James Whitmore
Founder & Lead EditorFormer financial journalist with 18 years covering personal finance. Passionate about demystifying money for everyday people.
We believe every person deserves clear, honest financial education — regardless of their income, background, or where they are in life.
PrivateFins was founded with a single conviction: that sound financial knowledge should not be a privilege reserved for the wealthy or the well-connected. The decisions we make with money — every day, at every stage of life — shape our wellbeing more than almost anything else.
Yet most people never receive a proper financial education. Schools rarely teach it. Banks have conflicts of interest. Advisors are often out of reach. PrivateFins exists to fill that gap — with free, plain-English guidance that anyone can understand and apply.
Everything we publish and every decision we make is guided by these four principles.
We do not accept advertising, sponsorship, or affiliate arrangements. Our recommendations are based purely on educational merit.
All content is thoroughly researched and reviewed. Where financial regulations differ by jurisdiction, we make that clear.
We translate complex financial concepts into language that is easy to understand — without dumbing things down.
Every piece of content on PrivateFins is, and always will be, completely free. No paywall, no premium tier.
A small, dedicated team of financial educators, writers, and researchers committed to making personal finance accessible.
Former financial journalist with 18 years covering personal finance. Passionate about demystifying money for everyday people.
Specialises in family finance and retirement planning. Previously with the European Financial Education Network.
PhD in Behavioural Economics. Ensures all content is grounded in evidence-based research and free from bias.
PrivateFins provides general financial education and information only. Nothing published on this website constitutes financial advice, and we do not know your personal financial situation. Before making significant financial decisions, we always recommend consulting a qualified, regulated financial adviser in your jurisdiction.