Financial Advice

James Storey has been in the financial services industry for over 18 years addressing the needs of his clients. When asked, his clients have said that he advises in a way which is "easy to understand, jargon free and that he is passionate about the service he provides".

He specialises in pensions and investments but can help you with all areas of general financial planning, which includes the following:

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Due to new government changes, most employers will have to offer their staff a company pension with contributions coming from the company and the staff. The choice of which provider to use is a difficult one and setting up a suitable pension is not as simple as you may think. James can help you decide how much to put in, what scheme to use if NEST is not suitable and how to communicate to staff in a timely fashion.

Pension Consolidation

The days of people working 40 years for the same company and getting a proportion of their final salary are reducing, meaning many clients find themselves with numerous pensions fragmented across different pension providers. James can analyse your existing holdings, compare pension projections and advise whether it is in your interests to bring them together, allowing easier management and more control.

Post-Retirement Planning

Lifetime Annuities, Enhanced Annuities, Flexible Drawdown, Capped Drawdown, Scheme Pension are some of the options available to you when looking at taking an income from your pensions. With annuity rates at an all-time low James can help advise you in what will be one of the most important decisions of your retirement.

Pre-Retirement Planning

With the budget bringing increased flexibility to pensions, James can explain how this can benefit you and your family when saving for retirement. He will advise you on how much you will need to save in order to fund the retirement you require.


There are many reasons for investing money and many factors to consider before choosing a suitable path. James will gather a comprehensive view of your circumstances, the timescales and objectives you require before creating a bespoke solution to satisfy your goals.


Most people realise that they need to protect a mortgage but many neglect to protect themselves and their loved ones against unforeseen circumstances such as death, loss of income or diagnosis of a critical illness. Whilst it is never a subject we like to discuss, and one we often ignore for this reason, it is a necessary one. James can help advise you on the level and type of cover you need whilst working within your budget.


Over the past few months the way in which lenders assess mortgage applications has changed and acquiring the right mortgage is not as straightforward as many may think. When making one of the biggest financial commitments in your life, James will ensure you obtain the right independent advice to secure the most appropriate mortgage for your circumstances. Importantly, he will remove the risk of approaching lenders who decline an application, which in turn will have a detrimental effect on your credit rating.

If you would like an initial consultation, with no obligation and at our cost, please call James on
01344 577890
or contact

James Storey

For more information,
please contact:

James Storey
T: 01344 577890
M: 07770 965 677


James Storey
Tel: 01344 577890
Mobile: 07770 965 677

Head Office

Pennymatters Ltd
Building 329, Doncastle Road
Bracknell, Berkshire, RG12 8PE
Tel: 01344 988390

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