About Us
James Fernley and Partners (Life & Pensions) was first established in 1961 as part of Swan Insurance Brokers and separated from that Company in 1986. Our Partners have therefore had nearly 47 years experience in every aspect of Life, Pension and Investment business. As Independent Advisors we are not bound by the restrictions placed on Banks and many firms who may only recommend the products and service of only a small panel of Companies. This gives us substantial freedom of choice across a vast range of Investment Managers, Insurance Companies, Building Societies and Financial Institutions, from which we can assemble tailor-made solutions to fit specific needs of clients.
We can help you with all your Financial and Investment planning:
- How much Inheritance Tax will be due on your estate when you die?
- Are your investments really working for you?
- How much will you receive if you are unable to work for a long period through sickness or accident?
- Have you made a Will?
Do you have the time and expertise to keep your financial affairs in order? Tax rules change all the time, self-assessment, tax savings, independent taxation; Inheritance Tax; all these have important implications for you.
Can you view your total situation in a clear concise way and forecast expected pensions etc.? With our help you can.A preliminary meeting with you enables us to get a full picture of your financial position, so that no single aspect is considered in isolation.
We help to define your financial objectives and priorities: these may include restructure of an investment portfolio, reducing your tax bill, planning for school fees, mitigation of Inheritance Tax, increasing your retirement income, topping up your pension, advising or arranging a Mortgage, and so on.
In a full discussion of your financial situation we run through the courses of action to you, then prepare detailed written recommendations for your consideration. Whenever appropriate we welcome consultation with your other professional advisers.
After the agreed recommendations have been implemented, we offer to review them regularly, as your circumstances change from time to time and as investment performance fluctuates. Your financial strategy may also be affected by changes in legislation; we regard it as our responsibility to ensure that your financial arrangements are kept in line with agreed objectives.