James Mercer

I am able to source products and funds from the whole of the market and aim to build long lasting professional, trusting relationships with clients and their professional contacts such as accountants and solicitors, ensuring that all customers are treated fairly. My aim is to enable my clients to achieve financial independence. What does that mean? Well, it means that my clients get to choose what to do, when to do it and how much to spend because they had the foresight to plan ahead. Areas of expertise include: -Workplace Pension planning and review; -Personal retirement planning (personal pension reviews and transfers) -Annuities (lifetime, fixed term, income drawdown) -Mortgages (residential, buy to let) -Investments (portfolio management and review) -Protection (life, critical illness, and income protection) Clients can visit 2plan' office at 110 Heron Tower in London for appointments, alternatively I can arrange a meeting at a location that is mutually convenient. I cover from Orpington to Clapham Junction, including Petts Wood, West Wickham, Hayes, Beckenham, Croydon, Wallington, Brixton, Streatham, Balham and surrounding areas. Get help with setting up auto enrolment as an employer or get a better understanding of an auto enrolment scheme you are signed up to as an employee. Get help with understanding your options for releasing equity from your home. Understand the main options, the costs associated and the long term implications of each option. Equity release will reduce the value of your estate and could affect eligibility to means tested benefits. Your adviser should be able to assess and explain this to you. Warning: A Lifetime Mortgage is not suitable for everyone, and it is important to seek financial advice before taking any action. All other options available should be explored before choosing equity release.Interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home potentially to nothing. Please discuss with your family and beneficiaries. Get help with a wide range of investment options, including equities, funds, bonds, and ISAs. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Get help on making a plan for a comfortable retirement; whether it’s starting a pension or understanding how much you should be contributing to one. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Get help understanding and evaluating your retirement options, whether it be via an annuity or a drawdown, or discussing the other available retirement income options for you. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.