Financial Adviser in Lancaster

James Larton

I am an experienced independent financial adviser in Lancaster, 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 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.

I provide a wide range of financial advice in Lancaster. 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.

Specialities include: Retirement Planning, Pensions, Pension Income Options at Retirement, Capital Investment for Growth and Income, Tax-efficient Investment, Wealth Management, Wealth Protection, Inheritance Tax Planning.

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.

If you are looking for a financial adviser in Lancaster I offer a complimentary, no-fee, initial consultation (either face-to-face or over the phone) for customers. Please contact me to arrange yours.

Financial Advice Services

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My Financial Advice Process


At your initial meeting (which is free of charge) I will discuss the advice process with you and help you understand how I am able to assist with your financial needs.


I will carry out an extensive assessment of your financial circumstances to understand your situation and present you with an appropriate recommendation.


I will arrange and implement your agreed plan. This will include handling all of the fund and policy administration and ensuring documents are issued in line with your expectations.


As your financial and personal objectives may change over time I believe ongoing support is crucial in ensuring your investment portfolio remains up to date and will give you regular updates and information regarding your investments.

Financial Guidance