[et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.18.0″ _module_preset=”default” background_color=”#054571″ background_image=”https:\/\/www.pjamesfs.com\/wp-content\/uploads\/2022\/07\/finance-24-8.png” custom_padding=”70px||70px||true|false” custom_padding_tablet=”” custom_padding_phone=”50px||50px||true|false” locked=”off” global_colors_info=”{}”][et_pb_row gutter_width=”2″ _builder_version=”4.18.0″ _module_preset=”default” max_width_tablet=”90%” max_width_phone=”90%” max_width_last_edited=”on|tablet” custom_padding=”0px||0px||true|” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” animation_style=”slide” animation_direction=”top” animation_duration=”1500ms” global_colors_info=”{}”][et_pb_text _builder_version=”4.18.0″ _module_preset=”d92f2016-f1b4-4e99-89f8-f04e64888b8f” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text _builder_version=”4.18.0″ _module_preset=”a03e1811-588e-4476-a76d-ce3d91a2d94b” max_width=”850px” locked=”off” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.17.6″ _module_preset=”default” background_image=”https:\/\/www.pjamesfs.com\/wp-content\/uploads\/2022\/07\/finance-24-7.png” custom_margin=”110px||110px||true|false” custom_padding=”0px||0px||true|” locked=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ gutter_width=”2″ _builder_version=”4.18.0″ _module_preset=”default” max_width_tablet=”90%” max_width_phone=”90%” max_width_last_edited=”on|tablet” custom_padding=”0px||0px||true|” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”|||35px|false|false” custom_padding_tablet=”40px|||0px|false|false” custom_padding_phone=”40px|||0px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”][et_pb_blurb title=”Communication is key to our business” image=”https:\/\/www.pjamesfs.com\/wp-content\/uploads\/2022\/07\/finance-24-10.png” _builder_version=”4.18.0″ _module_preset=”2fb7dea9-8c5e-4d28-acb9-6254f9dbf949″ image_max_width=”22px” global_colors_info=”{}”][\/et_pb_blurb][et_pb_text _builder_version=”4.18.0″ _module_preset=”default” header_2_font=”|600|||||||” header_2_text_align=”left” header_2_text_color=”#054571″ header_2_font_size=”32px” header_2_line_height=”1.2em” header_3_font=”DM Sans|700|||||||” header_3_text_align=”left” header_3_text_color=”#050d42″ header_3_font_size=”35px” header_3_line_height=”1.2em” custom_margin_tablet=”-10px||||false|false” custom_margin_phone=”-10px||||false|false” custom_margin_last_edited=”on|phone” header_3_font_size_tablet=”” header_3_font_size_phone=”25px” header_3_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text _builder_version=”4.24.2″ _module_preset=”264cc840-eeb6-4e92-82c2-6637a25f4cdc” max_width=”600px” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
We\u2019ll listen and take the time to understand your personal circumstances, concerns and needs so our recommendations are right for your circumstances. We\u2019ll give clear, straightforward advice you can rely on. We make sure our recommendations are simple and straightforward, so you have a full understanding of our advice and why it\u2019s the best possible solution for you. And we\u2019ll stay in regular touch to make sure you know what\u2019s happening, and that our advice is still right for you, as life moves and changes.<\/span><\/p>\n If you\u2019re a new client, an initial consultation is free of charge. We\u2019ll let you know how and if we can help. We may need to meet again to gather further information before presenting our initial recommendations. If you go ahead, our implementation and review charges will be a straightforward percentage of your investment, paid from your investment. We don\u2019t have a complicated menu of fees or work on an hourly rate. Our initial fee is 2% of any funds we arrange to invest or 1% of funds we transfer, with a minimum initial fee of \u00a32,000 for new clients. Our annual fee is 0.8% of funds we look after for you. [\/et_pb_text][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjM1MDcifX0=@” button_text=”Our Services” _builder_version=”4.18.0″ _dynamic_attributes=”button_url” _module_preset=”8f216ff6-ec42-4648-b9df-984f473b5862″ locked=”off” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.pjamesfs.com\/wp-content\/uploads\/2022\/09\/The-Future-of-Financial-Advice.svg” title_text=”The Future of Financial