James Durey – Financial Clarity
A one-off clarity session for people with pensions, investments, or complex finances who want to understand their position before making major decisions.
No products. No selling. No pressure.
This service is independent of any product providers or advice firms
People approaching retirement who want to understand their pension options
Individuals with significant investable assets who want clarity before making decisions
Families with mortgages and children who want a holistic financial overview
People who feel overwhelmed and want to understand what regulated advice involves (including fees)
Someone only looking for a mortgage
Anyone wanting product recommendations or investment choices
Small, straightforward situations (e.g. investing a modest amount for the first time)
Anyone looking for ongoing portfolio reviews or monitoring
This is a one-off financial clarity and decision-preparation session. I help you understand what you have, how it works, what options typically exist, and what decisions usually come next — so you feel clear and confident moving forward.
Clear explanation of pensions, investments, and financial structures (factual)
Education on pensions, tax wrappers, and key planning concepts (generic)
A structured view of the decisions ahead and what to consider
What to ask a regulated adviser, and what to expect from the advice process
An explanation of what regulated financial advice involves, how advisers typically work with clients, and how fees are structured — so you know what to expect before deciding whether advice is right for you.
Provide regulated financial advice
Make personal recommendations
Select or compare products or providers
Review or comment on specific investments
Provide ongoing monitoring or management
I don’t tell you what to do — I help you understand what you’re deciding.
£495 one-off (introductory).This will increase to £750 once established.
Follow-up clarification sessions can be booked separately if needed.
If you decide you need regulated financial advice after the session, you are free to choose any adviser. If requested, I can introduce you to a trusted regulated adviser — but this clarity service stands alone and works independently.
This service is educational and preparatory in nature. It does not provide regulated financial advice or personal recommendations. All financial decisions remain your responsibility.
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