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
Speak to me if you’re interested in preparing for tax year end, or just want advice on making your money go further.
Contact me today
Tackle tax year end with confidence
Tax rules can seem pretty impenetrable. With the new Budget, and so many different allowances and regulations to keep up with, it’s no wonder millions of us end up accidentally missing opportunities - equating to millions of pounds a year.1
In this case, ignorance really isn’t bliss. And by confidently preparing for tax year end, you can be sure you’re getting all the money you’re entitled to - whether that’s by saving as much as you can tax-efficiently or just using your allowances to their full extent.
I can go through your financial position with you, so you’re ready for tax year end on 5 April. Did you know, for instance, that only 1 in 7 savers fully use their ISA?2 Or that you could be one of the 2m couples3 who aren’t making the most of their marriage allowance?
Together we can make this tax year end something to celebrate, rather than pass by. Get in touch for your tax year end review, or a cashflow modelling session to understand your financial position better.
For ISAs, Investors do not pay any personal tax on income or gains, but may pay unrecoverable tax on income from stocks and shares received by the ISA managers.
Tax treatment varies according to individual circumstances and is subject to change.
Stocks and Shares ISAs invest in corporate bonds, stocks and shares and other assets that fluctuate in value.
2 Source: https://ifamagazine.com/just-one-in-seven-brits-use-their-full-isa-allowance-survey-shows/
3 Source: https://moneyweek.com/personal-finance/605717/marriage-tax-allowance
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 17 December 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.