How we work
A clear process from start to finish.
Six steps, each explained before it happens. You can stop at any point, and nothing proceeds without your instruction.
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Introduce
A short first conversation, by email or phone, to understand what you are trying to protect and whether James is the right person to help.
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Understand
A deeper look at your situation: dependants, debts, existing cover, business structure where relevant. Nothing is recommended before this is clear.
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Compare
Relevant options are laid out in writing: what each covers, what it costs, and where the boundaries are. The comparison stays within James's confirmed scope of advice.
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Recommend
If you want to proceed, you receive a written recommendation with the reasons behind it, including costs, commissions, and any conflicts of interest.
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Arrange
James helps with the application process and keeps you informed of what the insurer needs and what happens next.
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Review
Circumstances change. Cover that fitted five years ago may not fit now, so reviews are part of the ongoing relationship.
Costs, commissions, and conflicts
Wealthpoint's public terms describe a model where advisers may receive commissions from product providers, and where any fee charged directly to you would be disclosed in advance. The terms also describe how conflicts of interest are managed and how complaints are handled.
The summary on this site's disclosure page explains this structure in more detail and links to the published source. Before you proceed, James will explain any fee, commission, or conflict that is relevant to your advice.
Start a conversation
Email or phone is the best way to reach James. This website does not use an online enquiry form.