When it comes to regulated and qualified financial planning advice – Costs are necessary.
Cost plays a vital role in protecting your interests. Below is a more detailed breakdown for those who like the nuts and bolts.
Free Initial Consultation
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.
All Follow-Up Appointments
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.
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.
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.
Advice Report in Black & White
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.
Direct line to your DedicatedAdviser. No hold music.
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.
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.
Global DHL Courier Costs
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.
Clear Cost Section
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.
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.
Weekly or Bi-Weekly Update
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.
Pension Transfer Cases
UK Pension Analysis
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.
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.
All Provider Communication
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.
Keeping Them On Their Toes
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!
Quarterly Review Meeting
Every 3-months you have an appointment your Adviser to keep you updated on portfolio performance. It is also a chance for you to relay any changes to your situation. For example, a new job, moving country or a new family member. This allows your Adviser to ensure your finances stay up to date with your situation and goals.
Your portfolio will be rebalanced on an ongoing basis to maximise growth opportunities. You may enjoy discussing this in detail with your Adviser each quarter. Similarly, you may find finance slightly boring and prefer a broad overview. Everyone is different.
Ongoing Market Comparison
Industries change. We keep an eye open on all provider options and advise our clients if there are ever any new lower-cost solutions available.
All future forms (Top-Ups, Withdrawals, Address Change etc) are pre-completed by your Admin and sent to you via email. You simply review the information and return the form signed. This saves our clients time to get on with their life.
The Boring Stuff
Our Regulation (EU MiFID II)
Cameron James holds the highest form of regulatory approval in Europe. We won’t bore you here but it means our Financial Advice and business practices are evaluated at the highest level. This provides you with peace of mind. Knowing that we adhere to some of the strictest and most closely vetted regulation in the EU.
While all Advisers at Cameron James are UK RDR Level 4 qualified as a minimum, we ensure Advisers adhere to Continuous Professional Development (CPD) to provide our clients with the most up to date advice at all times.
Professional Indemnity Insurance
All Advisory firms must pay premiums, which protect you as the customer were you to ever have a complaint. We are proud to say Cameron James has never had a client complaint and we work hard to keep it this way.
Our Website & Business Expenses
It is not by chance that you stumbled across our website. Every page, article, section has been optimised for SEO to ensure you could easily find our website. We work tirelessly on this and employ numerous staff and companies to ensure we keep on top of this for you.
Expenses covers everything else from paper clips to headsets. Everything our staff need to ensure your journey with us is smooth and the quality of our service better than our competitors.
Benefits Of Working With Cameron James
Approved by Expats
Used & Approved by Expats in 23 countries across 6 continents.
Our advice is EU MiFID regulated. All Advisers are UK RDR Qualified.
Clients know how much their advice will cost in advance. No extras.
Low Online Cost
Our Online Costs deliver a
premium service without usual
Direct line to your DedicatedAdviser. No hold music.
Our Advisers see thousands of Expat situations. We know your needs.
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.
Epilepsy Safe Mode
Dampens color and removes blinks
This mode enables people with epilepsy to use the website safely by eliminating the risk of seizures that result from flashing or blinking animations and risky color combinations.
Visually Impaired Mode
Improves website's visuals
This mode adjusts the website for the convenience of users with visual impairments such as Degrading Eyesight, Tunnel Vision, Cataract, Glaucoma, and others.
Cognitive Disability Mode
Helps to focus on specific content
This mode provides different assistive options to help users with cognitive impairments such as Dyslexia, Autism, CVA, and others, to focus on the essential elements of the website more easily.
ADHD Friendly Mode
Reduces distractions and improve focus
This mode helps users with ADHD and Neurodevelopmental disorders to read, browse, and focus on the main website elements more easily while significantly reducing distractions.
Allows using the site with your screen-reader
This mode configures the website to be compatible with screen-readers such as JAWS, NVDA, VoiceOver, and TalkBack. A screen-reader is software for blind users that is installed on a computer and smartphone, and websites must be compatible with it.
Visually Pleasing Experience
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July 30, 2021
We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience,
regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level.
These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible
to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific
disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML,
adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email
Screen-reader and keyboard navigation
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with
screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive
a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements,
alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website.
In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels;
descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups),
and others. Additionally, the background process scans all of the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag
for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology.
To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on
as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
Disability profiles supported in our website
Epilepsy Safe Mode: this profile enables people with epilepsy to use the website safely by eliminating the risk of seizures that result from flashing or blinking animations and risky color combinations.
Visually Impaired Mode: this mode adjusts the website for the convenience of users with visual impairments such as Degrading Eyesight, Tunnel Vision, Cataract, Glaucoma, and others.
Cognitive Disability Mode: this mode provides different assistive options to help users with cognitive impairments such as Dyslexia, Autism, CVA, and others, to focus on the essential elements of the website more easily.
ADHD Friendly Mode: this mode helps users with ADHD and Neurodevelopmental disorders to read, browse, and focus on the main website elements more easily while significantly reducing distractions.
Blindness Mode: this mode configures the website to be compatible with screen-readers such as JAWS, NVDA, VoiceOver, and TalkBack. A screen-reader is software for blind users that is installed on a computer and smartphone, and websites must be compatible with it.
Keyboard Navigation Profile (Motor-Impaired): this profile enables motor-impaired persons to operate the website using the keyboard Tab, Shift+Tab, and the Enter keys. Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
Additional UI, design, and readability adjustments
Font adjustments – users, can increase and decrease its size, change its family (type), adjust the spacing, alignment, line height, and more.
Color adjustments – users can select various color contrast profiles such as light, dark, inverted, and monochrome. Additionally, users can swap color schemes of titles, texts, and backgrounds, with over 7 different coloring options.
Animations – epileptic users can stop all running animations with the click of a button. Animations controlled by the interface include videos, GIFs, and CSS flashing transitions.
Content highlighting – users can choose to emphasize important elements such as links and titles. They can also choose to highlight focused or hovered elements only.
Audio muting – users with hearing devices may experience headaches or other issues due to automatic audio playing. This option lets users mute the entire website instantly.
Cognitive disorders – we utilize a search engine that is linked to Wikipedia and Wiktionary, allowing people with cognitive disorders to decipher meanings of phrases, initials, slang, and others.
Additional functions – we provide users the option to change cursor color and size, use a printing mode, enable a virtual keyboard, and many other functions.
Browser and assistive technology compatibility
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers), both for Windows and for MAC users.
Notes, comments, and feedback
Despite our very best efforts to allow anybody to adjust the website to their needs, there may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to