How it works

Working with us

What you can expect

Great financial planning starts with a great relationship. We have designed our process to be clear, collaborative, and free from pressure, so we can focus on getting to know one another. From our first conversation to regular reviews, we take time to listen, plan, and help you make confident decisions about your financial future.

Our process explained

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Step 1

Initial call

Our first conversation is a chance for us to understand your circumstances, answer any questions you may have, and see if we are the right fit for each other. This comes at no cost, and you are under no pressure to work with us.

Step 2

Building your plan

If we do decide to work together, the next step is digging deep into you, your goals, your assets, and your lifestyle. Through a mix of fact-finding and forward planning, we paint a clear picture of your finances and how they can support your future.

Step 3

Presenting your plan

We will share our recommendations in a way that is simple and clear, showing you how each element supports your goals. At this stage, you will receive a suitability report and the chance to ask more questions before deciding how you would like to move forward.

Step 4

Implementation

Once you are happy with everything we have discussed, we will put your agreed plan into action. We handle investments, pensions, or broader financial strategies, so you can finally see your finances working towards what matters most to you.

Step 5

Ongoing review

Things change, and we make sure your plan evolves with you. We meet regularly to review progress, adjust accordingly, and make sure your finances continue to give you confidence for whatever comes next. And we will always be a call away if you have any questions.

Financial planning explained

Many planners will simply stick to the numbers when giving financial advice. We like to do things differently. We understand that financial advice is a means to an exciting end for our clients, and we give as much care to that end as we do to the means.

We get to know you, your life, and your aspirations before advising on how your money can help you achieve them. By clearly visualising your plan, we bring your finances to life so you can see how they support your future plans.

Understanding our fees

Our number one priority is getting to know you and your plans for the future, and giving the best possible advice to help you realise them. We believe in trust and transparency, and the first call is always free of charge.

How we charge

Hear from the people we have helped

We treat our clients as people, not portfolios. We are just as excited about their futures as they are, and it shows.

    
 
 
      Posted on Google  
   
   barry feltham 
 63 days ago
 
 
 Trustindex verifies that the original source of the review is Google. i have been dealing with tom harvey of j edward sellars for my pensions investestments.tom is very easy and relaxed too deal with. i think i have had excellent advice and my interest growth has been better than expected.all round pleasant experience.i would highly recomend tom harvey.
  
 
     Posted on Google  
   
   Jim Searle 
 96 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Very easy process and professional communication
  
 
     Posted on Google  
   
   Richard J 
 113 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Understanding pensions and long-term retirement planning can feel overwhelming, particularly with the range of options available on the market. If you need expert  advice to help plan your retirement and choose the most suitable product to meet your requirements speak to Joe Chillingworth at J Edward Sellars. Joe is a very professional and friendly financial adviser and has been extremely helpful in assisting me with the consolidation of my pensions. Thank you Joe!
  
 
     Posted on Google  
   
   Lee Weston 
 147 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Joe has been a great help in his advise and guidance in helping me (self employed in my thirties) set up a pension. I was very aware I wanted to plan for my future and retirement with setting up a pension but after lots of research needed additional advise. Joe has been really clear on the various options for me as a self employed person and clarify some of the questions I had from my own research which led me to finding the right option that fitted circumstance. He's been really approachable, with great insight and professional.
  
 
     Posted on Google  
   
   Steve Chinn 
 155 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Always pro-active, reliable, accessible, enabling, positive and helpful
  
 
     Posted on Google  
   
   Jane Winsbrow 
 156 days ago
 
 
 Trustindex verifies that the original source of the review is Google. From our very first conversation. Tom took the time to really understand my goals and explain my options in a clear, jargon-free way. His advice was tailored to my situation, and I felt confident every step of the process. What stood out most was their professionalism combined with a genuinely friendly approach — I never felt rushed or pressured, and all my questions were answered with patience and clarity. Thanks to their guidance, I now have a clear financial plan and peace of mind about my future.
  
 
     Posted on Google  
   
   Philip Lewis 
 192 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Tom Harvey from J Edward Sellars has been incredibly helpful and thorough over the years helping us manage our trust account. I would  definitely recommend his services
  
 
     Posted on Google  
   
   Judith A O'Shea 
 204 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Always helpful without being pushy or overbearing
  
 
     Posted on Google  
   
   Jenny Rowland 
 210 days ago
 
 
 Trustindex verifies that the original source of the review is Google. It is always a pleasure to talk to Jo. He is always willing to discuss any queries I may have and I trust him to look after my humble portfolio. Jenny Rowland
  
 
     Posted on Google  
   
   Ann Farrow 
 226 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Couldn't recommend more highly - very helpful for somebody who isn't great with figures and Jacob takes the time to explain in a way that I will. My investments are doing better than anticipated so all together very pleased! Would definitely recommend.
  
 
     Posted on Google  
   
   Rachel Smith 
 281 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Joe helped me through the baffling world of pensions. Absolutely star and would highly recommend using J Edward Sellars 👌
  
 
     Posted on Google  
   
   anne jones 
 313 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Very professional yet completely understanding of clients' needs, especially those with very little or no financial background, and with only basic experience of finance.  Would highly recommend.
  
 
     Posted on Google  
   
   spike 1968 
 347 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I needed financial help in preparing for retirement during lockdown. I put out a request on line for help and was contacted by JEdward Sellars. They allocated Joe chillingworth to me who has been absolutely superb. I am briefed annually on my pension and asked for any changes to plans that might be due to circumstances or health . Joe has given help and advice where I needed it and has always been on hand for any ad-hoc quesions. I cannot fault the comapny, they have been extrmely helpful and I would have no hesitation in recommending them.
  
 
     Posted on Google  
   
   sian williams 
 372 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I’d never worked with a financial advisor before, so I was a bit nervous. But after my initial phone call with Thomas, I felt instantly at ease. He took the time to understand what I wanted to achieve with my inheritance. Thomas then visited my home to go through everything in detail, followed by an online meeting where we explored my options. He explained each step clearly, ensured I felt informed, and never once pressured me into making a decision. I now feel far more confident about my financial future and know I have someone I can rely on. I feel supported every step of the way, and with yearly reviews planned, I’m reassured that we’ll stay on track together."
  
 
     Posted on Google  
   
   Ryan Ireland 
 386 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Tom and the team have been helping me with my finances for last few years now and they have been very easy to work with. Very clear and transparent advice with great results.
  
 
     Posted on Google  
   
   Sheila O'Brien 
 456 days ago
 
 
 Trustindex verifies that the original source of the review is Google. This team are fantastic listeners ! We have dealt personally with both Tom and Jacob  - they are equally patient with our many questions and very knowledgeable about not only our meagre finances but also the wider impact of UK and world events. Always a pleasure - thank you.
  
 
     Posted on Google  
   
   Rod Bishop 
 456 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We have been with you since 2018 and our investments have kept their head above water through Covid and the Truss financial problem. Cannot leave a review about Tom Harvey as haven't yet meet him following the departure of Andrew Hooper.Our first meeting with Tom is on the 16th June. Rod & Diane Bishop
  
 
     Posted on Google  
   
   les mears 
 457 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I've been very pleased with the advice and guidance given by J Edward Sellers and Joe has been particularly helpful in his advice and help
  
 
     Posted on Google  
   
   Chris King 
 471 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Excellent personal service if and when I need ongoing advise when circumstances change