James Whitmore
Chartered Financial Planner, CFP
Acre Retirement Group · London, UK
James Whitmore is a Chartered Financial Planner, CFP at Acre Retirement Group, serving people approaching and living in retirement in London, UK. The focus goes beyond the portfolio to the whole retirement picture — Social Security and Medicare timing, income, health, purpose, and lifestyle. James helps clients with Retirement Income Distribution, Tax Planning & Strategy, Workplace Pensions, SIPPs and ISAs, State Pension Planning, Final Salary Pension Transfers, Inheritance Tax & Estate Planning, and Retirement Wellness.
James Whitmore is a Chartered Financial Planner who has spent nearly twenty years helping people approach retirement with clarity and confidence. He specialises in the years either side of finishing work — turning workplace pensions, SIPPs and ISAs into a dependable income, weighing drawdown against an annuity, and getting the timing of the State Pension right. James believes good planning starts with listening: understanding what you want these next years to look like before a single number is discussed. Clients describe him as calm, clear, and genuinely on their side.
Specialties
- Retirement Income Distribution
- Tax Planning & Strategy
- Workplace Pensions
- SIPPs and ISAs
- State Pension Planning
- Final Salary Pension Transfers
- Inheritance Tax & Estate Planning
- Retirement Wellness
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Frequently asked questions
What is Grace, exactly?
Grace is a conversational AI guide built for retirement education. You talk with her by voice or text about your retirement, Social Security timing, health coverage, what you want this next chapter to look like, and she helps you organize your thinking and prepare for conversations with James Whitmore. Grace does not give financial, legal, tax, or medical advice.
How does this work?
Conversations with Grace happen in your own private, secure space, not on this public page. Once you are inside, she asks questions and helps you think through where you stand. What you choose to share can become a summary for James Whitmore to review before your next meeting, so your time together starts further along.
Is this a real conversation or a form?
It's a conversation. Grace responds in real time to what you say. There is no fixed script or multiple-choice form. Go as deep or as brief as you like, and revisit any topic as many times as you want.
Will Grace give me financial advice?
No. Grace educates and helps you organize your thinking. She does not provide personalized investment, tax, or legal advice, and she does not recommend specific products, securities, or strategies. Advice specific to your situation comes from James Whitmore, a licensed professional.
What does James Whitmore see?
Only what you choose to share. Before a scheduled meeting, Grace can prepare a summary of what you've discussed so James Whitmore can walk in already informed, but nothing is shared without your knowledge, and you control what goes into that summary.
Is my information private and secure?
Yes. You can use Grace without creating an account. When you choose to share information, it's encrypted and used only to personalize your experience. Your information is never sold, and it reaches James Whitmore only when you choose to share it.
Can I delete my information later?
Yes. You can request deletion at any time by emailing [email protected]. We confirm within 30 days. James Whitmore keeps their own records under their own retention policies. Ask them directly if you have questions about what they retain.
Do I have to do a voice call?
No. Voice is available if you'd rather talk it through, but everything works by text too. Use whichever feels more natural.
What does this cost me?
Nothing. This is included as part of working with James Whitmore, at no additional cost to you.
I'm not a client of James Whitmore yet — can I still use this?
Yes. This is available whether you're already working with James Whitmore or just getting to know them. Either way, Grace's role stays the same, education and organization, never advice. The advice conversation happens directly with James Whitmore.
What happens after I complete a session?
Your conversation is saved to your own private history, so you can pick up where you left off. If you're preparing for a meeting, a summary is available for James Whitmore to review, only with your okay.
What if I need help right now?
Grace is built for ongoing conversation, not urgent or emergency situations. If something needs immediate attention, contact James Whitmore directly, or reach out to the appropriate professional or emergency service.