More about us

Based in the South Hams, in the Idyllic Devonshire countryside, Ruby Red Financial Planning Ltd are a holistic, client focused financial planning business. 

We believe that no two clients are the same – all have different short, medium and longer term aims and objectives – so each client financial masterplan is created on a bespoke basis and are reviewed regularly to ensure clients remain on track to meet their goals and can be updated to reflect any changes to those aims.

Furthermore, as well as assisting you to live the best life you can, we remain fully authorised independent financial advisers, so should you need one of the many financial products, such as pensions, ISA’s, investment bonds or protection products, we are able to provide you with a personal recommendation. We also assist client with the tax planning aspects of their individual financial masterplans.

Qualified at Chartered level representing the level of commitment and skill that we believe to be essential when helping clients on their financial journey. 

"Being rich is having money; being wealthy is having time" - Margaret Bonnano

"A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life"- Suze Orman


James Toms - Chartered Financial Planner

James has always had an interest in business, helping set up and establish our family farm shop directly after leaving Loughborough University, before making the move into Financial Services in 2012 and founding Ruby Red Financial Planning in 2020 with the view of delivering a holistic lifestyle financial planning service to likeminded individuals.

Married with two children, James’s time outside work mainly revolves around his family and being a taxi to their various activities. 

He’s also a keen sports fan, with a particular love for cricket, rugby, golf and Formula 1 - still turning out for Plymouth Cricket club when time allows, season ticket holder at Exeter Chiefs and regularly attending the British Grand Prix.

Our three hats...

Our financial planners go through a three step process, and wear a different hat at each stage. The end result is the bespoke financial plan, tailored to your individual goals and desired lifestyle. 

1. Life Planning. In this stage, we look at your situation as it stands, the path you have taken to get to where you are now and what your ideal future looks like. This gives us our destination to work towards.

2. Financial Planning. Here, we analyse your existing resources, the resources that will become available to your in the future and also, those resources you may NEED to become available to you in the future to reach your goals.

3. Independent Financial Advice. Should your financial plan suggest the requirement of any financial product, we will make a personalised recommendation to you and implement these once agreed. 


Contact Us

107 Langbrook Cottages
PL21 9JX

01752 691926

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Important Information

Ruby Red Financial Planning Limited is authorised and regulated by the Financial Conduct Authority. You can find Ruby Red Financial Planning Limited on the FCA register by clicking here. Registered in England & Wales. Company number: 11938051. 

FCA Financial Services register Number: 842765

Registered Office Goodwood House, Blackbrook Park Avenue, Taunton, TA1 2PX

Trading Address: 107 Langbrook Cottages, Westlake, Ivybridge, Devon, PL21 9JX

If you wish to register a complaint, please write to Ruby Red 107 Langbrook Cottages, Westlake, Ivybridge, Devon, PL21 9JX, telephone 01752 691926 or e-mail

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at or by contacting them on 0800 023 4567.