Profusion Wealth Management LTD

Independent Financial Adviser  3 Moors Hill Cottages, Tatenhill, Staffordshire, DE13 9RT
First meeting at adviser's own cost
We have been awarded the prestigious Chartered Financial Planners designation by the Chartered Insurance Institute (CII).
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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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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Traded endowment policies
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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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Critical illness
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Healthcare
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Income protection insurance
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Life insurance
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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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Corporate pension
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Employee benefits
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Group Pension/Stakeholder
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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 life insurance
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Group private medical insurance
Response rating
10/10
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FCA authorised
Last authorised 20th January 2020
Meet our advisers
James Pillinger BA (Hons) FPFS
Chartered Financial Planner, Independent Financial Adviser and Director

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

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.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.

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.

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.

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.

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.

At the end of this unit, candidates should be able to demonstrate an understanding of: how the economic environment and individual company performance affects investment performance and investment decision making; how risk is measured and managed; the main principles governing how to construct an investment portfolio; the range of investment management services, how their performance is evaluated and their regulatory environment.

Accreditations
Chartered Financial Planner
Paul Harman DipPFS
Independent Financial Adviser

This qualification helps advisers develop and demonstrate their financial planning capabilities. 

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

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.

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.

This qualification assess a knowledge and understanding of the Financial Services environment, UK Financial Services and Regulation, the principles of investment, investment products, financial protection, retirement planning and investment advice knowledge.

Accreditations
Certified Financial Planner
What our clients say
"James has provided expert guidance in both business and personal terms. He listens to our key objectives and has provided carefully considered plans to help us reach our goals. In financial matters where trust is the key factor, I would not hesitate to recommend James to deliver sound advice and service."
Steve Gill, MD at Fisch Design Ltd, Belper, Derby
"Paul Harman is a man of the highest integrity who does what he says he will do and more, on time, every time. I have no hesitation in recommending him to anyone looking for a financial advisor with discretion and commitment."
Jamie Marment, Director Explora Security Ltd, Worcester
"James is a very talented Financial Advisor with extremely high ethics and is a great guy to get on with. His qualifications are a testimony to his expertise within the financial services industry and I would have no hesitation in recommending him."
Guy Eaton, MD at On Event Production Co, Long Eaton, Nottingham
James Pillinger has been my financial advisor for many years and is someone I trust to advise in a clear, concise manner with my needs, circumstances and welfare in mind. He is always available to answer my questions and gives regular updates on the performance of my portfolio. Highly recommended.
Kevin Davenport, Sandiacre, Nottingham
James is always reliable and efficient. He makes it very easy to work with him , he is flexible and always explains things In a way that I can understand . I always trust that he will do what he says and act in my best interest.
Jill Mason, Kedleston Interiors Ltd, Derby
Having worked with James, I have found him extremely professional and knowledgeable, providing excellent service. I am therefore always confident in referring my clients to Profusion Wealth, as James’s technical and high level of acumen at a specialist corporate level, provides my clients with bespoke solutions and a financial planning structure that prepares them confidently for the future.
Kim Radley, Market Development Manager, Barlcays Bank, Derby
"Me and my Wife have been with Profusion wealth management now for a number of years. They are very professional financial advisors, they assisted us in all the aspects of our pension prior to retirement. Always willing to answer any concerns we might have with new policy changes and government legislation.”
Chris & Thelma O'Neill, Weston-On-Trent
Paul is a fantastic adviser, who I totally trust. He explains everything in layman’s terms and makes sure that you understand everything before he moves on. He is a very professional person, but easily approachable. He understood what I required and came up with a solution whilst maintaining a professional but friendly manner. I would not hesitate in recommending Paul to any future client.
Steven Phillips, Cannock
I feel I have been treated with a very high degree of professionalism. Paul Harman was extremely knowledgeable and went to considerable trouble to fully understand my requirements and long term aims. I am confident that the administration of my pension is in good hands.
Roy Northover, Southampton
‘The service provided by Paul Harman of Profusion Wealth Management is always 1st class. It is never too much trouble for Paul to answer any of my concerns or questions.’
Nigel Golden, Burton on Trent
‘Paul Harman is a charming, articulate, highly knowledgeable Financial Adviser. His briefs have been succinct and yet detailed, I rate him very highly and have no hesitation in recommending him to other companies and individuals.’
Jamie Marment, Director TFL management Services Ltd, London
"Paul has provided our company with excellent advice in the area of stakeholder pensions, investment and key man cover for our start-up business. Paul is very professional and is always available and willing to help when we need some sound financial advice."
Prof. Jon Heylings, Professor of Toxicology, Keele University
About us

At Profusion Wealth Management Ltd we have over 30 years combined experience in the financial services industry. In particular we have the knowledge and qualifications to provide advice as 'Pension Transfer Specialists'.

We provide whole of market independent financial advice. We believe in providing a holistic financial planning service and establishing long term relationships with our clients. Many of our existing clients have been with us for many years which is a testament to the excellent advice and service they receive on an ongoing basis.

Our services

Our Services Include:

Pension Transfer Specialists, Personal Pensions including SIPPs .Inheritance Tax Planning* . Savings & Investments . School Fees Planning . Discretionary Portfolio Management . Life insurance . Critical Illness . Income Protection. Company Pensions including SSAS . Shareholder / Partnership Protection . Key Person Protection . Business Debt Protection . Employee Benefits - Death in Service, Group Healthcare, Group Critical Illness, Group Income Protection, Group Pensions & NEST . Auto-Enrolment . Tax mitigation* .

* Not regulated by the Financial Conduct Authority

Where to find us

3 Moors Hill Cottages, Tatenhill Common Rangemoor, Burton On Trent, DE13 9RT

Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
10/10
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FCA authorised
Last authorised 20th January 2020

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