James Black

Financial Adviser

FCA reference number: JRB01358

I’m a highly qualified adviser supporting clients across the South West and Central regions with personalised, strategic financial advice. With a calm and analytical approach, I help individuals and families navigate complex decisions- ranging from retirement planning to inheritance tax- with clarity and confidence.

I focus on understanding each client’s unique goals to deliver clear, tailored advice that supports long-term financial security. Whether planning for the future or managing pension transfers, I aim to simplify complex topics and provide practical guidance you can trust.

Approach and experience

I have been part of Hargreaves Lansdown since 2011, starting my career on the Investment Helpdesk before moving into advisory services. This hands-on investment experience, combined with years of financial planning expertise, gives me a well-rounded and practical perspective when helping clients make informed decisions.

I work with a wide range of clients, including business owners, pre-retirees, and families planning for the future. I am particularly skilled in managing the more complex areas of planning - such as pension transfers, retirement structuring, and inheritance tax mitigation - ensuring my clients receive advice that is not only technically robust but clearly explained and tailored to their priorities.

As a Fellow of the Personal Finance Society and a Chartered Financial Planner, I bring a high level of professional recognition and commitment to my work. My clients value my thoughtful, methodical approach and the trust we build over the long term.