James Durey
Financial Planning Consultant DipFA, CeMAP, AwPETR, CertLTCP in Edinburgh
A little bit about James
I am a highly motivated and enthusiastic individual who is keen to build my financial advice business and client base. I have an extensive knowledge of the financial sector having worked in this industry since 2005. My aims as a self employed adviser are to help as many people as possible achieve their financial goals and provide a first class customer service. By doing that I can build up my business and succeed and learn more along the way. Building and maintaining key relationships is important to me and is something I continue to do in order to build networks across the financial sector.
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.
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.
Income Protection
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
General Insurance
Home contents insurance, buildings insurance.
Business Services & Protection
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Mortgage
First time buyers, remortgages, buy-to-let.
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.
CeMAP Diploma - Level 4
- The CeMAP Diploma elevates expertise and knowledge in mortgage advice.
Level 6 Pension Transfers
- This module provides expertise on pension transfers and builds practical skills so that advisers can excel when making recommendations.
Certificate in Long-Term Care & Later Life Planning
- CertLTCP is a specialised qualification covering the UK long-term care planning environment, including the responsibilities of the NHS and local authorities, long term care insurance and the financial assistance options available.
RC
I highly recommend James Durey from Scotland. He reviewed life cover and pensions for myself and my husband. Being in our 50s it was good to know where we stand and that our three teenage children will be well looked after financially should anything happen to us. James is thorough, efficient and helpful.
My main aim is to help people achieve their financial goals through long lasting relationships. As a family man with a wife and three young children under the age of 8, I understand personally the importance of long term planning, especially around protection needs.
I have worked through the Quilter network as a self employed adviser for the past 10 years achieving great customer outcomes as well as running my own business successfully.
I feel if I can help people to put plans in place around long term pension and investment planning, mortgages and having the right protection in place that bring great peace of mind and off the back of that, you can concentrate on other areas, including a good work/life balance and do the things you enjoy. Which if like me would be family time, walking the dog, playing golf, watching football or whatever your interests and hobbies may be.
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.