Money decisions that fit the life you're building.
Personal, honest financial advice for individuals, families and business owners. In plain English, at the pace your life is moving, for every stage you're heading into.
Plans built around people, not products.
Financial planning works when it follows the shape of your life. We listen first, write the plan around you, then keep it honest year by year.
The best financial plans are quiet on the surface and clever underneath. Clear, written, agreed, reviewed. That is the job.
Where we can help.
A first investment. A retirement plan. Cover that means the family doesn't have to think about money on the worst day. These are the areas we work in most often.
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01
Investment planning
A diversified plan around your goals, your time horizon and your real appetite for risk.
- ISAs, GIAs and bonds
- Cash flow modelling
- Regular review meetings
- Written fee disclosure
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02
Retirement planning
A clear picture of what retirement looks like, what it costs, and how to get there.
- Pension reviews
- SIPPs
- Annuity and drawdown
- Tax-efficient income
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03
Protection
Cover for life, illness and income, so the people who depend on you keep their footing.
- Life and family income
- Critical illness
- Income protection
- Cover written in trust
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04
Mortgages
Residential and specialist mortgage advice, including the trickier cases high-street lenders find difficult.
- Residential and BTL
- Large loans
- Complex income
- Specialist banking
Practical advice, from someone who has built a few things himself.
John Kentzer is the principal of Lemoca Financial Planning. His career has run across financial services, logistics, operations management and business ownership, which means he understands both the numbers and the day job behind them.
He works with families thinking about the long arc of their finances, and with business owners who need a plan for the company and for life outside it. Conversations are honest. The maths is shown. The plan is written so you can actually read it.
Three steps to a plan you understand.
Every relationship starts the same way. A conversation, a plan written for you, then a regular review so the plan keeps up with your life.
A conversation
A relaxed chat, free of charge, to understand what you want from your money and where you are now. Bring questions. There is no jargon test.
A plan written for you
A clear, written plan that sets out what we recommend, why, what it costs and the trade-offs you should know about. Nothing happens until you say so.
Reviews, kept honest
Plans need to keep up with life. We meet regularly to check the plan still fits, adjust where it needs adjusting, and answer anything that has come up.
Asked and answered.
Straight answers to the things people most often want to know before getting in touch.
Lemoca Financial Planning gives personal financial advice to individuals, families and business owners. The work spans investment planning, retirement planning, protection cover, mortgages, corporate services and intergenerational wealth. It runs through one named adviser, John Kentzer, supported by the St. James's Place infrastructure.
Lemoca is based in Sheffield and advises clients across the United Kingdom. Most clients are individuals and families in South Yorkshire and the surrounding region, plus business owners and company directors who need joined-up personal and corporate planning.
The first conversation is free, lasts around 30 minutes, and has no obligation attached. It can happen by phone, video call or in person.
The aim is simply to understand what you want from your money and to find out whether we are the right fit. You'll only be asked to pay for anything if you decide to take a written plan forward, and the fees are agreed with you in writing before any work begins.
Yes. Lemoca Financial Planning is an Appointed Representative of St. James's Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority. All advice is given under the SJP regulatory framework, and SJP's products and services are the ones we recommend on.
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