Advice” _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” background_image=”https:\/\/www.pjamesfs.com\/wp-content\/uploads\/2022\/07\/finance-24-8.png” custom_padding=”110px||110px||true|” locked=”off” global_colors_info=”{}”][et_pb_row gutter_width=”2″ _builder_version=”4.18.0″ _module_preset=”default” max_width_tablet=”90%” max_width_phone=”90%” max_width_last_edited=”on|tablet” custom_padding=”0px||0px||true|” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.18.0″ _module_preset=”default” custom_padding=”70px||||false|false” custom_padding_tablet=”0px||||false|false” custom_padding_phone=”0px||||false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”][et_pb_blurb title=”What we do for you” image=”https:\/\/www.pjamesfs.com\/wp-content\/uploads\/2022\/07\/finance-24-6.png” _builder_version=”4.18.0″ _module_preset=”7fc6c0fd-72c9-4b10-bc5f-6596082a1b27″ header_level=”h2″ header_text_color=”#ffffff” image_max_width=”22px” global_colors_info=”{}”][\/et_pb_blurb][et_pb_text _builder_version=”4.18.0″ _module_preset=”default” header_2_font=”|600|||||||” header_2_text_color=”#FFFFFF” header_2_font_size=”32px” header_2_line_height=”1.2em” header_3_font=”DM Sans|700|||||||” header_3_text_align=”left” header_3_text_color=”#ffffff” header_3_font_size=”32px” header_3_line_height=”1.2em” max_width=”929px” module_alignment=”left” custom_margin=”35px||||false|false” custom_margin_tablet=”20px||||false|false” custom_margin_phone=”10px||||false|false” custom_margin_last_edited=”on|phone” header_3_font_size_tablet=”” header_3_font_size_phone=”25px” header_3_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.18.0″ _module_preset=”default” text_font=”Roboto Condensed||||||||” text_text_color=”#ffffff” text_line_height=”1.8em” max_width=”918px” module_alignment=”left” custom_margin=”35px||||false|false” custom_margin_tablet=”0px||||false|false” custom_margin_phone=”25px||||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_accordion open_toggle_text_color=”#054571″ open_toggle_background_color=”#ffffff” closed_toggle_text_color=”#054571″ closed_toggle_background_color=”#5FD58C” icon_color=”#054571″ use_icon_font_size=”on” icon_font_size=”24px” _builder_version=”4.24.2″ toggle_text_color=”#054571″ toggle_level=”h2″ toggle_font=”|800|||||||” toggle_text_align=”left” toggle_font_size=”19px” toggle_line_height=”1.2em” closed_toggle_font=”|800|||||||” width=”90%” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|desktop” module_alignment=”left” animation_style=”slide” animation_direction=”right” animation_intensity_slide=”15%” hover_enabled=”0″ border_width_all=”0px” border_color_all=”#e9e9e9″ global_colors_info=”{}” sticky_enabled=”0″][et_pb_accordion_item title=”Our Services” open=”on” _builder_version=”4.23″ global_colors_info=”{}”]<\/p>\n Philip James Financial Services Ltd<\/strong> is able to act on your behalf in advising you on investments and non-investment insurance contracts.<\/p>\n We treat all our clients as \u201cretail Clients\u201d unless you request otherwise or unless we are advising you as a trustee, corporate entity or employer. This means you are provided with the highest level of protection under the regulatory system and should have the right to take any complaint to the Financial Ombudsman Service.<\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”Our Advice Process \u2013 How we go about advising you” _builder_version=”4.23″ global_colors_info=”{}” open=”off”]<\/p>\n Initial Consultation – Financial Review<\/strong><\/p>\n Analysis and Recommendations<\/strong><\/p>\n Implementing our Recommendations<\/strong><\/p>\n If you ask us to arrange and set up the plans we have recommended, you can expect us to:<\/p>\n Continuing Service and Reviews<\/strong><\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”What will you have to pay us for our services?” _builder_version=”4.24.2″ hover_enabled=”0″ global_colors_info=”{}” open=”off” sticky_enabled=”0″]<\/p>\n Arranging and Setting up your Investment, Pension or Retirement Benefits<\/strong><\/em><\/p>\n Our charge for arranging investments is 2% of the amount invested. For transfers from another investment provider to a new, recommended investment our charge is 1% of the amount transferred. For regular contributions, it\u2019s 2% of each payment, for arranging an annuity, it\u2019s 3%. The recommended provider pays this to us from your investment.