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James Maine

James Maine

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IFA

Chartered Financial Adviser & Mortgage Consultant
Chelmsford/Essex

I am a fully independent, Chartered Financial Planner and a Fellow of the Personal Finance Society. I have over 20 years’ experience working in the financial services industry delivering professional advice to both personal and corporate clients.
I provide jargon-free financial advice focusing on building and protecting the wealth and financial health of my clients. My independent status means I can offer advice on all aspects of financial planning using products from across the whole market.
My key areas of expertise include pension and retirement planning, investment and wealth management, lifetime and later life planning and both personal and business protection.
I put my clients at the heart of everything I do, ensuring that I operate with the highest level of integrity and transparency. I am passionate about helping my clients understand their options and enjoy clarifying some of the more complex areas that some may find daunting.
In providing comprehensive holistic financial planning solutions and through an excellent ongoing service, I am committed to a successful long-term relationship with my clients, guiding them through the many different lifetime events that most all of us experience, some inevitable, and others unexpected, and helping them achieve their aspirations and goals.

I specialise in the following advice services:

Lifetime Financial Planning

Through the use of sophisticated cash flow modelling techniques and by applying various inflation, interest rate and growth assumption we can plan how to get you where you want to be. The use of cashflow modelling is becoming the cornerstone of effective lifetime planning.

Later Life & Estate Planning

We spend a lifetime building our wealth, so it’s important to find the most effective way to protect your assets, in order for you to pass them on to those you love as efficiently as possible.

Pension & Retirement Planning

When you think about the future, what does your retirement look like to you? An important question which we can help you answer.

Investment & Wealth Management

Creating, growing, and then maintaining wealth is key to successful financial planning and should be part of a longer-term investment strategy.

Personal Protection

Talking about illness, disability or death is never an easy conversation to have but protecting against the unexpected will help with financial security and ensure your family can cope should the worst happen.

Workplace Pensions

As an employer, you must auto-enrol certain staff into a workplace pension scheme and contribute towards it in order to meet legislative obligations.

Business Protection Planning

The importance of business protection is often overlooked but is key to helping business owners plan for the unexpected.

Mortgage Planning

Securing the right mortgage can make the difference between a property that becomes a happy and secure family home and one that ends up as a financial burden.

Contact James Maine, your local adviser

We'll work with you to build a personal financial plan that's designed to help you achieve your individual ambitions.