Mission: Provide Every Expat With Access To Regulated & Transparent Financial Advice

01 Problem

Expats Have Been Poorly Served

When it comes to Financial Advice, the Expat market has been poorly served. Cold calls from unqualified Advisers at unregulated companies selling inferior products. Financial Adviser’s using networking and social events to push high commission products with little to no transparency on how they are paid. Many Expats have had bad experiences, and it has been challenging to know where to turn.





02 Solution

C21st Financial Planning

Cameron James guides our clients with EU MiFID regulated advice from an RDR UK qualified Adviser experienced in advising expats globally. Our Costs are transparent so you know exactly how much you are paying for our advice in advance. No surprises. No last-minute add-ons. This allows you to make more informed decisions on you and your family’s future.

Cameron James Developments

Cameron James was born during a British Airways flight between two British Expats exchanging experiences and distrust of Financial Advisers. CJ is now managing portfolios in 27 countries!

Cameron James Developments - Branding CJ branding created in Moleskine on a BA flight (LDN – NCE)
October, 2015
4th Nov, 2016
4th_nov_2016 CJ is officially incorporated in the UK with Companies House
24th_jan Banking operations secured with Barclays and Barclaycard
24th Jan, 2017
23rd June, 2017
23rd_june Exclusive business rates obtained with DHL through increased shipping. Ensuring streamlined processes across CJ
15th_july CJ achieves it breakeven model 16 months earlier than its original business plan. The Team celebrate in English fashion in a British pub in London
15th July, 2017
1st Dec, 2017
1st_dec Corporate agreement signed with Priority Pass to increase the productivity of Advisers when travelling and to reduce the typical fatigue of flying
january_2018 Business decision to provide every Adviser with a full-time Personal Assistant (PA). Allowing Advisers to focus on their energies on client meetings and portfolio analysis and reduce Adviser ‘burnout’. This has improved customer service for our clients and job satisfaction for our Advisers who can spend more time with their clients
1st January, 2018
1st March, 2018
march_2018 Corporate FX contract awarded to TransferWise. Ensuring CJ attains low cost rates on all international transfers and payments transactions. Savings substantial FX fess from Barclays
2nd_may_2018 Enterprise partnership formed with Experian to protect CJ’s company ratings and credentials
2nd May, 2018
21st August, 2018
21st_august Senior management listen to feedback from the Admin Team and decides to move its accountancy and bookkeeping operations to The Accountancy Partnership. This saves a huge number of hours through the integration of Pandle automatic synching between company accounts and accountant. This was a happy day for Admin!
1st_dec_2018 CJ makes Starling Bank its exclusive banking partner. Starling was awarded best British Bank in both 2018 and 2019 with a satisfaction rate of 98.4% (compared to Barclay’s 86.2%). This step forward not only secured lower costs but significantly increased the efficiency of all banking operations across the company.
1st Dec, 2018
6th Feb, 2019
Telecommunication contract switched from EE to Three mobile. Savings an estimated £2,300 pa. Three’s ‘Go-Roam’ business package includes calls and data roaming to over 71 countries. Significantly reducing the cost of international Adviser calls from £1.80 pm while on business travel. While, a 60-minute client call may be wholly necessary, EE’s costs provided poor value of resources. The savings generated are to be reinvested in the technology budget to ensure Advisers are working with the latest laptops.
CJ appoints new CTO to oversee the company’s new website design and development. With the experience of building websites for multinationals such as Adidas, the CTO brings a wealth of experience to the team
15th March, 2019
8th April, 2019
CJ enters a business relationship with Prospect Labs to further improve the user experience of our advice process
Slack enterprise is integrated across all employees to improve the productivity and communication of all internal CJ projects. Estimated to reduce over 1700 internal emails annually
15th April, 2019
1st June, 2019
CJ has existing clients in 27 countries across 6 continents. The company is growing rapidly as more expats make us their trusted Adviser every month. We just need a client in the South Pole to have all 7 continents. Referrals welcome!
Cameron James is proud to provide its clients with access to the lowest cost International SIPP available on the market place. With an Initial Set-Up of £0 and an annual SIPP Trustee Fee of £180 pa (VAT). This partnership with Novia Global provides an excellent foundation for low-cost retirement planning solutions.
18th June, 2019

Why Do Expats Prefer Cameron James?


Clients know how much their advice will cost in advance. No extras.

Approved by Expats

Used & Approved by Expats in 27 countries across 6 continents.

Highly Regulated

Our advice is EU MiFID regulated. All Advisers are UK RDR Qualified.


Our Advisers see thousands of Expat situations. We know your needs.

Dedicated Adviser

Direct line to your Dedicated Adviser. No hold music.

Low Online Cost

Our Online Costs deliver a premium service without usual high costs.

Strategic Alliances With Only Top Providers

How do I transfer my Aegon pension?
How do I transfer my Clerical Medical pension?
Momentum International SIPP
How do I transfer my Hargreaves Lansdown pension?
How do I transfer my Fidelity pension?
Trasfer my STM QROP
Transfer my Transact pension
How do I transfer my Phoenix Group pension?
Transferring my Scottish Widows pension abroad
Sovereign QROP costs
How to transfer my Mercer pension?
Accessing my Prudential pension

Top 150 Questions - Asked By Expats!

Our FAQ section includes the questions asked by our existing Expat clients. If you don't see your question - Ask us and we'll answer it.

The average time for a pension transfer is 3-4 weeks. Depending upon the type of pension with DB transfers taking longer and DC transfers shorter. In our experience, exemplary paperwork and streamlined communication are keys to faster transfers. Errors lead to longer transfer times. International SIPP transfers are generally quicker, while QROP transfers take longer.

Absolutely not. There are no nasty lock-in periods with CJ. If you are ever unhappy with our level of service you are free to leave without cost. This keeps us on our toes to continue delivering our high quality of service.

Nobody likes surprises. At CJ our clients know exactly how much their financial advice will cost before they proceed. We have initial advice and set-up fee of 1-3% depending on the size of your investment and an ongoing annual management charge of 1% – Our Costs.

Your policy will pass directly to your named beneficiaries which you state in your application process. So you have peace of mind that your loved ones will automatically receive your assets. No messing around.

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