<\/p>\n Our minimum initial fee for new clients is \u00a32,000, our maximum is \u00a310,000.<\/p>\n Continuing Service and Reviews <\/em><\/strong><\/p>\n Our annual charge is 0.8% of the value of funds on which we provide continuing intermediation (act as intermediaries with financial product providers) and is paid to us on your behalf by the product provider, usually on a monthly basis. This covers the cost of reviews and continuing administration. Our minimum annual fee is \u00a31,000, our maximum is \u00a310,000.<\/p>\n So, if you make a new investment or transfer existing investments of \u00a3200,000, our initial charge would be \u00a34,000 and our continuing annual adviser charge would be \u00a31,600.<\/p>\n Pure Protection and General Insurance Policies<\/em><\/strong><\/p>\n We will not charge a fee for arranging pure protection and general insurance policies but will usually receive commission from the product provider. You will receive a quotation, which will tell you how much commission we will receive, both initially and in future years.<\/p>\n Mortgages<\/em><\/strong><\/p>\n If, following an initial consultation, we research, source and provide details of a mortgage product or products which may be suitable for you, we will charge a non-refundable fee of \u00a3300. When we arrange and apply for a mortgage on your behalf, we will receive a procuration fee or commission from the recommended lender, the amount of which will be detailed in their key facts document and illustration.<\/p>\n Under current legislation our services are not subject to VAT but should this change in future we will notify you. These fees apply to advice given to individual, retail clients. Advice provided to businesses, trustees and corporate bodies may be charged for and invoiced separately.<\/em><\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”What else do you need to know?” _builder_version=”4.23″ global_colors_info=”{}” open=”off”]<\/p>\n Other benefits we may receive <\/strong><\/p>\n We advise on a range of products from a variety of firms; we may receive certain non-monetary benefits from these firms, which are used to enhance the quality of service we provide to you. Benefits we may receive include access to technical services, information technology support or the supply of product literature. For example, for placing any business on the True Potential Wealth Platform we are able to use the operational back office system of their sister company True Potential LLP (a non-regulated firm) free of charge. This additional benefit has no influence nor does bearing on any advice we provide but we believe that use of the system enhances the quality of the service provided.<\/p>\n Conflicts of Interest<\/strong><\/p>\n We will act honestly, fairly and in your best interests. Occasionally situations may arise where we have or one of our clients has some form of interest in business transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your interest, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment.<\/p>\n Client Money<\/strong><\/p>\n Philip James Financial Services Ltd. is not permitted to handle client money or handle cash and we cannot accept a cheque made out to us, unless it is in respect of an item for which we have sent you an invoice, such as an initial fee for advice.\u00a0<\/strong><\/p>\n Discretionary Fund Management<\/strong>\u00a0<\/strong><\/p>\n We do not manage investments on a discretionary basis and will not make any changes to your investments, plans or policies without your written instructions. We may recommend a Discretionary Fund Manager (DFM). Depending upon the provider, you will either be treated as a client of the DFM or we will act as the client on your behalf (\u2018Agent as Client\u2019.) We will confirm the basis at point of application and this will be further confirmed if appropriate in the DFM\u2019s terms and conditions and agreement.<\/p>\n Cancellation rights <\/strong><\/p>\n In most cases you can exercise a right to cancel by withdrawing from the contract. You will normally have a 30 day cancellation period for a life, pure protection, income protection or pension contracts and a 14 day cancellation period for all other contracts. