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James Sinclair

Managing Consultant

149 followers

Inverness, Scotland, United Kingdom

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Timeline
About me
Chartered Financial Planner / Independent Financial Adviser / Wealth Manager
Education
- PFS Professional Qualifications
  -
  FPFS, Chartered Financial Planner Financial Planning and Services
  FP1,2 & 3Passes for 10 Advanced papers resulting in FPFS designation. Automatically qualified for Chartered status when it started as had already exceeded requirements:G10 Taxation and TrustsG20 Personal Financial PlanningG30 Business Financial PlanningG60 Pensions and Pension TransfersG70 Investment Portfolio Management - passed with distinctionG80 Long Term CareK10 At Retirement OptionsK20 Pension Investment OptionsSV1 Savings & InvestmentsMAQ… Show more FP1,2 & 3Passes for 10 Advanced papers resulting in FPFS designation. Automatically qualified for Chartered status when it started as had already exceeded requirements:G10 Taxation and TrustsG20 Personal Financial PlanningG30 Business Financial PlanningG60 Pensions and Pension TransfersG70 Investment Portfolio Management - passed with distinctionG80 Long Term CareK10 At Retirement OptionsK20 Pension Investment OptionsSV1 Savings & InvestmentsMAQ Mortgage Advice QualificationFurther papers:CF8 Long Term Care CF9 Pension Simplification Show less
- Fortrose Academy
  1981 - 1987
Experience
- Prudential Assurance
  Apr 1991 - Dec 2000
  Managing Consultant
- Sedgwick Independent Financial Consultants Ltd
  Dec 2000 - Dec 2003
  Senior Consultant
  Providing financial planning advice to high net worth individuals- personal protection- mortgages- personal investment- retirement annuities & drawdown- inheritance tax planning
- RBS Independent Financial Services Ltd
  Dec 2003 - Dec 2009
  Independent Financial Adviser - Corporate & Commercial
  Providing financial planning advice to businesses and their owners:- loan protection- key person protection- executive income protection- group pensions- group life protection- shareholder protection- directors pensions- investing company money- personal protection- personal investment- retirement annuities & drawdown- inheritance tax planning
- Achieve Financial Planning Ltd
  Dec 2009 - now
  Owner
  We provide expert financial planning advice, working with individuals nearing or in retirement, business owners, trusts and professional connections.We help our clients to identify and address shortfalls in their financial arrangements, while seeking to improve the long term returns they can expect for each "unit" of risk they accept.Cash Flow Forecasting which can show if you are likely to run out of money (so you can consider what you need to do to rectify matters) or have excess wealth (so you can consider how much you could perhaps place in trust for your children and grandchildren) is central to our approach. Show less
Licenses & Certifications
- Chartered Financial Planner
  The Personal Finance Society
- Fellow
  The Personal Finance Society

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