Philip James Financial Services has been built on personal recommendation and provides direct, independent financial advice you can trust. With over 30 years of experience founder and Principal Adviser, Philip Hanley, offers a free initial consultation and can help with: * Investments and Savings We've seen plenty of ups and downs in financial markets over the years. We know that most of our clients want to get a decent return without taking too many risks. We can help by organising your savings to provide a regular, monthly income and working with leading portfolio managers to grow your invesments *Pensions and Retirement Planning If you're confused by the complexity of the options, either before or at retirement, we can show you how to make the best of what you have, or to build your fund for the future. *Business and Personal Protection Are your family or business finances properly protected against death or illness? Will the policies you have do what you want them to? Let us review what you have in place, or advise what's needed. * Mortgage Advice In conjuction with Anne Hester Mortgages *Wills and Estate Planning In conjunction with Alan Gilbert of Estate Planning Solutions * Occupational Pensions In conjunction with Steven Owen, Pensions Transfer Specialist