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James Marston

Financial Planning Consultant DipPFS in Leamington Spa

A little bit about James

I help families navigate the important and complex decisions that life throws at them:

- How to save enough to enjoy retirement
- Financial protection in times of ill health
- Tax efficiency and investing strategy
- Saving for your children or funding their education
- How to structure your financial life so you can work to live not live to work.

Please find out more about James on his VouchedFor account as well as on the More about me section below:

 

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Your money won’t reach its goal unless it has a direction. But with a plan, it can work towards something better. I can help.
Contact me today

An adviser’s insight

Money needs a plan. Here’s where to start

Money doesn’t make decisions on its own. Left sitting in cash, it quietly loses value. That’s why money needs a plan. It’s not about being wealthy or knowing all the answers – it’s about giving your money direction. And in the UK, many people miss out simply because they don’t take that first step.

  • Most people in the UK save sporadically or leave money sitting in cash – missing out on growth.
  • Planning gives peace of mind. It turns uncertainty into clarity.
  • The earlier you start, the more powerful the impact – but it’s never too late.
  • Quilter’s purpose is to help build brighter financial futures. That starts with a plan.
  • Investing always carries risk. The value of investments can go up and down and you may get back less than you invested.

Making your money work for you

Why investing matters

  • Lazy money loses value over time – inflation chips away at it.
  • Investing little and often helps your money grow without needing to be an expert.
  • A plan helps you stay focused and avoid reactive decisions.

Inflation and ‘lazy money’

  • Inflation quietly erodes the value of your savings.
  • £10,000 in cash today could be worth significantly less in 10 years.
  • Investing helps protect your money from inflation and grow it over time.
Ready to build your plan? Contact me using the details above.

Services

Business Services & Protection

Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.

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.

Dental & Medical

Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.

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.

Testimonials

Testimonial 1

I had an appointment with James this week to discuss future finance planning. I was specifically interested to know whether it would be worth me buying AVCs (Additional voluntary contributions) for my NHS pension and/or what my other options were.

He was very knowledgeable and gave me honest and open feedback about my current financial situation. He was able to answer all my questions and talked me through what the different options for further investment would look like and the pros and cons of each.

He listened to my life values and gave his opinion on what was likely to be a best fit for that, all in a very easy to understand way. Very happy with the consultation.

Thanks James. (July 2024)

Testimonial 2

After being disappointed with a previous financial adviser we made contact with James who has been the total opposite of our previous experience.

He is clearly very knowledgeable but importantly he makes you feel like an individual and not just a number. He takes time to get to know you want and what you are hoping to achieve.

He explains things in an honest and upfront way as well as in an understandable way. (February 2024)

Testimonial 3

James had outstanding knowledge in Pensions, Investments, Life Insurance and Income Protection along with many other elements of finance.

He is able to deliver advice and share his expertise in a very clear and concise way. He very much helped to unpick a subject which I am not familiar with in a simple manner.

He is both professional and personable and will be my top choice recommendation to friends in need of financial advice. (November 2023)

Location

James Marston's location

  • Leamington Spa
    Warwickshire
    CV32
    United Kingdom
James Marston's location

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

James Marston's location

More about me

I specialise in Medics, mostly because I married one, so I know the joys of medical staffing, rota’s, the trust, the deanery, locum work, private practise and the complexity of financial planning for doctors. I help you to understand your NHS pension, the NHS car scheme, tax traps for consultants and GPs, private work through a limited company and how to plan your financial future with all of this complexity.

My style of financial advice starts with education. I want you to understand the potential courses of action and the consequences. Then together, we can make an informed decision about what to do.

Outside of work I am a father and a husband which keeps me busy! In my free time, I love walking the dog, swimming and the occasional pub visit on a Sunday afternoon. 

I'm based in Leamington Spa but the majority of my meetings are done on Microsoft Teams, I'm happy to do evening appointments after 7:30 once my kids are in bed! I'm always happy to chat with no obligation so send me an email or give me a call if you need some help with your family financial planning.

I’m a contributor to BBC Radio 4, The Times, The Telegraph & a Parliamentary Select Committee on Financial Education. Full details in my LinkedIn Bio.

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 Wealth Ltd, Quilter Financial Services Ltd, Quilter Mortgage Planning Ltd, Quilter Financial Ltd, Quilter Financial Planning Solutions Ltd & Lighthouse Advisory Services Limited on 01 August 2022.