BESPOKE FINANCIAL SOLUTIONS

TIM WHITING • FOUNDER & MANAGING DIRECTOR

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INTRODUCTION

When I founded Timothy James & Partners in December 1995, I didn’t want to provide the same service that banks, building societies and other financial advisers offered. Instead, my vision has always been to create a company built on strong long term client relationships.

I wanted to offer a professional service founded

on old fashioned values: phones answered by real

people who recognise who you are, consultants

who really want to get to know you and client-

adviser relationships that make you feel valued.

We want to be as important to our clients as they

are to us.

Not everyone has access to Timothy James &

Partners – it is by introduction only. Our main

focus is on the self-employed or business-owner

who has been referred to us by an existing client,

their accountant or solicitor. We only accept new

clients by referral as it’s very important to us to

establish a long-term relationship based on trust

– and that trust is there from the outset when your

accountant, solicitor or friend has experienced the

service and the results of our recommendations.

Often the fee you agree to pay us for providing

financial advice does not produce a tangible

result straight away... It may take years! That’s why

we believe clients who are referred to us already

have faith in our approach.

The term ‘independent financial advice’ means

that we sit on your side of the table when

considering all of your financial options. Our

primary aim is to ensure that we tailor the most

suitable solution for you and your future situation

by gaining an understanding of exactly who you

are and how you ‘tick’.

We have always operated on a client agreed

remuneration basis whereby our fee structure

is agreed by you. We are directly regulated by

the FSA (Financial Services Authority) and pride

ourselves on staying up to date with rapidly

evolving economic events and tax changes. Over

the past two years we have taken on over 500

new clients and invested £1.62m per week of new

savings and investments on their behalf.

Our consultants have never earned a bonus

or commissions, just a well-earned salary. I

have never quite understood how you can be

‘impartial’ whilst receiving a financial incentive to

recommend one solution over another.

At the heart of our philosophy —and success—is a

strong belief that independent financial advice is

all about building long term relationships. We are

not confined to recommending one-off solutions:

we advise on the financial long-term implications

of your life.

On behalf of myself and the team, welcome to

Timothy James & Partners. We look forward to

getting to know you.

Tim WhitingFounder & Managing Director

JESSICA AYRES • FINANCE EXECUTIVEPAUL KIPPIN • FINANCE EXECUTIVEANGELA JARVIS • FINANCE EXECUTIVE

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OUR SERVICES

This brochure is designed to give you a taste of our unique approach at Timothy James & Partners.

At the heart of what we do is a passionate focus

on the individual – your situation, your needs,

your aims and objectives. It’s this personalised

interaction with our clients that inspires truly

bespoke, long-term financial solutions.

The process starts with a conversation, between

you and one of our experts. We sit down for a

couple of hours and discuss your current situation

and your aspirations for the future.

The services that we can provide are then tailored

to your specific needs. At Timothy James &

Partners, it’s all about you.

“Wealth is not his that has it, but his

that enjoys it”Benjamin Franklin

ANTHONY FOWLER • FINANCIAL CONSULTANTPHILIP STEER • FINANCIAL CONSULTANT SIMON HOLLYHOMES • FINANCIAL CONSULTANT

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GENERAL FINANCIAL TIDY UP & OVERVIEW

One of the main reasons that people come to us is that they require an overview of their current financial situation.

This usually includes a technical analysis of their

existing policies, investments, savings, mortgages

and business finance.

Whatever your objectives and ambitions – and

no matter whether your goals are short-term or

long-term – we’ll map out a financial strategy

that’s designed to get you from where you are

now to where you want to be.

“You only live once, but if you do it right,

once is enough“Mae West

NEIL AVERY • ASSOCIATE DIRECTOR IAN HART • ASSOCIATE DIRECTOR

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“Life is like riding a bicycle; in order to keep your balance you must

keep moving” Albert Einstein

PROFESSIONAL CONNECTIONS

Most of our clients are introduced to us either by personal recommendation or via our close network of professional associates such as your accountant or solicitor.

We strongly encourage a three-way relationship

which creates a more coherent and structured

approach for our clients. So everyone knows

what is going on and what we are trying to

achieve collectively.

IAN HART • ASSOCIATE DIRECTORANDY BRACKEN • ASSOCIATE DIRECTORROBERT GUY • ASSOCIATE DIRECTORCHRIS BRYANS • DIRECTOR

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INVESTMENT PORTFOLIO MANAGEMENT

Before we even begin to look at your specific investment and savings options, we first consider your monthly expenditure and determine how much money you will need to maintain your standard of living both today and when you stop work.

The next step is to consider your tolerance to risk, so that we can understand how you would feel about short-term fluctuations in capital value and income versus long-term gain. We then plan how to achieve a certain income from a portfolio of accumulated assets.

We offer three different investment propositions depending on your objectives and which service

“There are people who have money and people who are rich”

Coco Chanel

best suits your needs. We constantly interview top performing fund managers and economists to keep ourselves abreast of the opportunities and risks.

A prudent lower risk approach can quite often deliver a decent income above cash returns – whilst the more adventurous client (with a much longer time frame) may want some of their

portfolio facing the capital growth opportunities of overseas shares.

The savings and investments we structure mirror your personal attitude towards risk, and your tolerance for volatility.

ANGELA TORPEY • OPERATIONS DIRECTORTIM WHITING • FOUNDER & MANAGING DIRECTOR

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PERSONAL & CORPORATE PROTECTION

We always consider what would happen in the event of the premature death of a breadwinner or parent of dependent children.

As many of our clients are self-sufficient with high

liabilities and young children, we would highlight the

necessity of having sufficient critical illness and life

cover to pay off your mortgage, or perhaps cover

the costs of school fees, or maintain your standard

of living requirements.

