I am ready to take your call!
Whether you’re approaching retirement or already there, I’m here to make things simpler and help you make the most of your income.
Do you have pensions across multiple providers? Unsure if your current plan meets your needs? Still saving, or looking for a tax-efficient way to draw income in retirement?
I’ll guide you through your options—whether workplace pensions or personal plans —so you can make informed decisions with confidence.
Together, we’ll review your current position, identify opportunities to improve your finances, and create a plan that supports your goals, whether you want flexibility or a guaranteed income.
Whether you're new to investing or refining an existing portfolio, I offer tailored solutions to suit your needs. From tax-efficient ISAs and flexible General Investment Accounts to bonds and strategies offering inheritance tax planning and up to 30% income tax relief, every recommendation is built around you.
I take the time to understand your goals, risk appetite, and personal circumstances—because investing isn’t one-size-fits-all.
My focus is not only on growing your wealth but protecting it. With smart, tax-efficient strategies for today and the future, I help ensure your money works harder for you.
Navigating tax can be complex, but with the right strategy it becomes an opportunity. By making full use of allowances, reliefs, trusts, and tax-efficient investment solutions, I work with you to reduce liabilities and structure your finances more effectively; this applies to income, capital gains, inheritance and business taxation.
The focus is simple: protect your wealth, plan ahead, and help you and your family keep more of what you’ve worked hard to earn.
Life is full of surprises, some joyous and others a little more challenging. Protecting what matters most is just as important as growing your wealth. Without the right safeguards in place, unexpected events can have a significant financial impact on you, your family, or your business. With a comprehensive suite of protection solutions designed to provide you with a safety net, offering peace of mind when you need it most; whether it’s personal cover to support your loved ones or business protection to ensure continuity, everything is built around your specific circumstances.
We all want to live long, happy, and healthy lives, but sometimes our golden years come with challenges that require a little extra care and support. That's why I'm here to assist you in crafting a plan that not only covers your long-term care needs but also looks to meet your monthly expenses in the most tax-efficient way possible. There are a number of strategies and approaches towards long term care planning, including insurance, annuities and hybrid policies. I'll guide you through the available products and recommend those that are and will remain tax efficient now and in the future.
The performance of your investments is subject to risk(s). Its performance may fluctuate based on movements in the market and economic condition(s). Capital at risk. Currency movements may also affect the value of investments. You may get back less than you originally invested. Past performance is not a reliable indicator of the future performance. Tax treatment is based on individual's unique circumstances
We needed some pension assistance and we were so lucky we found Jo she has made the whole experience a so much simpler process, Pension companies use terms we don't understand and Jo explained it all simply for us. we would highly recommend and will keep using Jo for our financial needs from now on. Thanks Jo.
by John
Recently retired and looking for advice on investments and pension providers, Jo was reccomended to us by our accountant. She has provided a comprehensive assessment of our current situation and future plans, providing a full and easily understood set of investment plans. She has handled all of the transfers and communications with existing providers with persistence and diligence, always keeping us informed of progress. Her response to questions has always been very prompt and the answers are always comprehensive and easily understood. It has been a delight working with Joanne and we would highly reccomend her to anyone looking for wealth and pensions advice.
by John A
I have used Jo’s services for a number of years now and have always found her to be very friendly, approachable and helpful with a wide variety of financial assistance available. She is very responsive to any questions asked and has a very personal touch with the service she offers. I wouldn’t hesitate to recommend her.
by Philippa
Jo was very helpfull with our situation and put our minds at ease, hopefully a good outcome, I would highly recommend using Jo for your financial needs, Thank you Jo!
by Shaun
Brilliant service, Jo took a lot of time (and patience) to properly understand our circumstances and took all the agreed steps very quickly and efficiently.
by Neil
We are so pleased to have found Jo, as we are spanish residents dealing with my daugthers statement in England. Jo has been smart and empathic profesional who listen carefuly complex situations in order to give us the best advice. She have sent to us a very detail inform, and explain the product quite clear. Replys quickly and is very patient.
by Mariana
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Jo Kurz (FCA No. JXK18333) is an adviser with Julian Harris Adviser Network Limited (FCA No. 304155) which is authorised and regulated by the Financial Conduct Authority.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at customers in the UK.
Tax treatment is based on individual's unique circumstances
The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk