Set-Up Advice Fee 3% +
Annual Fee 1%
Minimum £3,000 Fee
Set-Up Advice Fee 2% +
Annual Fee 1%
Set-Up Advice Fee 1% +
Annual Fee 1%
When it comes to regulated and qualified financial planning advice – Costs are necessary.
Cost plays a vital role in protecting your interests. Below is a more detailed breakdown for those who like the nuts and bolts.
All clients receive a free consultation for us to understand their requirements and goals in greater detail. This meeting is the first stepping stone in your relationship with CJ.
There is never additional charges for any follow-up appointments. We like to keep it simple. Your cost of advice will not increase no matter how long or how many times you may need to speak with your Adviser.
We are not tied to any provider. We scan the whole of the market and provide you with unbiased advice on the solution that best matches your requirements. This is in contrast to restricted advice, such as Barclays who can only advise from a range of in-house solutions.
One size does not fit all. Everyone’s situation and requirements are slightly different so receiving personalised advice are essential. Our advice is taloired to you.
Financial solutions are intangible. However, making the correct decision is important. Our advice reports ensure you have all the important facts and information in B&W.
You have a dedicated Adviser and their direct line. No hold music. We believe this is the key to strong and long-lasting client relationships. Trust takes time to build.
You also have your own dedicated Admin. This means if you ever need assistance you can reach out directly to your Admin who is already familiar with your policy. This is also helpful if your Adviser is busy helping another client.
Your dedicated Adviser & Admin will prepare any Financial Paperwork, Admin or Forms that you may need to complete. This saves you time and reduces errors once submitted.
Your application pack will be securely couriered and collected from you anywhere in the world. We pay for this. This ensures faster transfer speeds on all pension work and also allows us to monitor the arrival of your application and our admin resources to ensure your case starts being processed on the day of arrival.
Every advice report has a dedicated cost page. No jargon. No small print. Just clear and easy to understand costs for you to make an informed decision based on the benefits and the costs of the advice.
You have come to us for advice. Our job is to educate you and help you make informed decisions. Our Adviser will explain things as many times as you need.
Once the courier collects your application pack we do everything from there. We will chase the providers on your behalf by email or telephone until the case is finalised. We will keep you updated throughout.
Whether you hold a DB or DC pension, we complete all of the legwork in obtaining the relevant information. We will not bore you but this is a timely task and why our admin are professionally trained in what to look out for.
Once your forms are returned we take responsibility for all transfer related tasks. Our experienced staff are trained in dealing with pensions providers and bureaucracy so that you do not have to.
In our teams experience consistent check-ins on the transfer status yields quicker results for clients. We have scheduled times to chase up all existing paperwork. Fun times!
Every 3-months you have an appointment your Adviser to keep you updated on portfolio performance. It is also a chance for you to relay any changes to your situation. For example, a new job, moving country or a new family member. This allows your Adviser to ensure your finances stay up to date with your situation and goals.
Your portfolio will be rebalanced on an ongoing basis to maximise growth opportunities. You may enjoy discussing this in detail with your Adviser each quarter. Similarly, you may find finance slightly boring and prefer a broad overview. Everyone is different.
Industries change. We keep an eye open on all provider options and advise our clients if there are ever any new lower-cost solutions available.
All future forms (Top-Ups, Withdrawals, Address Change etc) are pre-completed by your Admin and sent to you via email. You simply review the information and return the form signed. This saves our clients time to get on with their life.
Cameron James holds the highest form of regulatory approval in Europe. We won’t bore you here but it means our Financial Advice and business practices are evaluated at the highest level. This provides you with peace of mind. Knowing that we adhere to some of the strictest and most closely vetted regulation in the EU.
While all Advisers at Cameron James are UK RDR Level 4 qualified as a minimum, we ensure Advisers adhere to Continuous Professional Development (CPD) to provide our clients with the most up to date advice at all times.
All Advisory firms must pay premiums, which protect you as the customer were you to ever have a complaint. We are proud to say Cameron James has never had a client complaint and we work hard to keep it this way.
It is not by chance that you stumbled across our website. Every page, article, section has been optimised for SEO to ensure you could easily find our website. We work tirelessly on this and employ numerous staff and companies to ensure we keep on top of this for you.
Expenses covers everything else from paper clips to headsets. Everything our staff need to ensure your journey with us is smooth and the quality of our service better than our competitors.
Used & Approved by Expats in 23 countries across 6 continents.
Clients know how much their advice will cost in advance. No extras.
Direct line to your Dedicated Adviser. No hold music.
Our Advisers see thousands of Expat situations. We know your needs.
The average time for a pension transfer is 3-4 weeks. Depending upon the type of pension with DB transfers taking longer and DC transfers shorter. In our experience, exemplary paperwork and streamlined communication are keys to faster transfers. Errors lead to longer transfer times. International SIPP transfers are generally quicker, while QROP transfers take longer.
Absolutely not. There are no nasty lock-in periods with CJ. If you are ever unhappy with our level of service you are free to leave without cost. This keeps us on our toes to continue delivering our high quality of service.
Your policy will pass directly to your named beneficiaries which you state in your application process. So you have peace of mind that your loved ones will automatically receive your assets. No messing around.