Bringing every part of your financial life together
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:
- Will I be able to retire when I want to, maintaining my desired lifestyle?
- What happens to my family, and the business, if I am not here?
- Am I paying more tax than I need to?
- When can I afford to give money to my children, and how should I do it?
- How will I structure my income when I am no longer working or running my business?
What a comprehensive plan covers
The financial industry separates these into different products, departments, and fees. We don’t. They’re parts of one plan.
Cashflow modelling
By offering cashflow planning, we can model different scenarios and stress-test financial plans against factors such as inflation, investment returns, market volatility, and changes in income – allowing us to offer confidence and clarity.
Investment suitability
We review what you have in place now in the context of what you are trying to achieve. If your investments are suitable, we will give you that confirmation. If we think you could arrange your investments in a more suitable, more effective way, we will advise you and help you to implement those changes.
Tax planning
Making use of all the available allowances, wrappers and investment vehicles can provide more immediate returns than most investments. We will help you get the most out of your money through sensible tax planning that suits your situation.
Estate planning
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
Financial protection
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.
Retirement and income
Structuring withdrawals efficiently across pensions, ISAs, and other assets, while safeguarding the standard of living you have worked hard to build over your career.
When financial planning matters most
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.
Approaching retirement
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.
Selling a business or exiting a role
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.
Inheritance
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.
Major life change
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.
Cashflow modelling sits at the centre of the plan
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.
How we charge for our services
Our fees are straightforward and transparent. We confirm all costs clearly before any work begins.
The Financial Review
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.
Wealth Management & Ongoing Advice
For ongoing wealth management, we change a percentage-based fee for the assets we manage on your behalf. The greater the sum of assets we manage, the lower the percentage charged. We keep our charging structure simplified to ensure you know exactly what to expect. If you do not need us to manage investments but still want ongoing advice, we can set an annual fixed retainer commensurate with the complexity of the advice and the work required.
Frequently Asked Questions
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.
Do I really need financial planning?
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.
How long does the process take?
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.
How does the first meeting work?
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.
What if I already have investments and pensions in place?
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.
Are you product-led or advice-led?
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.