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product disclosure information which will be issued to you. If you cancel a single premium contract, you may be required to pay for any loss you might reasonably incur in cancelling it which is caused by market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy.<\/p>\n You may also arrange to cancel our annual charge should you no longer wish to receive continuing service and reviews by notifying us and the product provider(s) in writing. You should note that a number of providers only offer services via advisers and will not deal directly with retail clients.<\/p>\n Complaints<\/strong><\/p>\n \u00a0If you wish to register a complaint, please write to Philip James Financial Services Ltd, Lark Rise, Beech Grove, Fulbrook, Burford, Oxon, OX18 4DE or telephone 01993 824680. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at financial-ombudsman.org.uk<\/strong> or by contacting them on 0800 0234567.<\/p>\n Anti-Money Laundering <\/strong><\/p>\n We are required by the anti-money laundering regulations to verify the identity of our clients, to obtain information as to the purpose and nature of the business which we conduct on their behalf, and to ensure that the information we hold is up-to-date. For this purpose we may use electronic identity verification systems and we may conduct these checks from time to time throughout our relationship, not just at the beginning.<\/p>\n Financial Services Compensation Scheme<\/strong><\/p>\n We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Most types of investment and house purchase finance business are covered up to a maximum limit of \u00a385,000 whereas non-compulsory insurance business is covered for 90% of the claim, without any upper limit. Long-term insurance is 100% protected with no limit. Further information about the compensation scheme arrangements is available from the FSCS.<\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”Declaration and Consent” _builder_version=”4.23″ global_colors_info=”{}” open=”off”]<\/p>\n Our Client Agreement is governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courts.<\/p>\n The authority to act on your behalf may be terminated at any time without penalty by either party giving seven days\u2019 notice in writing to that effect to the other, but without prejudice to the completion of transactions already initiated. Any transactions effected before termination and a due proportion of any period charges for services shall be settled to that date.<\/p>\n [\/et_pb_accordion_item][\/et_pb_accordion][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjIzNTUifX0=@” button_text=”Talk to us today” _builder_version=”4.18.0″ _dynamic_attributes=”button_url” _module_preset=”8f216ff6-ec42-4648-b9df-984f473b5862″ global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" Services and FeesWe like to offer our clients a personal service in today\u2019s ever more impersonal, online world, We do, though, use the best, leading edge technology to provide you with a personal website, giving you access to both us and your investments, anytime, anywhere.Straightforward advice on which you can relyWe\u2019ll listen and take the […]<\/p>\n","protected":false},"author":1,"featured_media":31,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.pjamesfs.com\/wp-json\/wp\/v2\/pages\/3533"}],"collection":[{"href":"https:\/\/www.pjamesfs.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.pjamesfs.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.pjamesfs.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pjamesfs.com\/wp-json\/wp\/v2\/comments?post=3533"}],"version-history":[{"count":4,"href":"https:\/\/www.pjamesfs.com\/wp-json\/wp\/v2\/pages\/3533\/revisions"}],"predecessor-version":[{"id":7934,"href":"https:\/\/www.pjamesfs.com\/wp-json\/wp\/v2\/pages\/3533\/revisions\/7934"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pjamesfs.com\/wp-json\/wp\/v2\/media\/31"}],"wp:attachment":[{"href":"https:\/\/www.pjamesfs.com\/wp-json\/wp\/v2\/media?parent=3533"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
<\/span><\/p>\nWe are Independent Financial Advisers, directly authorised and regulated by the Financial Conduct Authority.<\/span><\/h2>\n
\n
\n
\n
\n
\n
\n
\n
\n
\n