James Todd

James has worked in the Financial Services industry since 1996, starting his career as a mortgage administrator for a large estate agency business. Learning the ropes, James quickly progressed to become a mortgage adviser, before qualifying as a Financial Adviser in 2001 with the Halifax Bank.

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About

Having worked within the Money Options Group for the past 10 years, James was appointed as Operations Director in December 2015 with his role overseeing RetireInvest and Mortgage Options, both companies owned within the group. As well as running the group businesses, James resumed his role as a Financial Adviser within RetireInvest and holds the qualifications of DipPFS, CeMAP and focuses his expertise in the areas of pensions, investments, and personal and corporate protection.

Reviews and Ratings for Financial adviser James Todd, Harrogate

Latest Articles

Stay informed with our latest insights and expert commentary on key financial topics. Our regularly updated articles cover everything from market trends to personal finance tips, helping you stay ahead with the knowledge you need.

Economy

Spring Statement 2025

The Chancellor Rachel Reeves has cut the welfare budget further and boosted defence spending in a Spring Statement aimed at kick-starting the faltering economy. Meanwhile, the OBR - the government's financial watchdog - halved its growth forecast for this year to 1%.

General Financial

Financial advice reduces vulnerability in investors

A study of over 5,000 investors found those who sought financial advice were four times less likely to be financially vulnerable. Advised clients showed stronger resilience, with high confidence in handling financial difficulties, despite facing similar life difficulties as others.

Home and Property

Significant gains for UK homeowners over two decades

Over the past 20 years, UK properties have increased in value by an average of £80,000. High-demand areas like the Cotswolds and South East saw the most significant gains, driven by location, infrastructure, and lifestyle changes, highlighting market resilience

Retirement Planning

IHT recap – get up to speed on gifting allowances

IHT receipts rose to £4.3bn between April - September 2024. Use gifting allowances like the £3,000 annual exemption, wedding gifts, and small gifts to reduce estate value. Regular gifts from surplus income can also be exempt, but documentation is essential

Protection

Safety net for non-salaried employees

Two in three non-salaried employees lack life insurance, causing concerns about funeral costs and financial burdens. A quarter of this demographic cannot afford life cover. Affordable insurance can provide crucial peace of mind for non-salaried workers and their families

Mortgages

Do FTBs know the support available to them?

Many FTBs lack awareness of affordable schemes like Shared Ownership, despite its benefits. Shared Ownership offers lower deposits by allowing buyers to purchase property shares. To afford homes, many young Londoners work more and rely on financial support from parents

Business

Commercial Property Market Review

Central London saw twice as many businesses expand than downsize last year, with one-third of lettings driven by new market entrants. Edinburgh remains one of the UK’s most attractive hotel markets, thanks to premium pricing, constrained development supply and consistent performance. Meanwhile, US investors have continued to show strong appetite for UK commercial real estate, acquiring nearly £50bn in assets since 2021.

Home and Property

Residential Property Market Review

Recent data reveals that 64% of homeowners underestimate their property’s value, highlighting a gap in market awareness. Meanwhile, demand in prime London neighbourhoods dipped nearly 4% in Q1 2025, reflecting a softer start to the year. Net mortgage lending also declined to £3.3bn in February, down £0.9bn from January, indicating a cautious lending environment amid shifting market conditions.

Guides

Want more information? Please read one of our latest guides for all the best tips and tricks.

Retirement Planning

Introduction to pensions

Pensions are typically viewed as being complex and difficult to understand. As a result, people often delay starting one or ignore the issue altogether.

Inheritance Tax

Introduction to Inheritance Tax

Inheritance Tax (IHT) has come under the spotlight over the past few years, due largely to the continued rise in house prices. These days, you don’t have to be hugely wealthy to be affected by IHT.

Retirement Planning

Introduction to Retirement Planning

Retirement planning involves visualising your key goals for your retirement years and setting up a plan to help you achieve those goals through financial planning.

James Todd

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