James Espin

James Espin

IQ Financial Advice

Minimum savings/pensions: Over £100,000

0330 038 8940
Based in Lincoln
View location

Top Rated 2025
Verified since: December, 2013

4.9 out of 5

123 reviews


Checks carried out by VouchedFor

  • FCA Regulated

    Last checked: 11 March 2025

    James and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority

  • 11

    Recent Client Reviews

    Verified reviews: 100%

    James has received 11 client reviews in the past 12 months; 100% of these have been verified

  • Independent Financial Adviser

    Last checked: 14 October 2024

    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.

  • 3

    Qualifications Uploaded

    3 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

    Fees not yet added

    James has not yet added their fees to their profile

  • 45

    Positive First Impressions

    98% of users who are not yet clients had a positive first experience with James

    98% of VouchedFor users have had a positive (4 or 5 star) first experience with James (based on 45 first impressions)

Checks carried out by VouchedFor

  • FCA Regulated

    Last checked: 11 March 2025

    James and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority

  • 11

    Recent Client Reviews

    Verified reviews: 100%

    James has received 11 client reviews in the past 12 months; 100% of these have been verified

  • Independent Financial Adviser

    Last checked: 14 October 2024

    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.

  • 3

    Qualifications Uploaded

    3 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

    Fees not yet added

    James has not yet added their fees to their profile

  • 45

    Positive First Impressions

    98% of users who are not yet clients had a positive first experience with James

    98% of VouchedFor users have had a positive (4 or 5 star) first experience with James (based on 45 first impressions)

At IQ, we work alongside ambitious, successful people to help plan and manage their financial affairs, removing the hassle whilst always ensuring a clear path forward. We offer a comprehensive range of financial services and are happy to work with you on a particular aspect of your situation or to consider all areas in creating you a complete financial plan. Whilst we cover all areas of financial services, my areas of specialism are in retirement and investment planning for clients approaching and moving through their retirement. This includes creating a strategy for producing a retirement income from all available assets and ensuring that any taxes payable are minimised where possible. We strongly believe that a lasting relationship with our clients dramatically improves their lives and therefore advocate working together over the long term. However for those clients who do not want or require this service we are able to provide ‘one-off’ advice at your request. Independent Financial Advice can add significant value to our clients’ lives, both in terms of helping them achieve their goals and in creating peace of mind. We focus on the giving of advice rather than the selling of a product and believe that our impartiality sets us apart from many traditional adviser firms. We believe in transparency at all times and our fee-based approach means no hidden costs or nasty surprises.

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

Based on responses provided by clients who have reviewed this adviser

Clients' level of financial expertise

Household income

Savings

Clients' level of financial expertise

Reviews of James

Are you a client of James? Write your own review

No reviews matching your filter selections.

VouchedFor Disclaimer

Please Note: While VouchedFor.co.uk undertakes significant effort to ensure the information provided on this website is correct, it is your responsibility to confirm its accuracy with the adviser. Any decisions you take having spoken with the adviser must be made by you on the basis of your own investigations. Use of this website is subject to the website terms & conditions and privacy policy. Local rates apply from a BT Landline when calling 0845 numbers, costs from mobiles and other operators may vary.

Adviser Disclaimer

We are unable to assist you with advice in relation to the encashment or transfer of your Final Salary company pension scheme as we do not provide advice on these schemes.