What Timothy James & Partners does

Timothy James & Partners (TJP) is a London-based independent financial advisory firm founded in December 1995 by Tim Whiting. The firm delivers holistic financial planning to UK-based self-employed business owners, entrepreneurs, and referred individuals, operating exclusively on a referral basis through accountants, solicitors, agents, and existing client networks. Its service offering comprises seven interconnected modules: investment portfolio management, pension and retirement provision, inheritance tax planning, personal and corporate protection, corporate finance, mortgages, and a general financial overview service. All consultants are salaried with no commission-based compensation, structured to remove sales conflicts of interest.

The firm's operational backbone is an 11-step proprietary financial planning methodology and the Personal Finance Portal (PFP), a mobile and web application providing clients with 24/7 consolidated access to portfolio valuations, fund information, and goal progress tracking. TJP employs 51-100 staff across financial consultancy, mortgage, operations, advice delivery, compliance, governance/risk/compliance, commercial, and finance functions, and is regulated by the Financial Conduct Authority (No. 179854). Industry recognition includes FTAdviser Top 100 (2019, 2022), Professional Adviser Best Independent Advisor in London (2021), and Adviser Firm of the Year London (2022, 2024).

Revenue is generated through transparent percentage-based fees on assets under management, discussed individually with clients. In December 2023, TJP was acquired by Söderberg & Partners, a Nordic wealth manager, while retaining its independent advisory operations and FCA authorization. The firm relocated its headquarters to Shell Mex House at Eighty Strand, London in May 2025.

Name

Timothy James & Partners

Legal name

Timothy James & Partners Limited

Website

https://tjpltd.co.uk

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

51–100 employees

Short description

London-based independent financial advisory firm founded in 1995, serving UK self-employed business owners and entrepreneurs exclusively through referrals. Provides holistic financial planning across investments, pensions, inheritance tax, mortgages, and corporate finance under FCA regulation.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Planning–Led RIAs (FSAAACAB)

akta.pro secondary industries

Comprehensive Financial Planning (FSAEAAAA), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

Keywords

• Independent financial advice
• Wealth management services
• Investment portfolio management
• Retirement planning advice
• Inheritance tax planning

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Financial Advisory Fees: Transparent fee structure discussed individually with clients. Consultants receive no bonuses or commissions - only salary. Fees are percentage-based on assets under management and discussed in pounds, shillings and pence.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels9 records

Core offering

Timothy James & Partners is an independent financial advisory firm that delivers holistic financial planning across seven interconnected service areas: General Financial Tidy Up and Overview, Corporate Finance, Investment Portfolio Management, Pension and Retirement Provision, Personal and Corporate Protection, Inheritance Tax Planning, and Mortgages. Advice is delivered through a structured 11-step consultation methodology by FCA-regulated salaried consultants with no commission-based compensation. Clients are supported via a proprietary Personal Finance Portal (PFP) application providing 24/7 consolidated access to their portfolio, valuations and goals.

Product overview

Timothy James & Partners offers a unified suite of independent financial advisory services delivered through bespoke consultation. The core offering consists of seven interconnected service modules: General Financial Tidy Up and Overview, Corporate Finance, Investment Portfolio Management, Pension and Retirement Provision, Personal and Corporate Protection, Inheritance Tax Planning, and Mortgages. These services are designed to work holistically, with financial summaries and values documents used across all service lines to analyze existing plans and provide integrated recommendations. The firm supplements its advisory services with a proprietary Personal Finance Portal (PFP) application that provides clients with 24/7 access to view consolidated financial information. The firm operates as a referral-only business, accepting clients from accountants, lawyers, agents and existing client referrals, specializing in self-employed business owners and entrepreneurs.

Differentiator

Problem solved

Functional benefit

Products and services

• General Financial Tidy Up and Overview Detailed expert overview of a client's current financial situation, including technical analysis of existing policies, investments, savings, mortgages and business finance. Provided as the foundational intake service for new TJP clients seeking holistic financial planning.
• Corporate Finance Tailored commercial financing for businesses, structured on the basis of three years of accounting evidence. Covers overdraft facilities, capital expenditure loans and business loans for self-employed business owners and entrepreneurs.
• Investment Portfolio Management Range of investment propositions structured around an individual client's risk tolerance and volatility tolerance, with savings and investments mirroring personal attitudes toward risk. Provided to self-employed business owners, entrepreneurs and other referred clients with accumulated investable assets.
• Pension and Retirement Provision Financial structuring and consolidation of pension products designed to give clients the option of stopping work in the future. Includes ongoing retirement planning for self-employed and referred clients with complex pension arrangements.
• Personal and Corporate Protection Advice on critical illness and life cover options meeting personal financial demands, plus business impact analysis for the loss of key staff due to serious illness. Provided to individual clients and business owners.
• Inheritance Tax Planning Will reflection, inheritance tax mitigation, oversight of powers of attorney, and trust implementation with annual management, coordinated with clients' legal professionals. Targeted at high-net-worth individuals and business owners with estate planning needs.
• Mortgages Independent mortgage sourcing, application guidance, lender presentation and pitfall navigation, provided by a dedicated in-house mortgage team to individual clients referred into TJP.
• Personal Finance Portal (PFP) Proprietary mobile and web application that gives clients 24/7 access to view all their finances in one place, including fund information, financial portfolio valuations and goal progress tracking, plus direct communication with their adviser. Operates as a digital complement to TJP's face-to-face advisory offering.

