James Caviel

I have actually been listed as a one of the top Rated IFAs in the UK on Vouched For for over a decade, having joined Vouched For in 2013, in 2019 Vouched For changed their Top Rated qualification rules. I continue to meet their benchmark and continue to appear in the annual Top Rated survey. First becoming an adviser in 1990 I have accumulated 35 years of experience as a Financial Adviser, which includes 10 years as an adviser in the City, a further 5 years as a Shareholding Director of a large regional firm, and 11 years running my own practice before the business was acquired by Hoyl in March 2020, I now run the High Net Worth proposition for Hoyl with a focus on generational wealth protection I now assist several generations of a family where we originally started out advising just the one generation. Over the years I have dealt with a multitude of client scenarios; hardships and good fortune, setbacks and promotions, birth, marriage, illness and death. All these challenges have provided me with valuable insight, first-hand experience to offer a range of potential solutions, an ability to offer wise counsel and empathy when helping my clients overcome or take advantage of the threats and opportunities. This year, I have once again been recognised as one of the Top Rated IFAs in the UK, based on verified client reviews collected by VouchedFor, the UK’s leading independent reviews service. Hoyl Independent Advisers Ltd prides itself on the quality of its service standards, client care, fee transparency, and most importantly the financial guidance I provide. All advice is subject to peer review to ensure the best solutions and advice are provided. However I would be nothing without my wonderful support team of administrative staff, all of whom are very experienced, personable and have an excellent knowledge base to be able to assist and are highly regarded both within the Hoyl Group and my client bank alike. I welcome and encourage all my clients and customers to provide feedback and with 200+ reviews on VouchedFor, I am proud of and delighted with the information left, because I have encouraged everyone to respond. This includes testimonials from clients where I made an error. Clearly, I have put it right and I am pleased the clients concerned took the time to leave feedback on their experience. I've always felt that the true measure of reputation and service is how you deal with mistakes. We strive to help our clients navigate the financial seas in the most cost-effective, tax-efficient, and transparent manner possible, placing their money where it can work the hardest. We cater to a wide range of client requirements; in particular, we have a proven track record of excellence in Investments, Pensions, Tax & Trusts. Additionally as part of a firm of National IFA's I have colleagues who are highly experienced in other areas of Financial Planning such as Mortgages, Corporation Tax Planning, Equity Release, or Long Term Care planning. This ensures any advice given still dovetails with your overall Personal Financial Objectives & Plan's and secures a similarly high level of client care, technical delivery, and fee transparency can be provided in areas in which I have less expertise.