We also consider what would happen to the shares,

partnership equity or turnover of your business

should a key member of staff become seriously ill

or die.

“Life is what happens while you are busy

making other plans”John Lennon

CHRIS BRYANS • DIRECTOR

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CORPORATE FINANCE

Many of the clients we look after are business-owners and self-employed individuals. So when it comes to their business they may require guidance in some of the following areas:

• Overdraft facilities

• Capital expenditure loans

• Business loans

• Invoice discounting

We consider the last 3 years accounting evidence

in order to tailor commercial financing for the

business, and introduce you to a bank manager we

feel confident can support your company needs -

and whose personality is a good ‘fit’.

Our entrepreneurs really appreciate this individual

tailored service.

“To be yourself in a world that is constantly trying

to make you something else is the greatest accomplishment”

Ralph Waldo Emerson

“Many people will walk in and out of your life but only the friends will leave

footsteps in your heart”Eleanor Roosevelt

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DAWN BUCKLAND • ASSOCIATE DIRECTOR JESSICA AYRES • FINANCE EXECUTIVE

ROBERT GUY • ASSOCIATE DIRECTORANGELA TORPEY • OPERATIONS DIRECTOR

ANGELA JARVIS • FINANCE EXECUTIVE

LYNNE CHAMBERLAIN • RECEPTIONISTABBIE RANDALL • FINANCE EXECUTIVEVRINDA PENDRED • FINANCE ADMINISTRATORMATTHEW BROWN • FINANCE EXECUTIVE

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PENSION & RETIREMENT PROVISION

One of the key areas of financial advice we give is how you can structure your finances so that you can have the option of stopping work in the future.

Pension contributions are highly tax-efficient but

provision can also come from investment properties,

the sale of a business or a future inheritance.

Many clients come to us having been sold different

products over the years. Where it’s appropriate,

we consider consolidating all of your fragmented

“pots” into one pension solution to achieve one set

of paperwork and a transparent charging structure.

We partner this solution with an up to date investment

portfolio in tune with your current attitude to risk and

the macro economic picture.

“A goal without a plan is just a wish”

Antoine de Saint-Exupéry

CHRISTOPHER HEATH • MORTGAGE DEPARTMENTDANIELLE PANTELI • MORTGAGE DEPARTMENT

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MORTGAGES

We understand your finances completely and are ideally placed to advise you on the right mortgage solution for your requirements.

Raising finance for a property purchase or

re-mortgage can be a complex and stressful

experience. Our dedicated mortgage team

will guide you through this process and look

to overcome any possible pitfalls. We have

independent capability to source the most

appropriate mortgage deal and present your

application to the most suitable lender.

We then liaise with the surveyors, lawyers and

estate agents to smoothly manage the process

through to completion.

“The future is something which everyone reaches at the rate of 60 minutes

an hour, whatever he does, whoever he is”

C.S Lewis

ANDY BRACKEN • ASSOCIATE DIRECTOR

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INHERITANCE TAX PLANNING

It is important to maintain your own financial independence for the whole of your life. Nursing and healthcare costs in the future can be expensive.

However, once we have decided how much capital and income you require, recommending gifts, setting up trusts or perhaps insuring the inheritance tax liability may save your family a considerable sum.

We work closely with your lawyers and accountants to make sure your Will reflects your wishes, and is written in a way that will take into consideration inheritance tax mitigation.

We ensure powers of attorney are complete and any trusts, where appropriate, are implemented straight away or on death. We then work with your lawyers to

update and manage this process on an annual basis.

“Change is the law of life. And those who

look only to the past or present are certain to

miss the future”John F. Kennedy

ANDY BRACKEN • ASSOCIATE DIRECTORANGELA TORPEY • OPERATIONS DIRECTORTIM WHITING • FOUNDER & MANAGING DIRECTORCHRIS BRYANS • DIRECTOR

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COMPANY INFORMATION / FACTS & FIGURES

Timothy James and Partners Ltd

Established: December 1995

Employees: 40

Number of clients: 4643

Funds under management: £450 million

(as at September 2012)

Top 100 IFA (out of 7500) measured by turnover

(City Wire 2012)

As Independent Advisers, we can choose

from any pension and investment company

when dealing with financial planning affairs.

Similarly, we are able to recommend any bank,

building society or lender when helping you to

arrange a mortgage. We can therefore offer

truly impartial advice.

All our consultants are fully qualified and the

majority have attained or are on their way

to attaining Chartered Financial Planning

qualifications.

Timothy James & Partners Ltd are authorised and

regulated by the Financial Services Authority and

fully comply with “Treating Customers Fairly”

Timothy James & Partners Ltd dovetail with other

professionals to enhance the services and support

that we are able to provide in following key areas:

• Stockbroking advisory services

• Accountancy - tax planning, business planning and cash flows

• Solicitors - wills, trusts and properties

• Actuarial firms

• Business financing

Timothy James & Partners Ltd.

247 Tottenham Court Road

London

W1T 7QX

Tel: 020 7436 6446

Fax: 020 7436 6447

Email: info@tjpltd.co.uk

website: www.tjpltd.co.uk

CONTACT US

247 Tottenham Court Road, London, W1T 7QX • Tel: 020 7436 6446 • Fax: 020 7436 6447 • Email: info@tjpltd.co.uk • Website: tjpltd.co.uk

Founder Directors: T.J. Whiting • Directors: C.R. Bryans & A.M. Torpey • Timothy James & Partners Ltd

Registered in England No. 3138148 • Authorised & Regulated by the Financial Services Authority

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