Independent financial planner · Based in the South West, working UK‑wide
Better financial future, today.
I help you work out what you can afford to enjoy now, while planning for later at the same time.
I’m Jack Basford, an independent financial planner based in the South West, working with families and business owners across the UK.
- Free first meeting
- No minimum to invest
- Fixed planning fees
- Independent advice
Hello, I’m Jack
Jack Basford Dip PFS
I’m a husband, a dad and a financial planner. I love my job and I take it seriously, because my goal is simple: to help people.
After a great career with some of the UK’s biggest advice firms, I founded InTime to do things my own way, built on the belief that life is for living.
Away from work, I’m outnumbered at home by three boys and two dachshunds. When I get a minute to myself, it’s football, a round of golf or a bit of gaming.
What clients say
Jack was great - insightful, communicative and helpful. He took the time to understand us as people, as well as our objectives.
He has helped us negotiate the financial minefield and saved us money on taxes over the long term.
Has saved me a significant amount of money and all in a way that I could understand!!!
How much is enough?
Most of us save what we can for later without knowing what we really need.
So I start with your life, not your money: what you want now, and what you want later. Then I work out how to pay for both. Sometimes that means investing. Sometimes it means you don’t need to.
Most people start with “how much is enough?” I help with questions like these too.
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How much can I spend and still be OK?
Holidays, time off, the things you keep putting off.
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How much can I give my family?
University or a first home, without leaving yourself short.
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What should I do with spare company cash?
And the best way to take money out of the business.
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When could I stop working?
And how long your money needs to last.
How it works
Four simple steps, at your pace.
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First meeting
45 minutes, in person or online. Free, with no obligation.
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Your plan
I review what you have and build a plan around the parts you choose.
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Putting it in place
If you go ahead, I handle the paperwork and set everything up.
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Updates
Your plan keeps pace as life changes, as often as suits you.
Is this right for you?
I’ll always do my best to help, whoever you are. And if I’m not the right fit, I’ll say so and point you to someone who is.
Here’s where I’m at my best.
We’ll get on well if
- You want a proper plan, not just a product.
- You’re nearing retirement, or run a business with spare cash.
- You’ve built up pensions and savings and want a clear picture.
I’m probably not for you if
- You want blue suits, gold ties and to be put into an investment box.
- You only want a single product.
- You need a final salary pension transfer, a mortgage or equity release. I’ll point you to a specialist.
What it costs
A few quick questions for an accurate estimate of what you’d pay. You only pay for the parts you need, and every fee is agreed in writing before any work starts.
See all my fees
- Your plan, upfront
- Reviewing your existing pensions, ISAs or investments
- £500up to 3, then £200 each
- Tax assessment
- £250
- Cashflow forecasts
- £1,000
- Research and due diligence, if investing
- £250
- New protection policy
- £500 each
- Plan updates
- Forecasts refreshed
- £750each update
- Tax review
- £250each update
- Investments
- Setting up
- 0.70%on £1m, 0.35% on the rest
- Looking after them
- 0.70% a yearon £1m, 0.35% on the rest
- Complex investments
- +0.30%
- Investing monthly
- 0.70%of each payment
Questions people ask
How much does it cost?
It depends on what you need. A full plan is £2,000, and you only pay for the parts you need. If I look after your investments, it’s 0.70% a year on the first £1m. Every fee is agreed in writing first. Work out your fees
Is the first meeting really free?
Yes. It’s free, lasts 45 minutes and can be in person or online. No jargon, no pressure, no obligation.
Is there a minimum I need to invest?
No. Planning and investments are separate, so you can have just the plan. You might not need to invest at all.
Will you want me to invest my cash?
Only if your plan shows you need to. Sometimes it shows you don’t.
Are you an independent financial adviser?
Yes, I give independent advice from across the whole market. I call myself a financial planner because the plan comes first, and any advice follows from it.
Who are ValidPath?
ValidPath is the firm that authorises me with the Financial Conduct Authority. They oversee compliance and check the quality of my advice, but they don’t choose products or influence what I recommend. My advice stays independent and whole-of-market.
Do you only work with people in the South West?
No. I’m based in Lifton, Devon, and work with families and business owners across the UK, in person or online.
Is there anything you don’t help with?
I don’t advise on final salary pension transfers, mortgages or equity release. If you need one of these, I’ll point you to a specialist.
Can I stop working with you?
Yes, at any time, with 10 working days’ notice in writing.
Book a free first meeting
Pick a time that suits you. No jargon, no pressure, no obligation.
Choose a timeRather write or call? Send a message and I’ll come back to you within two working days.