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The Team

James Miller – Director

James Miller – Cert PFS, CeMAP

James had enjoyed an established and successful career with Lloyds TSB and Countrywide before starting his own business in 2010, winning many awards and accolades along the way. James works in a relaxed and friendly manner to help realise his client’s future plans and financial needs.

David Ruse – Independent Mortgage Advisor

David Ruse – CeMAP

David has worked in financial services since 1998, consistently achieving high levels of sales and customer satisfaction and joined James Miller & Associates in 2011. David has worked as a whole of market advisor for fast approaching 10 years and feels that this allows him to reach his clients needs.

Darren Kinsman – Independent Mortgage Advisor

Darren Kinsman – CeMAP

Darren is an experienced Mortgage and Protection Consultant, having worked within the retail banking sector for 20 years. He spent this time working for Halifax and HSBC, before joining James Miller & Associates in 2015. He is more than happy to visit clients at their homes, in the evenings or at weekends.

Shaun Harvey – Independent Mortgage Advisor

Shaun Harvey – CeMAP, CeRER

Shaun joins James Miller & Associates from Countrywide, where he spent 9 years as a Senior Consultant. With access to the whole of the market, Shaun offers his clients truly independent mortgage and protection advice. He is based in Truro but is also happy to visit clients in their homes.

Paula Reynolds – Independent Mortgage Advisor

Paula Reynolds – CeMAP, DipMAP

Paula has been in the Mortgage and Protection industry for over 20 years, firstly with Halifax and then Countrywide, working with New Build Developers and Affordable Housing. She specialises in finding the best solution for clients whatever their situation, getting them the very best deal.

Toyah Taylor – Mortgage & Insurance Paraplanner

Toyah Taylor – CeMAP, CeRER

Toyah started at James Miller & Associates full time in November 2016 as an apprentice. Since then, Toyah has gained her CeMAP level 3 and in doing so was one of the youngest in the country to gain the qualification. Toyah also recently gained her CeRER qualification.

Matt Jenkins – Mortgage & Insurance Paraplanner

Matt Jenkins – CeMAP, CeRER

Matt recently joined James Miller & Associates in February 2019. He gained previous experience in the insurance sector whilst attaining his CeMAP qualifications. Matt has a broad knowledge of the insurance and protection field and has also recently gained his CeRER qualification.

Charlie Davis – Office Manager

Charlie Davis – CeMAP, CeRER

Charlie has enjoyed a 10 year career in the education sector before retraining and joining the team at James Miller & Associates in the summer of 2019. Charlie has completed his CeMAP and CeRER qualifications and will look to increase his knowledge whilst developing various areas of business.

Sue Stivey – Admin Manager

Sue Stivey

Sue boasts a wealth of experience in the Financial Services sector gained prior to joining James Miller & Associates. Sue has worked for a number of major banking corporations in compliance and administrative roles whilst overseeing a large number of advisors. Sue’s primary role is to oversee the submission of mortgage and protection cases.

Jason Brown – Office Administrator

Jason Brown

Jason joined James Miller & Associates in June 2019 after successful spells at GE Money, and Southwest Mortgages spanning back to 2004. Jason has a vast knowledge of mortgages and possesses excellent customer service skills. Jason is now working towards his CeMAP qualifications with a view to advising in the near future.

Ryan Donavon – Office Administrator

Ryan Donavon

Ryan joined the company in November 2019 and is approaching the end of his first year as an apprentice. Ryan is looking to start his CeMAP exams in the near future and become qualified to develop and pursue a career in mortgage advising. Ryan enjoys a range of sports and plays football competitively.

What Our Customers Say

The guidance or information contained within the website is subject to the UK regulatory regime and is therefore aimed at consumers in the UK.
The FCA does not regulate Commercial lending or Commercial Buy to let mortgages.


Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it.

James Miller & Associates is a trading name of J.S.Miller Independent Financial Planning Ltd which is an appointed representative of Vision Independent Financial Planning Ltd who are authorised and regulated by the Financial Conduct Authority (FCA).

Firm reference number: 487395. This can be verified by visiting the Financial Services Register.

J.S.Miller Independent Financial Planning Ltd is a registered company in England and Wales. Registration number 07242081.

To verify our status please visit the FCA register. Our FCA number is 534042.