planning. Only ever fee based, first meeting is without cost or obligation.
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Building your home
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Buy my next home
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Buy to let
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Buying commercial property
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Buying first home
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Equity release
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Flexible mortgages
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High loan to value
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Next home / Remortgaging
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Self-employed mortgages
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Unit trusts
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Lump sum
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Regular savings
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Savings for children
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School fees planning
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Accident & sickness
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Buildings and contents
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Critical illness
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Healthcare
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Income protection insurance
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Large business
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Life insurance
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Small business
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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Rest of world
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Commercial mortgages
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Corporate pension
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Employee benefits
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Group ISA
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group private medical insurance
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Sharia finance
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Long term care
Response rating
10/10
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FCA authorised
Last authorised 6th July 2020
Meet our advisers
Rory Joseph Dip FA, CeMAP, CeRER
Principal

This qualification assesses a knowledge and understanding of the principles of equity release, the different types of schemes available and the circumstances where equity release is an appropriate solution for the customer.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

The Diploma enhances knowledge in core areas such as regulation, investment principles, risk, taxation and personal financial planning using real-life scenarios to develop the essential skills to apply this technical knowledge in practice

This qualification assesses a knowledge and understanding of pension transfer options available and their implications, including income options, legislation and regulations impacting pension transfers, transitional issues as a result of different forms of protection, and the relationship between pension returns and options and investment and capital risk.

Julian Seymour DipFA
IFA

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

The Diploma enhances knowledge in core areas such as regulation, investment principles, risk, taxation and personal financial planning using real-life scenarios to develop the essential skills to apply this technical knowledge in practice

What our clients say
“Dealing with Rory is a pleasure. I appreciate his dedication to provide fast and valuable advice in a friendly and personable manner. His uncomplicated, punchy and proactive way of dealing with matters is complemented by his ability to provide detailed, professional advice.” -Hired Rory as an Independent Financial Advisor in 2008, and hired Rory more than once
Neil Visram, London
“Rory was recommended to me by a colleague. Over the past 4 years he has provided me with advice on mortgages, life insurance and pensions. Without his financial advice I do not think we would have been able to 'escape to the country'. I trust his advice and I would definitely use his service again in the future."
Nathan Wilkinson, Hitchin
“I have used Rory's expertise as a Financial Adviser for more than 10 years now and absolutely recommend him for several reasons. He really knows his subject, an absolute professional, he works incredibly hard on your behalf, he looks beyond the norm and also looks at the total picture ensuring the end solutions are as optimum as they can be! To top it all, he is a nice chap!!”
Paul Jaggard, Hitchin
About us

JLM IWM are a small and friendly firm, specialising in independent financial advice. We offer a first meeting without charge in order that we can explain our services and how we might be of help. Our fees and costs will be agreed at this meeting before we undertake any chargeable work. We believe that 'independent' and 'commission' are mutually exclusive, so we work soley on a fee basis.

Our services

We specialise in easy to understand, logical and soundly researched advice. This approach has lead to our principal, Rory Joseph, in having a monthly financial phone in on BBC 3 Counties radio where he dispenses financial advice to listeners.

Where to find us
Head office address: 21a Churchyard, Hitchin, Hertfordshire, SG5 1HP
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£500,000
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
10/10
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FCA authorised
Last authorised 6th July 2020

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