Quantifiable outcome

• Won Adviser Firm of the Year London 2022 at PA Awards for second consecutive year
• +1 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Six partnerships are on record, tiered minor.

• Kingston Hospital CharityminorStrategic or Co-development PartnerTimothy James & Partners partnered directly with Kingston Hospital Charity during Van Gogh Alive sponsorship, raising funds for a children's cancer ward. Total of approximately £65,000 raised across all three partnered charities.
• Van Gogh Alive ExhibitionminorStrategic or Co-development PartnerTJP was a sponsor of the Van Gogh Alive immersive exhibition at Kensington Gardens in summer 2021. Hosted 4 VIP client nights with event host Gyles Brandreth. Exhibition attracted 8 million visitors across 75 cities worldwide.
• Wave Wrangler / British Heart FoundationminorStrategic or Co-development PartnerLead sponsors of client Elliot Awin's Wave Wrangler 2023 Atlantic row challenge raising funds for British Heart Foundation. Also sponsors podcast about the journey.
• Great Ormond Street Hospital Children's CharityminorStrategic or Co-development PartnerHeadline sponsor in 2017 for charity run in Richmond Park, helping raise over £25,000. Also supported another 10-mile run in 2018 surpassing £4,000.
• SHOUT 85258minorStrategic or Co-development PartnerFree confidential 24/7 text messaging support service for mental health struggles. Partnered during Van Gogh Alive charity fundraising.
• Global's Make Some NoiseminorStrategic or Co-development PartnerSupporting small charities helping disadvantaged communities across the UK. Partnered during Van Gogh Alive charity fundraising initiative.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• St. James's Place: Large UK wealth manager with a national adviser network offering investment, pension and inheritance tax planning to HNW and mass-affluent clients. Comparable to TJP on service mix (investment management, retirement, IHT) but far larger scale and a partner rather than independent adviser model.
• Rathbones Group: Listed UK wealth manager providing discretionary investment management, financial planning and advice to private clients, charities and trustees. Comparable to TJP on the investment management and financial planning offering for HNW individuals, though Rathbones operates at materially larger AUM scale.
• Brewin Dolphin (now RBC Brewin Dolphin): UK wealth manager offering investment management, financial planning and advice to private clients, charities and intermediaries. Directly comparable to TJP in the UK wealth advisory space, with overlapping services in pensions, IHT and investment management but a much larger adviser footprint.
• Quilter Financial Advisers / Quilter Cheviot: Large UK wealth and advice platform with a national restricted and independent adviser network offering investment, pension and protection advice. Comparable to TJP as a UK IFA competitor and as a destination for clients seeking financial planning; substantially larger AUM and platform scale.
• Evelyn Partners (formerly Tilney): UK wealth manager and professional services group providing financial planning, investment management, tax and accounting services to private clients and entrepreneurs. Directly comparable to TJP on serving business owners with integrated financial planning, IHT, pension and investment management.
• Arbuthnot Latham & Co: UK private bank providing wealth planning, investment management and banking services to HNW individuals, entrepreneurs and families. Comparable to TJP on serving HNW business owners with holistic financial planning, though Arbuthnot also provides banking and is a much larger balance-sheet institution.
• Coutts: Iconic UK private bank offering wealth management, financial planning and investment services to UHNW and HNW clients, including business owners. Comparable to TJP in the HNW financial planning space but at significantly higher AUM thresholds and with a broader banking proposition.
• Söderberg & Partners: Leading Nordic wealth manager established in 2004, which acquired TJP in December 2023. The parent is materially larger than TJP and provides the platform, product breadth and Nordic client reach that TJP can leverage; included as a peer because it is both the parent and a directly adjacent wealth manager in the broader Söderberg group.

Direct peers

• Charles Stanley: UK wealth manager and stockbroker providing discretionary and advisory investment management, financial planning and pension/IHT advice to private clients. Closely comparable to TJP on service scope (investment management, retirement, IHT planning) and on serving HNW individuals, with a similar London-centric heritage.
• Killik & Co: Independent London-based wealth manager offering bespoke investment management and financial planning advice to private clients across the UK. Comparable to TJP in size band, London-centric independent IFA positioning, and HNW self-employed client focus.

Market position

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/tjp_ltd
• LinkedInlinkedin.com/company/timothy-james-&-partners-limited
• Instagraminstagram.com/tjpltd
• Facebookfacebook.com/Timothy-James-Partners-Ltd-104944957752700

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Timothy James & Partners