White text on a light grey background reads JB Wealth Management Ltd. The text is faint and difficult to read due to low contrast.

How we work

JB Wealth Management follow a carefully designed financial planning process so that you know exactly what is happening at every stage.

With you every step of the way

A five-step financial planning process diagram: Step 1 Engagement (blue), Step 2 Discovery (pink), Step 3 Research & Analysis (orange, with options circling in the centre), Step 4 Recommendations (green), Step 5 Implementation (grey).
Step 1 – Initial Work

Engagement

An introductory meeting to fully explain our services.

  • Assisting you to identify your objectives and priorities
  • Explaining how we work with our clients and the costs involved, and enabling you to ask questions regarding the services available to you
Step 2 – Initial Work

Discovery

We start to fully understand your objectives.

  • Providing us with an understanding of your personal circumstances and requirements
  • Assessing your investment risk profile and capacity for loss, agreeing next steps
Step 3 – Second Meeting

Research & Analysis

Summarising and prioritising your objectives as required.

Step 4 – Second Meeting

Present Recommendations

  • Discussing a financial planning strategy
  • Explaining the full rationale for the recommended strategy.
  • Helping you reach an informed decision on how best to proceed.
  • Confirmation of strategy
Step 5 – Ongoing work

Implementation of Strategy

  • Explaining strategy
  • Provide all necessary application requirements
  • Assist with completion of paperwork
  • Submission and tracking of applications
  • Liaison with Professional Advisers as required.
Step 6 – Ongoing Service

Ongoing service & Relationship

Regular Reviews at agreed frequency to cover:

  • Personal Circumstances Update (including state of health, salary, bonus update) Goals, Needs, Outcomes & Aspirations
  • Attitude to Risk (Any changes) Protection Review (Reviewing existing cover and shortfalls — death, ill health, medical costs, mortgage/loan protection etc.)
  • Estate Planning (Ensuring your estate planning wishes are current — Wills, LPA, Death Benefit Nominations)
  • Pension Planning (To include reviewing changes and opportunities created by changes to pension law e.g.
    • Pension Annual Allowance,
    • Child Benefit traps,
    • Higher rate tax, personal allowance)
    • Retirement options,
    • Aspirations,
    • Plans,
    • Cash Flow Modelling,
    • Discussion Document
  • Investment Review (Looking back on last 12 months performance)
  • Investment Planning (Looking forward & implementing any changes to Investment Strategy)
A circular flowchart detailing a financial planning process with eight steps, starting at Review Objectives and ending at Ongoing Service & Relationship, represented by connected teal circles and descriptive text.

Access to Adviser

Available for contact between reviews

Other Benefits

  • Regular Valuations on request
  • Priority response to your e-mail queries
  • Regular Newsletter including legislative and budget updates
Our Working Relationship

Our relationship & how we get remunerated

We take pride in our fees being transparent as we will agree actual amounts on a case by case basis dependent upon the amount of work involved. We will of course provide you with a full explanation of our fees prior to any work being carried out.

Generally speaking

The meeting and basic information gathering will be at our expense to allow us to find out exactly what you want and provide a guide to our charges.

Please ask for a copy of our tariff of charges that details the full range of services available and will show examples of associated costs. VAT may be payable for some of our services, depending on the nature and level of service you require. We look forward to working with you to help you build a secure and prosperous future.

  • Regular Valuations on request
  • Priority response to your e-mail queries
  • Regular Newsletter including legislative and budget updates

Personal Advice Services

Financial Advice for Sportspeople

Earn it, invest it, protect it—make your short-term peak earnings fund a lifetime.

Investment Management

JB Wealth Management helps clients access top discretionary fund managers to create and actively manage diversified investment portfolios tailored to their objectives and risk preferences, ensuring expert oversight and adaptability in changing markets.

Investment

JB Wealth Management provides expert guidance to help clients select investment funds tailored to their goals, risk tolerance, and personal circumstances, including tax-efficient strategies for growth, income, and future financial planning.

Pensions & Retirement

We help clients plan for a secure retirement by providing guidance on pensions and tax-efficient strategies to maximise income and lump sums in later life.

Personal & Stakeholder Pensions

We provide expert advice on personal and stakeholder pensions, helping clients maximise contributions, investment growth, and flexible retirement options while navigating regulatory changes.

Protection & Life Insurance

We advise clients on protection and life insurance products, helping them choose suitable coverage to safeguard against serious illness, death, or other financial risks while ensuring the best available market options.

Inheritance Tax Planning

JB Wealth Management Ltd provides expert advice on personal and stakeholder pensions, helping clients maximise contributions, investment growth, and flexible retirement options while navigating regulatory changes.

Business Advice Services

Death in Service

Death in Service benefit provides employees’ beneficiaries with a tax-free lump sum if they die while employed, and JB Wealth Management helps employers design and implement cost-effective schemes tailored to their needs.

Health Insurance

Private medical cover gives employees valuable, cost-effective healthcare access through competitive group rates, and JB Wealth Management researches, implements and administers the most suitable scheme while supporting communication, applications and ongoing management for employers.

Group Pensions

JB Wealth Management delivers end-to-end support for group personal pension schemes, helping employers choose, implement and administer compliant, efficient plans that enhance employees’ understanding and engagement with their pensions.

Protecting your Business

Business protection solutions offer flexible cover for key people, shareholders, loans and employees, helping safeguard business continuity while providing valued health-focused benefits, with JB Wealth Management advising on the most suitable options.

Workplace Benefits – Income Replacements

Income replacement provides long-term financial protection for employees unable to work due to illness, reducing the burden on employers, and JB Wealth Management supports businesses in selecting and arranging suitable policies.

Workplace Pensions

Workplace pensions now require all UK employers to automatically enrol eligible staff and contribute to their pensions, and JB Wealth Management offers guidance to help businesses meet these legal duties.

We…

Will be open, honest and transparent with you at all times and believe that honesty is the best policy

Will act with integrity in everything that we do (our reputation depends on it)

Believe that you have every right to expect value for money from us

Believe in delivering on our promises to you and ensuring that we do what we say we will do

We are committed to working with you to help