Let's talk wealth management

We offer wealth management services and other financial products that you can trust. Speak to a James Leighton Wealth Management adviser today.

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Accessible wealth management for everyone

James Leighton’s personalised wealth management services are designed for everyone, no matter what your finances look like. Our Nottingham-based financial advisers can help you at every financial level to grow your financial future.

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Low-cost fee structure

All clients benefit from our low fees. We support underserved individuals, high-net-worth clients, and investors with significant wealth, as well as everyone in between.

Simple, transparent and flexible

Our fee structures are adaptable, but easy to understand. Choose from Core and Complex or mix and match.

Trusted, dependable financial advice

An Appointed Representative of Quilter and the Restricted model, you can bank on the fact you’ll be receiving only the most suitable advice.

Nottingham-based, UK-wide expertise

Local expertise, national knowledge

We are based in the Sandiacre area of Nottingham and our clients come from all over the UK, as well as the local and surrounding neighbourhoods. While some travel to our offices, others prefer to contact us by phone or email. We are happy to work in whatever way suits you best.

Having been established since 2010, we have dealt with many financial services throughout the years – from health and life insurance to retirement, pension and investment and estate planning companies – building strong working relationships and good connections countrywide. Our team of advisers are friendly, professional and have decades of experience. So, wherever you are you can relax knowing you will benefit from, and will have full access to, all our financial services.

About us

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Call: 0115 870 9520
Email: wealthadvice@jlwm.co.uk

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Personalised retirement planning solutions

Tailored retirement planning to secure your financial future

Our personalised retirement planning services offer tailored solutions for savings, investments and pension options that can help you achieve your long-term financial goals. It’s never too early to plan for your retirement and we can help make it easy. The first thing we establish is what a happy retirement looks like to you – we know that can change along the way, but it makes for a great starting point. We then look at what you’re going to need to achieve your vision. How much you are going to need to be able to live comfortably. And the next stage is working out how you’re going to get there – your plan. Whether you’re starting to consider your retirement, or you want to review your current plans, we’re here for you.

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Tailored wealth management, financial security

Personalised wealth managementfor long-term financial success

James Leighton Wealth Management’s advisers create personalised strategies to help you achieve long-term financial security and growth. We provide a comprehensive range of services which can help you do this.

We offer investment management strategies that are tailored to manage and grow investments. And our financial planning services create a roadmap for helping you achieve your financial goals. We can help you plan for your own private wealth and intergenerational wealth management with customised strategies designed to meet your specific needs. We consider efficient tax planning strategies devised to help you minimise your tax liabilities. And we can help with asset allocation – one of the most important decisions you’ll make as an investor. We’ll discuss the three determining factors to ascertain what asset class you might want to invest in – time, risk and your investment goals. And we offer retirement planning services. We can provide any of these services individually or we can take a comprehensive look at all of them, and how they can work together.

Wealth Management

1

Initial consultation

Let's talk about your financial circumstances

The initial consultation is crucial as it lets you discover whether you can secure a mortgage and will tell you how much you could borrow. It’s also an excellent opportunity to discuss any questions or concerns you have about your personal finances or the mortgage process itself. Our specialist team of Qualifiers will gather information about your personal and financial circumstances and, with your express authority, will provide you with a Decision in Principle (DIP). Think of it as your golden ticket to go house-hunting (if you haven't started already).

Reservation

Secure your new home

Once you have been financially qualified for a mortgage and you’ve found a property, you will be able to reserve a property or make an offer on your new home.

Documents

Time for some paperwork

At this stage you will be assigned a Case Management team to oversee your entire home buying journey. They will help you to gather any documents required to process your mortgage application and will then book you in for an appointment with one of our expert mortgage advisers at a convenient time for you.

Mortgage appointment

Speak to an adviser

This process takes around 30-60 minutes, but it can vary based on how many applicants will be on the mortgage, whether there are any unique details that require further discussion, and whether you have any questions. During this time, your mortgage adviser will have an in-depth conversation with you to understand your needs, conducting thorough and comprehensive research to find a mortgage product that aligns with your specific requirements.

Mortgage application submitted

We'll take it from here

Once you have given us authority to proceed with your mortgage application, it will be submitted to your lender for approval. Rest assured, your Case Management team will be on top of things, keeping a close eye on the progress of your application throughout the entire process.

They will maintain open lines of communication, liaising between you, your lender and your solicitor, on your behalf. They will ensure any queries or additional information required are promptly addressed.

Protection appointment

We've got you covered

While your mortgage application is being reviewed, you will be booked in for a protection appointment. The primary objective of this appointment is to ensure that you are adequately covered and protected in the unfortunate event of any unexpected circumstances affecting your income or health. These protection options include income protection insurance, critical illness cover or life insurance. The purpose of these policies is to provide you with financial support in challenging times, ensuring that mortgage repayments and other commitments can be met and allowing you to focus on recovery without the additional burden of potential financial strain.

Valuation

The final mortgage checks

Your chosen lender will take the necessary steps to assess the value of your new property. This valuation process is conducted independently by the lender to ensure that the loan amount you require reflects the true value of the property. The purpose of this valuation is to protect both you and the lender, as it ensures that the mortgage is in proportion to the property's worth. You don't need to take any action during this stage of the process. Your Case Management team will inform you of the outcome.

Mortgage offer

Full steam ahead

Your Case Management team will be in touch to tell you as soon as your mortgage offer has been approved. They will guide you through the details of the formal offer, ensuring that you have a clear understanding of the terms, conditions and obligations associated with it. They can answer any questions you may have and will provide guidance on the next steps to finalise the mortgage process.

