James Financial
15th October 2018
Remember, you are the client - you decide how you want to be advised!
We can advise you on
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Business
- Corporate pension
- Group critical illness
- Group income protection
- Group life insurance
- Group pensions
- Group protection
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Financial planning
- Wealth management
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Insurance & protection
- Critical illness
- Income protection insurance
- Large business
- Life insurance
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Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Socially responsible investments
- Unit trusts
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Long term care
- Long term care
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Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
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Savings
- Lump sum
- Regular savings
- Savings for children
- School fees planning
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Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
Meet our advisers
Phillip Betts
Chartered Financial Planner/Director
Qualifications & Accreditations
CF2 - Investment and Risk (CII)
This examination assesses a knowledge and understanding of investment products and the risks involved.
J04 - Pension Funding Options (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.
CF9 - Pensions Simplification (CII)
This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.
Diploma In Financial Planning (CII)
This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.
Advanced Diploma In Financial Planning (CII)
This qualification enables professional advisers to develop specialist planning capabilities, covers topics like: personal tax and trust, business financial, pension and investment planning.
HR1 - Home Reversion Plans (CII)
This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.
FCII - Fellow Membership (CII)
Fellowship of the CII is universally regarded as the premier qualification for those working in the insurance industry. This shows a commitment to continuous professional development.
Chartered Financial Planner (CII)
Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.
CF7 - Certificate in Lifetime Mortgages Activities (CII)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, lifetime mortgage products, repayment options and the giving of mortgage advice.
CF6 - Certificate in Mortgage Advice (CII)
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.
AF5 - Financial Planning Process (CII)
This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.
J05 - Pension Income Options (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.
J03 - The Tax and Legal Aspects of Business (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of: the main legal forms of business and how they are set up and managed; the consequences of bankruptcy or insolvency; business accounts and financial controls; the taxation of each type of business entity, its owners and employees; the main legal responsibilities businesses have to employees, suppliers and customers.
J02 - Trusts (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.
J01 - Personal Tax (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.
G60 - Pensions (CII)
This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.
CF8 - Certificate in Long-Term Care Insurance (CII)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.
AF3 - Pension Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.
AF2 - Business Financial Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to business.
Accreditations
Wayne Audsley
Chartered Financial Planner/Director
Qualifications & Accreditations
CF5 - Integrated financial planning (CII)
This exam accesses understanding of the financial services industry, and its regulation, products and processes.
CF2 - Investment and Risk (CII)
This examination assesses a knowledge and understanding of investment products and the risks involved.
CF1 - UK financial services, regulation & ethics (CII)
This exam accesses understanding of the financial services industry including regulation and legislation.
MAQ - Mortgage Advice Qualification (CII)
This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.
AF1 - Personal Tax and Trust Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.
Dip PFS - Personal Finance Society Diploma (PFS)
To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.
Advanced Diploma In Financial Planning (CII)
This qualification enables professional advisers to develop specialist planning capabilities, covers topics like: personal tax and trust, business financial, pension and investment planning.
R06 - Financial Planning Practice (CII)
This qualification helps advisers develop and demonstrate their financial planning capabilities.
R01 - Financial Services, Regulation and Ethics (CII)
This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.
Chartered Financial Planner (CII)
Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.
CF6 - Certificate in Mortgage Advice (CII)
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.
AF5 - Financial Planning Process (CII)
This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.
R02 - Investment Principles (CII)
This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.
R03 - Personal Taxation (CII)
This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.
AF4 - Investment Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.
CF4 - Retirement Planning (CII)
This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.
CF3 - Financial Protection (CII)
This examination assesses a knowledge and understanding of financial protection plans.
AF3 - Pension Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.
Accreditations
What our clients say
Wayne came to us by chance when our previous financial adviser left... and what a Godsend he has been for us. His advice has been crucial to us for planning our future financial security. We are close to our retirement and for us good financial advice that we can trust is critical. So far Wayne's advice (always suggested and never pushed upon us) has proved to be sound and has protected our investments.
Phil was recommended to me by a relative who he also advises. Trust for me is the most important thing and Phil has never let me down. I have little interest in financial matters, but Phil now takes care of everything for me. Not only does he do a great job, but he has also proved to be a very kind and thoughtful man, so it’s always a pleasure when we meet up.
Phil was introduced to me by friend and I’m so glad he was. Not only does he run my portfolios, but he is always on hand to give me any other advice I need. I feel very comfortable dealing with Phil and can thoroughly recommend him to others, as I frequently do
Mr Betts has proved to be what I would call a proper financial adviser. By this I mean he actually gives me financial advice, rather than trying to sell me investments. Following the death of my partner, Mr Betts was happy to take over our existing portfolio which he now manages in line with my requirements, leaving me free to do other things. He has also proved to be someone who will go the extra mile, certainly beyond what I would normally expect from a financial adviser
Wayne listened, which is an important thing for me. He then advised me on the best route to take with regard to my investments and pension. Wayne continues to give me clear and concise advice on my investments and takes the time to explain in more detail anything I am not too sure about.
Wayne is a thoroughly professional Financial Advisor with experience across all of the financial management spectrum. His focus on listening to the clients financial objectives and in what timescale is key to his success. I have been a client of Wayne for a number of years and find his his advice on wealth management issues impartial and of great benefit and has provided me with a sustainable portfolio which has provided growth over and above the usual products which people would consider. I would not have any hesitation in recommending Wayne to any of my colleagues and friends to have an objective discussion with Wayne about financial matters
Wayne spent invaluable time with me to understand my financial needs, he explained the complex policy recommended in simple terms and discussed both the advantages and restrictions imposed in the terms. Wayne ensured that I understood the process involved and discussed how the charges were calculated. I am very happy with the outcome. The whole experience was supportive and I felt in very safe hands.
Where to find us
42 Main Street, Horkstow, North Lincolnshire, DN18 6BG
Contact usAbout us
At James Financial, our mission is to provide a fresh approach to financial advisory and wealth management services. We are experienced advisers who provide a fresh client focused service.
We understand the longstanding impact that our advice can have on clients lives and never take this responsibility lightly. We understand that clients are generally in need of clear advice or guidance. They want advisers who actually care about their financial well-being and take the time to understand what they want.
I am sure you will find us refreshingly different. James Financial are a fresh, open and transparent financial advisory and wealth management firm. I could use various adjectives such as proactive, straight-talking, approachable, professional etc. I would rather put it more simply; we are here to help and we speak your language. Straight-talking financial advisers - now that is refreshing!
Our services
Of course, like any business, we need to attract new work and new clients. However, the fact is that we spend a lot of our time attending to the needs of our existing clients and running their investment and pension portfolios, rather than chasing brand new clients.
Wouldn’t you like to deal with a firm that puts the needs of its existing clients first?
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We are a Chartered, multi-award winning firm of Independent Financial Planners.
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