James Abram is a Chartered Financial Planner and Independent Financial Adviser with over 8 years of experience delivering personalised wealth management and tax-efficient planning solutions.

As a director of Abram Partnership, based in Thornhill in Cardiff, James specialises in providing bespoke financial planning to high net worth individuals, business owners, and families across the UK. His client-focused approach ensures every strategy is tailored to individual needs, helping clients achieve financial security, tax efficiency, and long-term prosperity.

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Areas of Expertise

Inheritance Tax (IHT) Planning – Reducing unnecessary tax liabilities and preserving wealth for future generations.
Business Relief (BR) Investments – Providing tax-efficient opportunities to reduce IHT exposure while supporting British businesses.
Business Succession & Exit Planning – Helping business owners achieve smooth transitions and financial stability.
Pension Optimisation & Retirement Planning – Structuring sustainable income strategies for later life.
Investment Management – Building and managing portfolios aligned with goals and risk tolerance.
Estate Preservation – Protecting and passing on assets efficiently.
Insurance & Protection – Safeguarding families and businesses against unforeseen risks.

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Why Clients Choose James

Clients value James’s trust, transparency, and deep technical expertise. Many arrive feeling overwhelmed by complex financial decisions—navigating pension freedoms, reducing tax burdens, or planning for intergenerational wealth transfer. James takes the time to understand each client’s unique circumstances before creating clear, actionable strategies that provide confidence and peace of mind.

His tailored approach has helped:

• Business owners secure their future with robust exit and succession plans.

• Retirees maximise income in a sustainable, tax-efficient way.

• Families protect and preserve their legacies through effective estate planning.

As a Chartered Financial Planner, James provides truly independent advice, free from ties to any product providers, ensuring recommendations are always in the client’s best interest.

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Beyond Finance

Outside of work, James is a devoted husband to Danielle, proud father to Oliver, and dog dad to Oscar. A strong believer in work life balance, he enjoys running, gym training, and exploring his love for music, whether attending gigs or relaxing with family.

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Take the Next Step

If you’re looking for a Chartered Financial Planner in Cardiff who combines technical expertise with a personal approach, James Abram and the Abram Partnership team are here to help. Whether you’re a high-earning professional, a business owner, or someone planning for retirement, James offers the clarity and confidence you need to make informed financial decisions.

👉 Contact James today to arrange your consultation and start building a secure, tax-efficient financial future.