Business Details
23 Years
experience
Trusted Financial Advisers in Waterlooville
Established in 2003, John Cummings Wealth Management has built a reputation for delivering expert financial guidance to clients across southern England. Our practice focuses on comprehensive wealth management, specialising in tax planning, capital investment strategies, and wealth protection for business owners and high net worth individuals. With a client-centric approach developed over two decades, we prioritise long-term relationships and tailored solutions. Our team combines extensive industry experience with the resources of St. James's Place Wealth Management, ensuring access to market-leading expertise and products.We maintain rigorous professional standards through our authorisation and regulation by the Financial Conduct Authority, providing clients with confidence in our services. Our commitment to excellence has been recognised through our association with St. James's Place, a respected name in wealth management. We continually refine our methodologies to address evolving financial landscapes, ensuring our clients' assets are strategically positioned for growth and security.
Services
Investment Management
Tax Planning
Wealth Protection
Retirement Planning
Corporate Services
Mortgage Advice
Intergenerational Wealth
Protection Planning
Details
- Year established: 2003
Highlights and features
- We offer over 20 years of experience in financial planning and wealth management
- Our team specialises in tax-efficient capital investment strategies
- We maintain FCA regulation through our partnership with St. James's Place
- We build long-term, personalised relationships with all clients
- Our approach combines local expertise with national resources
Services
Investment Management
Our investment management service creates tailored portfolios aligned with individual risk profiles and financial objectives. We combine market expertise with ongoing monitoring to optimise returns while maintaining appropriate risk levels. Clients benefit from access to St. James's Place's extensive research resources and exclusive investment opportunities.
Tax Planning
Specialist tax planning strategies help clients legally minimise liabilities across income, capital gains, and inheritance taxes. We focus on long-term tax-efficient structures while ensuring compliance with HMRC regulations. Our approach integrates with overall wealth management strategies to maximise after-tax returns.
Wealth Protection
Wealth protection services safeguard assets against potential risks through appropriate insurance and legal structures. Our strategies address business succession, family provision, and contingency planning. We work closely with legal professionals to implement robust protection frameworks tailored to individual circumstances.
Retirement Planning
Comprehensive retirement planning ensures clients achieve their desired lifestyle post-retirement. We assess current provisions, identify gaps, and implement tax-efficient solutions including pension consolidation and income drawdown strategies. Regular reviews ensure plans remain aligned with changing circumstances.
Corporate Services
Tailored corporate financial services address business owners' unique needs, including company pension schemes, executive benefits, and succession planning. We help business leaders optimise their personal and corporate financial structures while preparing for future transitions and wealth transfer.
People
John Cummings
Founder
With over 20 years' experience in financial services, John established the practice in 2003 through St. James's Place. He specialises in tax-efficient investment strategies and wealth preservation for business owners.
Questions
What financial services do you specialise in?
We specialise in investment management, tax planning, wealth protection, retirement planning, and corporate financial services for business owners and high net worth individuals.
How do you work with clients?
We build long-term relationships through personalised service, creating tailored strategies that evolve with clients' changing needs and market conditions.
Which areas do you cover?
While based in Waterlooville, we serve clients across southern England, with particular expertise in local business environments.
What experience do you have?
Our practice has operated since 2003, combining St. James's Place's national resources with our team's extensive local expertise in wealth management.
How are you regulated?
We operate as an Appointed Representative of St. James's Place Wealth Management, which is authorised and regulated by the Financial Conduct Authority.
Reviews (5)
Nigel Smith
May 23, 2022
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Chris and his ever expanding team have been looking after my financial affairs for over 10 years now and his advise has always been acted upon and in the long term proved to be right, I would not hesitate to recommend de Mellow & Co
Jacqueline Hooton
May 22, 2022
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I feel confident in the financial advice and information I have received. It is reassuring to know my pension is in safe hands and would highly recommend the experienced team at de Mellow & Co Wealth Management, and Financial Planner Gabriel Hooton
Don Blaylock
May 22, 2022
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I have been with this group for many years. I am impressed by their attention to detail, and to their focus on the individual. While I have never been a 'Big account' I have always been treated with time, care and dignity and feel my best interests have always been at the heart of any discussion.
Chris Hooton
May 19, 2022
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Gabriel is very thorough and informative. A number of issues raised have already proved invaluable and has gave a real insight into how we both manage and invest our funds.
Carol Mills
May 14, 2022
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My husband and I have invested with all sorts of companies over the years trying to make our money work for us. We are getting older and what we now wanted was to gather all of these sums of money into one place and Gabriel has been an absolute Godsend helping us to achieve that. He has kept us up to date every step of the way. We certainly couldn't have done it by ourselves. Now all our money is with de Mellow and we really couldn't be more pleased.
