James Larton

James Larton

Truly Independent Limited

Minimum savings/pensions: Over £100,000

0330 038 8940
Based in Lancaster
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Top Rated 2025
Verified since: November, 2018

5 out of 5

76 reviews


Checks carried out by VouchedFor

  • FCA status: Certified by Firm

    Last checked: 17 March 2025

    James is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed James's status

  • 8

    Recent Client Reviews

    Verified reviews: 100%

    James has received 8 client reviews in the past 12 months; 100% of these have been verified

  • Independent Financial Adviser

    Last checked: 13 March 2025

    An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.

  • 6

    Qualifications Uploaded

    6 qualification certificates available to view

    James has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below

  • Transparent Fees

    James has provided information on their typical fees

    James has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below

  • 6

    Positive First Impressions

    100% of users who are not yet clients had a positive first experience with James

    100% of VouchedFor users have had a positive (4 or 5 star) first experience with James (based on 6 first impressions)

Checks carried out by VouchedFor

  • FCA status: Certified by Firm

    Last checked: 17 March 2025

    James is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed James's status

  • 8

    Recent Client Reviews

    Verified reviews: 100%

    James has received 8 client reviews in the past 12 months; 100% of these have been verified

  • Independent Financial Adviser

    Last checked: 13 March 2025

    An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.

  • 6

    Qualifications Uploaded

    6 qualification certificates available to view

    James has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below

  • Transparent Fees

    James has provided information on their typical fees

    James has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below

  • 6

    Positive First Impressions

    100% of users who are not yet clients had a positive first experience with James

    100% of VouchedFor users have had a positive (4 or 5 star) first experience with James (based on 6 first impressions)

Based locally, I am an Independent Financial Adviser, providing a fee based Financial Planning service with a key focus on Retirement Planning, Pensions and Tax-efficient Investments. I work with business owners and private individuals to help them plan a financially secure, comfortable and fulfilling retirement. Often it is the first time they have really considered their current net worth, future income streams in retirement and potential legacy. Accruing wealth and capital for future income, demystifying the world of Pensions, explaining Pension income options at retirement and using the tax-breaks still available are a core part of the advice delivered as Holistic Financial Planning, in a clear, concise, no-nonsense way. Not just an 'order taker' for financial products, I help people reach decisions on what they wish to do with the rest of their life, establish what it will cost and recommend how to achieve it. My specialist area is retirement planning, from accruing sufficient assets, including consolidating and revitalising existing arrangements and use of accumulated assets to provide income in the most tax efficient way possible. In addition, I advise on savings and investments, financial protection (the 'safety net' for businesses, individuals and their dependents), trusts and tax planning. Specialties: Retirement Planning, Pensions, Pension Income Options at Retirement, Capital Investment for Growth and Income, Tax-efficient Investment, Wealth Management, Wealth Protection, Inheritance Tax Planning. Primary areas covered: Lancaster, Morecambe, Garstang, Preston, Longridge, Clitheroe, Lytham, Fleetwood, Blackpool, Cleveleys, Carnforth, Kirkby Lonsdale, Kendal, Lake District'. I would be delighted to discuss and demonstrate the very clear way in which advice is delivered, the use of charts, graphs and pictures to illustrate the implications, risk and opportunity of my recommendations and the open affordable way in which I charge for my services. We offer financial advice for everyone.

Offers available through VouchedFor

Contact James through VouchedFor and your initial 1 hour meeting or phone call will be free of charge. You can use this to discuss your situation and find out whether you feel they are a good match for you.

£430,000 Consumer Protection

Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).

About James's clients

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Adviser Disclaimer

Truly Independent Ltd is a Firm of Independent Financial Advisers authorised and regulated by the Financial Conduct Authority and is bound by its rules. You can check this on the Financial Services Register by visiting the FCA's website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768. Our Financial Services Registration No is: 513655. Our permitted business is to give advice and arrange on a range of financial products including but not limited to, pensions, collective investments (eg unit trusts, OEICs, ISAs and investment trusts), individual savings accounts, life and general insurance, mortgages, 2nd charge mortgages and lifetime mortgages. Terms of Business https://trulyifa.co.uk/wp-content/uploads/2020/09/CAA-Pension-Investment-Protection-Aug-20.pdf https://trulyifa.co.uk/wp-content/uploads/2020/02/CSA-Client-Support-Agreement-Dec-2019.pdf