Most days, I sit with clients over a cup of tea and a few too many biscuits... We talk about holidays, the grandchildren, and plans for the home.

But underneath that, the real questions are always the same:

Do I have enough?

Will it cover care if I need it?

And can I pass money on to my family without losing a large portion to tax?

That’s where I bring clarity. I’m James Murphy. I have worked in financial services for over 15 years and currently support over 100 families, with the average client age being 67.

I mainly work with retired clients, helping them find practical solutions to the financial issues that matter most to them... including structuring their assets efficiently and planning how wealth is passed on, often using trusts where appropriate.

Choosing a financial adviser is not a transactional decision. It’s important to find someone you trust and feel comfortable working with over the long term, so I always encourage people to take their time and ensure the right fit.