SERVICES 

The services listed below form part of our holistic finanial planning approach.

Retirement Planning 

Put simply, we can assist you in understanding how much you have, how much you need, what your goals are and whether there is a shortfall or surplus. We can then on an ongoing basis assist you in reaching financial independence throughout your retirement. 

Investment Planning 

Investing can help to protect against the negative effects inflation has on the purchasing power of your money. We can assist you with investing using proven frameworks and ongoing research and monitoring. We match solutions to your risk level, timeframe and needs.                                  

Estate Planning & Leaving a Legacy

Families and business owners can benefit from generational planning, ensuring that their legacy and businesses are left to younger generations to ensure lifestyles and family wealth can be maintained. 

We also offer Wills, Trusts and Lasting Powers of Attorney through our trusted partner Clare at South West Wills and Estate Planning.

Protection Planning

Having the correct protection in place creates a safety net for wealth and income. You can insure against the risk of death, ill health and long term sickness and the adverse financial effects these can have on financial well-being. 

Tax Planning 

We help to utilise all of your available tax allowances. We analyse income from earnings, dividends, interest, rental properties and drawings from pensions and bonds to establish efficient ways of drawing from these sources to meet your expenditure needs. 

Cashflow Modelling 

Cashflow modelling uses advanced software to enable you to visualise your financial future. The forecasts include factors such as, income, expenditure, assets, liabilities, growth rates, inflation rates, potential windfalls and expenditure, as well as lifestyle changes such as the children growing up or potential downsizing. 

Financial Education & Guidance

Services provided by Valerie's Financial Services Ltd

True financial peace of mind starts with clarity, not just products. Our educational services are designed to help you understand your current position, build financial confidence, and map out your personal growth journey.

We provide structured, non-regulated support across several core areas:

  • Financial Literacy & Coaching: Mastering cash flow, understanding financial concepts, and aligning your money with your personal goals.
  • Strategic Budgeting: Developing actionable spending and saving blueprints tailored to your lifestyle or business.
  • Retirement & Estate Frameworks: Evaluating your general options and mapping out long-term wealth goals before moving into formal product placement.
  • Local Professional Introductions: Connecting you directly with verified local specialists for needs outside our scope, such as linking you with trusted, whole-of-market mortgage brokers if you are facing high interest rates. (Please note: We act as a standard introducer and may receive a documented referral fee for these connections) 

Valerie’s Financial Services Ltd provides educational and non-regulated financial planning support. We do not provide regulated financial advice or arrange financial products.

 

Regulated Advice & Products 

Services provided by James Quartly as a Representative of 
Griffin Benedict Limited 

When your financial roadmap requires specific product recommendations, formal reviews, or investment implementation, your journey transitions smoothly into a fully regulated advisory framework.

Through Griffin Benedict Limited (FCA Firm Reference Number: 436189), James provides comprehensive, regulated advice tailored to secure your family's future:

  • Pensions & Retirement Planning: Reviewing existing pension pots, analyzing consolidation options, and building sustainable retirement income streams.
  • Investment Management: Constructing risk-managed portfolios designed to grow and preserve your wealth over time.
  • Inheritance Tax Mitigation: Structuring your estate so your loved ones inherit what you intended, protecting family assets from unnecessary tax burdens.

Regulated financial advice and product distribution are provided strictly under the regulatory protections of the Financial Conduct Authority via Griffin Benedict Limited

 

 

©Valerie's Financial Services Ltd 2025

James Quartly trades through Valerie's Financial Services Ltd. 

James Quartly is a representative of Griffin Benedict Limited which is authorised and regulated by the Financial Conduct Authority. Firm Reference Number is 436189. 

Regulated financial advice is provided by James Quartly in his capacity as a Representative of Griffin Benedict Limited. 

Valerie’s Financial Services Ltd is owned by James Quartly and is not authorised or regulated by the Financial Conduct Authority. Valerie’s Financial Services Ltd provides educational and non-regulated financial planning support. It does not provide regulated financial advice or arrange financial products. Valerie's provides "educational financial services". ​Valerie's educational financial services, which, according to the FCA Handbook PERG 8.26.2 and Section 22 of the Financial Services and Markets Act 2000, do not require regulation unless presented in the context of product distribution. These educational financial services fall under the jurisdiction of general consumer laws in the UK, including the Consumer Protection from Unfair Trading Regulations 2008 and the Consumer Protection (Amendment) Regulations 2014. We are overseen by the Competition and Markets Authority. Clients of Valerie's are protected by consumer protection regulations.

Valerie's Financial Services Ltd

Registered in England and Wales No. 16930304

Registered Office: Office 5, Tregath Business Park, Camelford, Cornwall, PL32 9TX

 

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