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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

Speak to me about making your money go further, and protecting the things that matter most to you.
Contact me today

An adviser’s insight

Graphic of people learning about protection

Can the right protection help you become more financially resilient?

Have you heard of the ‘protection gap’? You probably know someone who’s fallen into it.

Most of us know to get travel or pet insurance, or even just insure our mobile phone. But when it comes to really big life events, cover can easily get overlooked – causing a gap.

Far too many people aren’t properly protected against life-changing events, like losing their job or not being able to work because they’ve fallen ill. Which means that when these things do happen, they can have a much bigger impact than they need to.

Luckily, cover like income protection and critical illness can help people become more financially resilient. So, if you do have a financial shock, it doesn’t have to turn everything upside down. And it can be surprisingly simple and affordable.

If you’ve had a big milestone recently, or a change in your circumstances, it might be the right time to relook at your protection needs.

Reach out to me and I’ll be happy to help.

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 Financial Services Ltd & Quilter Financial Ltd on 01 August 2022.