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James Turner Pines

Financial Planning Consultant DipPFS, Cert CII (MP) in Hertfordshire

A little bit about James

I began my career in wealth management in 2023, after graduating from university with a first-class honours degree in BSc Economics. Since joining Quilter Financial Advisers I have obtained my Diploma in Regulated Financial Planning. Recognising the importance of financial confidence I build strong relationships, making sure that I best help my clients in making well-informed financial decisions, supporting a secure and enjoyable future. I work closely with families, individuals and business owners, and ensure that my advice is tailored to you. Outside of work I enjoy keeping fit, and you will often find me playing sport or in the gym. I also completed my first half-marathon in 2025, raising money for the amazing Spread Your Wings UK charity.

Find out more about me below.

Start the conversation

Whether you want to think about a gifting plan to help your family, or want to ask me about something else, I’m happy to help.
Contact me today

An adviser’s insight

Gifts that give back

Graphic of people exchanging gifts

December is often seen as the gifting season. But alongside the usual socks and chocolate gold coins, it might be worth planning a slightly bigger, longer-term present for your loved ones this year.

Inheritance tax (IHT) is notoriously complicated and can hit people with a big bill if it isn’t managed properly. It isn’t reserved for the very wealthy either. Dealing with IHT is a reality that many more families face after a loved one has passed - in what is usually an extremely vulnerable moment.

This is where using your gifting allowances can make a real impact on those around you. It’s a great way to share your wealth with the people you love while limiting their exposure to IHT. It does take a little bit of extra planning though.

Sitting down with an adviser like me can help you figure out where you want your money to go, and when. For instance, it might be more helpful to gift a family member a contribution towards their first home now, rather than leaving them a legacy.

Whatever you decide is best, we’ll find the most tax efficient way to do it.

Get in touch to find out more.

*Estate Planning and Inheritance Tax Planning are not regulated by the Financial Conduct Authority.

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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.

General Insurance

Home contents insurance, buildings 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.

Certificate in Mortgage Advice

  • The Certificate in Mortgage Advice (Level 3) meets the FCA standards for mortgage advisers. It develops an understanding of the sector and the mortgage process, and enables advisers to meet individual client needs.

More about me

Since I began in wealth management, I’ve been passionate about helping people navigate their finances with confidence. My degree in economics sparked my interest in breaking down financial topics and making things clear and approachable for others - something I’ve carried with me as an adviser. I’m committed to ongoing learning. Achieving my Diploma has given me the tools and knowledge I need to offer bespoke, up-to-date advice, whether I’m working with families planning for the future, entrepreneurs growing their businesses, or anyone simply looking for financial peace of mind. My main aim is to build relationships based on trust, honesty and straightforward communication.

Outside of work I stay active; I’m often either at the gym or out playing sports. Taking on my first half-marathon in 2025 to raise money for Spread Your Wings UK was a real highlight for me. I enjoy giving back when I can - whether it’s helping locally or supporting people in making smart choices that last. If you’re curious about my approach, what drives me, or how I might be able to help you with your financial goals, I’m always happy to chat.

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.