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James Henry

Financial Planning Consultant DipPFS in Watford

A little bit about James

Each of my clients has their own unique set of circumstances. My focus is to understand what matters most to you and what you want your future to look like. This allows me to provide holistic advice across retirement, investment, and protection planning, ensuring tailored solutions that meet your unique needs.

With over 20 years of career experience analysing, developing and then implementing plans to deliver goals, I hold a diploma in Regulated Financial Planning and membership in the Chartered Insurance Institute.

Based in Watford, Hertfordshire, I offer local face-to-face consultations as well as online advice nationwide.

Find out more about me below.

Start the conversation

Speak to me if you’d like to give your finances a spring clean or are thinking about freshening up your long-term plans.
Contact me today

An adviser’s insight

Enjoy the feel-good factor of a financial spring clean

Graphic of people cleaning a piggy bank

With the start of a new tax year, now is a great moment to take a little bit of time to get your finances in order and look ahead to the next 12 months and beyond.

I can help you take a fresh look at your finances and put a plan in place to help your money work hard for you over the next year. This can include ensuring that you’re maximising your new tax-free savings and gifting allowances.  

We can also consider any important updates to your circumstances, such as a pay rise or promotion, or changes to your family. 

Now is also a good time to review your longer-term goals and check in on your retirement savings. A cashflow model is an excellent way to do this as it can help to show how on track you are, if you need to make any adjustments, and the positive impact that even a few small changes made today can have on your finances over the long term. 

Click on the contact me today button at the top of my profile to discuss how I can help you.

Services

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.

Qualifications

Diploma in Regulated Financial Planning

  • The Level 4 Diploma in Regulated Financial Planning from the Chartered Insurance Institute develops core technical and initial financial planning understanding.

Location

James' location

Watford
Hertfordshire
United Kingdom

James is located in Watford and offers expert financial advice to suit your needs.

More about me

Well, you’ve come this far and the next step is just a small one that requires no commitment or fee. It begins with a conversation where the main topic is you, so you are already well prepared. Beyond getting to know each other, we’ll also discuss potential next steps to ensuring you feel fully in control of, and confident about, your financial future.

When you are ready, reach out using whichever communication method shown above you prefer. I look forward to hearing from you.

In case you were wondering; outside of work you will usually find me standing in the rain, wondering why the dog is refusing to move.

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.

Quilter Financial Planning Network only: This financial promotion was approved by Quilter Financial Services Ltd & Quilter Financial Ltd on 22 April 2026.