Once the courier collects your application pack we do everything from there. We will chase the providers on your behalf by email or telephone until the case is finalised. We will keep you updated throughout.
At Cameron James, a cornerstone of our success is our transparency and is something our clients regularly comment on.
When asked what our existing clients value the most about working with us, transparency was their top answer in 2023, 2024 and 2025.
Transparency means no out of sight charges, hidden commissions or exit penalties that trap you. We provide you with a clear Advice Report, that highlights any provider costs and things to consider. Putting you in an educated position to make informed decisions on your planning.
Under £250K
£250K – £1M
£1M - £5M
A Minimum FCA Authorised PTS Report Fee of £3K applies to Final Salary (DB) Pension Transfer Advice up to £500K.
Kindly note, our Advice Implementation Fees are not tiered. For example, £500K of assets would be charged at 2% (£10,000).
Not as 3% on the first £250K, and 2% on the next £250K (£12,500). All Cameron James costs are total amounts, no additional VAT.
Our philosophy at Cameron James is building long-term relationships with all our clients. As such, any previous fees are considered when advising on further assets. For example, if we initially provide advice on £500K of assets, and fees of £10,000 charged, and later you ask for advice on another £600K (perhaps from inheritance or other pensions), we would consider that as a total of £1.1M at 1% (or £11,000).
So only an additional £1,000 would apply to onboard the new £600K of assets, we would not treat it as a separate piece of advice subject to its fee schedule unless it were unduly complex advice. We do this as we want to encourage our clients to entrust us with their whole financial affairs, which makes our job as “full fat” lifestyle financial planners easier and increases the value of our comprehensive Cashflow Planning.
Kindly see our reduced Annual Planning fees for clients who hold over £1M+ AUA with us. This encourages our clients to entrust us with their wider holistic financial planning, which is when we really come into our own through our Voyant Cashflow modelling.
If you find yourself sitting just below one of our £1M thresholds, don’t worry, have a conversation with your IFA and within reason we will look to get you onboarded on the next fee schedule. Especially if you are planning to onboard more AUA soon. See more on that below!
For many of our clients, the ‘entry point’ to Cameron James is resolving the problem and headache of their UK pension assets. For example, Defined Contribution pensions which were scattered around, poorly invested or simply unoptimised and not working hard enough for them. Similarly with Defined Benefit transfers, where our clients either felt they were unable to live the life or retirement they wished within the scheme rules, or felt uncomfortable with the limited beneficiary options for intergenerational planning.
Others reach out to us having already taken ‘financial advice’ on their UK pensions which they now regret. Finding themselves in a SIPP or QROPS they are unhappy with. Common frustrations include excessive or untransparent charges that stifle their growth, or simply not receiving any real ongoing valuable service in return for the costs they are paying.
Once onboarded with Cameron James, we find the majority of our clients continue to onboard further assets with us after seeing our strong advice levels and performance. Past performance is no guide to future performance, but it has certainly been a determining factor for many of our clients in subsequently appointing us as their IFA across all their policies.
That takes hard work and building trust on both sides, which is what we are all about. It is also worth noting that the initial pension transfer or change of adviser can take many months depending on the complexity of the pension transfer and the ineptitude, or greed, of their existing provider.
During that waiting period, rather than watching paint dry with these schemes, our Advisers are trained to continue discovering how we can help our clients improve their holistic financial planning; whether that be through ensuring our clients have the necessary Wills, LPAs, Inheritance Tax or Estate Planning, Income & Life Protection in place to protect their family or the usual suspects of optimising GIAs and ISAs, or setting up JISAs and Junior SIPPs for the next generation.
If you are looking for a transactional one-off relationship, then we are unlikely the best fit for you. We are proper financial planners and so you will find us annoying as we look to find more ways to improve your finances or bring to your attention things you may not have considered yet for your beneficiaries.
| Assets Under Advice (AUA) | Annual Planning |
|---|---|
| Up To £1 Million | 1% |
| £1 Million + | 0.9% |
| £2 Million + | 0.8% |
| £3 Million + | 0.7% |
| £4 Million + | 0.6% |
| £5 Million + | 0.5% |
Simple, Transparent & Straightforward.
If you have a DB Pension, Steps 2 & 3 With PTS.
Really happy with my CJ experience, cannot fault their due diligence and efficiency. Dominic and his Team go above and beyond to support the process in a very friendly and helpful manner. Clear communication throughout the process of transferring multiple pensions in to my SIPP despite the administrative hurdles thrown out by Pension Providers. The SIPP has proved to be tax efficient and I highly recommend the process, using this super knowledgeable and trustworthy Team, thank you !
Once the courier collects your application pack we do everything from there. We will chase the providers on your behalf by email or telephone until the case is finalised. We will keep you updated throughout.
You have come to us for advice. Our job is to educate you and help you make informed decisions. Our Adviser will explain things as many times as you need.
Every advice report has a dedicated cost page. No jargon. No small print. Just clear and easy to understand costs for you to make an informed decision based on the benefits and the costs of the advice.
Your application pack will be securely couriered and collected from you anywhere in the world. We pay for this. This ensures faster transfer speeds on all pension work and also allows us to monitor the arrival of your application and our admin resources to ensure your case starts being processed on the day of arrival.
Your dedicated Adviser & Admin will prepare any Financial Paperwork, Admin or Forms that you may need to complete. This saves you time and reduces errors once submitted.
You also have your own dedicated Admin. This means if you ever need assistance you can reach out directly to your Admin who is already familiar with your policy. This is also helpful if your Adviser is busy helping another client.
Direct line to your Dedicated Adviser. No hold music.
Financial solutions are intangible. However, making the correct decision is important. Our advice reports ensure you have all the important facts and information in B&W.
One size does not fit all. Everyone’s situation and requirements are slightly different so receiving personalised advice are essential. Our advice is taloired to you.
We are not tied to any provider. We scan the whole of the market and provide you with unbiased advice on the solution that best matches your requirements. This is in contrast to restricted advice, such as Barclays who can only advise from a range of in-house solutions.
There is never additional charges for any follow-up appointments. We like to keep it simple. Your cost of advice will not increase no matter how long or how many times you may need to speak with your Adviser.
All clients receive a free consultation for us to understand their requirements and goals in greater detail. This meeting is the first stepping stone in your relationship with CJ.
In our teams experience consistent check-ins on the transfer status yields quicker results for clients. We have scheduled times to chase up all existing paperwork. Fun times!
Some email chains are never-ending. Our staff stick to the task circumnavigating and minimising pension transfer delays and updating you only when required. Allowing you to get on with better things in life.
Once your forms are returned we take responsibility for all transfer related tasks. Our experienced staff are trained in dealing with pensions providers and bureaucracy so that you do not have to.
Whether you hold a DB or DC pension, we complete all of the legwork in obtaining the relevant information. We will not bore you but this is a timely task and why our admin are professionally trained in what to look out for.
Just choose when you want to talk and we will setup a free call. It’s that easy.