Every successful plan begins with a clear purpose. It captures where you are, where you want to get to, and the route between – across every part of your financial journey that matters.
A well-made plan provides considered answers to questions such as:
The starting point is to have a good plan that answers all these questions and more.
The financial industry separates these into different products, departments, and fees. We don’t. They’re parts of one plan.
Wills, trusts, lifetime gifting, and inheritance tax (IHT) planning. It’s about making sure that what you have built is passed on to the people you care about, in line with your wishes, keeping the tax burden as efficient as possible
Structuring withdrawals efficiently across pensions, ISAs, and other assets, while safeguarding the standard of living you have worked hard to build over your career.
For business owners, we work with you closely on income strategies, pension contributions through the business, director protection, and exit planning into a single, coordinated approach.
Covering life insurance, income protection, critical illness, and key person cover. These are decisions that may seem routine, but provide essential financial security and become critically important when they are needed most.
Portfolios shaped by your plan. The right level of risk, the right structures, rebalanced when the plan (not the market) calls for it.
For business owners, we work with you closely on income strategies, pension contributions through the business, director protection, and exit planning into a single, coordinated approach.
Financial planners are needed in moments when decisions become significant, complex, and often irreversible. These are just some of the areas where clear thinking and structured advice can make a lasting difference.
The five years before and after retirement are critical. Getting decisions on income, withdrawals, and tax right at this stage can shape your financial security for decades.
A liquidity event typically happens once. With the right planning in the months beforehand, you can materially influence how much value you retain, how it is structured, and how effectively it supports your future goals.
Inheritances often come with emotional complexity. There is rarely a need to act quickly, but taking time to make considered decisions helps ensure the capital is structured and invested in a way that reflects your long-term priorities.
Events such as divorce, bereavement, relocation, or changes in family circumstances can be challenging. While financial planning cannot remove the difficulty of these moments, it can provide clarity and stability.
Much of the financial advice available in the UK is based on rules of thumb and estimation.
Our approach is data-driven and grounded in logical analysis.
We build a year-by-year projection of your income, capital, expenditure and major life events, running across your lifetime. We then stress-test it: what if markets fall significantly in the early years? What if you live to 100? What if the business sells for less than you hoped, or more?
The model does not predict the future. It tells you which decisions are genuinely robust and which ones rely on circumstances going in your favour. It is the difference between having a plan versus making a set of assumptions.
Our fees are straightforward and transparent. We confirm all costs clearly before any work begins.
A fixed fee for the plan, agreed upfront before any work begins. The fee is determined by the complexity of the review and advice required. The simpler the plan, the lower the fee. We will always confirm costs clearly before proceeding.
For ongoing investment management, we charge a percentage-based fee on the assets we manage on your behalf. The greater the sum of assets we manage, the lower the fee. We keep our charging structure simple so you always know exactly what to expect.
This section is here to answer our most commonly asked questions. If you have more question, please reach out to us via phone or email.
If your finances are straightforward and where you have a personal interest in picking and monitoring investments you may not need ongoing advice. But as complexity increases, or at key moments such as retirement, a business sale, or receiving an inheritance, financial planning becomes one of the most valuable choices you can make.
The initial conversation is an hour. From signing on to receiving your written plan is typically four to eight weeks. We work at your pace, not ours.
We typically start with an introductory call to understand what you are looking to achieve and whether we will be a good fit for you.
We then have an hour’s conversation, ideally in person at our London or Eastbourne offices, or a place that is mutually convenient. If you would prefer to meet via a video call that is absolutely fine and very practical. There is no charge for this initial meeting and no obligation as it is important that we have some proper time together to work out how we want to proceed.
This is very common. Our approach is to review your existing arrangements, retain what is working well, and refine or restructure where appropriate. Changes are made only where there is a clear benefit, never for the sake of it.
Advice-led. We are independent and FCA-regulated, with no product commissions or provider ties. Our recommendations follow from your plan – sometimes they include products, often they don’t. The plan comes first.