Arranging home insurance

Make sure you are protected

At this stage it is crucial to have buildings insurance in place, but we usually advise you to insure the contents too. With your permission, your Case Management team will arrange this insurance policy on your behalf. We work closely with a highly reputable insurance provider to ensure that you have access to competitive rates and comprehensive coverage that suits your specific needs.

Exchange of contracts

Making things official

At this stage, your solicitor will arrange for the signing and exchanging of contracts between all parties, officially solidifying the agreement. It's important to note that once this exchange takes place, you are legally bound to the purchase of your new home. Once the contracts are exchanged, you can look forward to securing your moving date.

Completion

Welcome to your new home

Congratulations! This is the day you will get your keys and can move into your new home.

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Our years of experience mean we provide trusted, professional guidance for your financial future.

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Tailored financial solutions

James Leighton Wealth Management offers customised strategies to meet your individual needs, based on your current circumstances and financial goals. We listen to your short and long-term objectives and provide bespoke solutions to help you achieve them.

Ongoing financial support

We are committed to helping you on your financial journey every step of the way. Here to assist as you navigate life’s little – and bigger – bumps, we provide continuous guidance to adjust strategies as your circumstances, and finances, evolve.

Trusted expertise

Our team delivers sound, evidence-based advice built on years of experience. With a proud history of helping clients in all areas of financial and tax planning, and wealth management, you can be assured your financial affairs are in safe hands.

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Holistic approach

Our holistic approach to comprehensive planning covers all aspects of a client’s financial life; meaning you can turn to us for any financial matters that may need attention and be sure of an extremely well-rounded service.

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40,000

is how much better off those seeking professional financial advice are on average.

The value of financial services is not easy to pinpoint. According to an International Longevity Centre (ILC) think-tank report, it’s around £40,000.

Flexible appointment options

You can schedule either in-person or remote appointments for personalised financial advice, ensuring they work around any other commitments, offering convenience and flexibility.

Book online

Planning your legacy

Strategic estate planning solutions

Our personalised estate planning services are designed to help you protect your assets, minimise tax liabilities and ensure your wishes are honoured through wills, trusts and other legal tools. We create a plan, outlining how you would like your assets to be distributed after death. Once you have decided who you want to receive your property and assets, we address settlement of estate taxes and debts, making plans for any financial obligations that might arise.

Discover more

FAQs

Q

How can I minimise taxes on my investments?

A

You can do this in various ways. One of the easiest is to utilise your Individual Savings Account (ISA) allowance. You can increase your pension contributions. And you can manage Capital Gains Tax (CGT) on other, non-ISA, investments. It pays to be mindful of your personal savings allowance. And you can use your spouse’s allowance, depending on your relationship status.

Q

Is wealth management only for high-net-worth individuals?

A

Contrary to popular belief, wealth management services are not just for high-net-worth individuals. Because wealth management covers a multitude of financial planning areas – from investment management to retirement planning – it is useful for everyone. Designed to help you grow and protect your wealth – even transfer it across generations. Our wealth management provisions are accessible for all our valued clients.

Q

What types of investments should I consider?

A

It may be prudent to invest in various assets. There are many to choose from: stocks, bonds, ETFs, mutual funds, annuities, derivatives, commodities, property, private companies, and more. Perhaps unsurprisingly, each bring their own pros and cons – some will be higher risk than others for example, though these often tend to lead to higher rewards if the risk pays off.

Our team

Our team has built a reputation for being helpful and dependable. They will listen to your needs intently before considering the best course of action. Understanding how complex the world of finance can be at times, they will avoid jargon and carefully clarify all important matters.

Experience and expertise

Each member of our team is highly experienced and qualified in financial advice. Their expertise ensures our clients receive the best possible guidance in navigating all areas of their financial journey, no matter how complex. The care they take and their service standards are exceptional.

Building wealth solutions

Savings and investment strategies

Tailored savings and investment strategies help you grow your wealth and achieve financial goals through informed decisions and effective portfolio management.

For a future that’s financially secure, our bespoke wealth management advice is designed for all stages of your financial life. With customised savings and investment strategies, you can make informed decisions with confidence. We look at portfolio diversification – a strategy that combines a broad spectrum of investments within a portfolio – along with risk management. Whatever your vision, whatever your individual set of financial goals, whatever aspect of wealth management you need help with, our experienced and dedicated team will be by your side every step of the way – for assisting you with the bigger decisions and the smaller ones. It is our unwavering aim to help you grow and protect your wealth.

Call: 0115 870 9520
Email: wealthadvice@jlwm.co.uk

61%

of Brits invest according to the UK Investment Report

Cash ISAs proved most popular for growing money – though they’re more like a traditional savings account – suggesting many prefer low-risk options.

*Source: UK Investment Report

Let's talk wealth management

Insights

About us

Accessible wealth management for everyone

Low-cost fee structure

Simple, transparent and flexible

Trusted, dependable financial advice

Local expertise, national knowledge

Tailored retirement planning to secure your financial future

Personalised wealth managementfor long-term financial success

1

Let's talk about your financial circumstances

Secure your new home

Time for some paperwork

Speak to an adviser

We'll take it from here

We've got you covered

The final mortgage checks

Full steam ahead

Make sure you are protected

Making things official

Welcome to your new home

Tailored financial solutions

Ongoing financial support

Trusted expertise

Holistic approach

40,000

is how much better off those seeking professional financial advice are on average.

Flexible appointment options

Strategic estate planning solutions

FAQs

Q

How can I minimise taxes on my investments?

A

Q

Is wealth management only for high-net-worth individuals?

A

Q

What types of investments should I consider?

A

Savings and investment strategies

61%

of Brits invest according to the UK Investment Report

Get in touch

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