James Medrow
Financial Planning Consultant DipPFS in West Sussex
A little bit about James
I have worked in the financial industry since 2000 and have gained a broad/extensive range of knowledge working for some of the biggest names in the industry including Standard Life & AEGON.
I specialise in all areas of financial planning. Through my comprehensive service offering, I help people make educated decisions by listening to their objectives and coming up with a solution that will help them meet their future goals. As an adviser I am still studying and completing exams to keep up with the fast-moving legislation within our industry, giving my clients the confidence that they are receiving up to date relevant advice, tailored to their own personal circumstances.
With my knowledge and experience, I am well equipped to understand what drives you and your long-term goals. I will give you confidence and most importantly peace of mind to enjoy life without financial worry, by building a cash-flow model to help you keep on track for now and the future. Whether you are looking to save for your children’s futures, to plan for your retirement or protecting what you already have in place, I can help with Financial Objectives today and to plan for your future.
Start the conversation
Let’s talk about getting your finances in a better place this New Year, and in the ones that follow.
Contact me today
New Year, new money goals
What’s your New Year’s resolution? We associate January with a flurry of gym subscriptions and better eating habits. But what about the health of your finances? Here’s how I want to encourage everyone to make their money work harder this year:
- Look back
Did your circumstances change last year? It’s easy to overlook life changes when you’re in the thick of it - things like pay rises, promotions, or moving house. Similarly, the latest Budget might have introduced new financial regulations you’ll need to consider. In a review, we can look at how those changes might impact you. - Look forward
What do you want to achieve - not just this year but in the future? Are you planning to expand your family, or maybe focusing on retiring early? Whatever your priorities are, I can use a cashflow model to help you see if your financial strategy is in line with those goals. - Take small steps
With the right help and guidance, there are surprisingly simple changes you can make. Switching to a higher interest savings account, for example. Or finding opportunities to reduce your outgoings (like scrapping unused subscriptions) and investing that money instead. We can identify those small opportunities, and look for bigger ones too - like getting you on the right track to make sure you have the income you need for retirement.
Let’s make a plan for the year ahead and get January off to the best possible start. Just get in touch and we’ll agree on a convenient time for a meeting or call.
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 26 November 2024.
Holistic planning
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Income Protection
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Investments
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Pensions
Expert advice to help provide comfort in your retirement.
Protection
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Diploma in Financial Planning
- The Level 4 Diploma in Financial Planning from the Chartered Insurance Institute develops core technical understanding across a broad range of key financial planning areas.
Pension Transfers & Planning Advice
- The Level 6 Certificate in Pension Transfers & Planning Advice provides specialist knowledge and skills in this area of financial planning.
Josie
In 2020 I approached Lighthouse for financial advice through my trade union. I had made a profit on the sale of my house in London when I moved to East Sussex in 2017 and had invested in ISAs and a tracker account through my high street bank. I was disappointed by the lack of communication and as an experienced investor, felt my investments were probably underperforming but didn't have enough time to look into this.
James provided a very professional initial review and assessment of my financial situation and expert advice about how I could improve the performance of my investments. He has also subsequently advised me on how I can maximise my pension benefits. James helped me move my investments and pensions onto the Quilter platform. I receive regular detailed performance reports but can also easily view my investments on-line. This really works for me. I feel I have all the information I need to be confident about the active management of my funds without being overwhelmed. I also know that I can draw on James's experience and financial expertise.
Shelagh
I was introduced to James at the end of 2020 when I needed advice on my financial position if I took voluntary redundancy/early retirement from my employment at the BBC, our initial meeting having been enabled via the BECTU union.
James was extremely helpful in talking me through the options and financial implications of my decision and highlighting points I needed to consider in relation to future planning/tax etc. and the level of risk in investments that would be appropriate.
As a result, I transferred my existing ISA funds to an Old Mutual Wealth ISA which has subsequently been taken over by Quilter and James was very helpful in talking me through the process and arranging all the necessary paperwork for the transfer.
He has carried out regular annual reviews, confirming that the investment chosen is appropriate to my chosen risk level. This has been very useful, given ongoing changes in my personal circumstances, including the death of my mother, together with the extreme volatility of the financial markets over the past couple of years and the uncertainty it has caused. James has kept me up to date with the situation and current thinking on how things may progress, explaining the position clearly and has also answered questions I’ve had regarding tax implications of pension contributions.
I have therefore been very grateful for his support at a time of especially great change in my circumstances.
Outside of work I have 2 boys. I am a keen sportsman, enjoying golf, football and rugby. In 2015 I ran the Brighton Marathon to fulfil a lifelong achievement.
The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.