Financial Planning
Independent, whole-of-market advice built around what you are actually trying to do.
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Services
Six connected areas. Where something falls outside them — a tax return, a will, a conveyance — we say so and refer it rather than improvising.
Legal services
What we advise on
Investments
Portfolio construction and ongoing management, with the costs and the risk stated plainly.
Learn morePensions
Workplace and personal pensions found, costed, and consolidated only where it helps.
Learn moreRetirement Planning
Drawdown, annuity, and the sequencing decisions that determine how long the money lasts.
Learn moreInheritance Tax Planning
Quantify the likely liability first, then look at options — in that order.
Learn moreEstate Planning
Wills, trusts, powers of attorney and nominations — coordinated rather than collected.
Learn moreSectors
Where the work lands
The six areas above describe what we do. These describe the industries they keep arriving from — a quicker way to tell whether we have seen a situation like yours before.
Approaching retirement
People within a decade of drawing benefits who want the arrangements costed and the income tested before the decision becomes irreversible.
Already retired
Clients in drawdown whose withdrawal rate was set years ago, and who have never had it checked against what markets actually did.
Business owners
Extraction, pensions as a planning tool, and the years either side of a sale — when advice is worth most and is most often left too late.
Professionals and senior employees
Complex remuneration, annual allowance problems, and several pensions from several employers that nobody has looked at together.
Inheriting or gifting
Families passing money down without impoverishing the generation doing the passing, and beneficiaries deciding what to do with a sum they did not plan for.
Divorce and separation
Pension sharing, the value of an offer in real terms, and rebuilding a plan around a single income.
Trustees and executors
A defensible basis for investment decisions, and estates where a liability has already crystallised.
Arranging for someone else
Attorneys, deputies and families organising affairs for a relative who can no longer do it themselves.
How it works
Three steps, every time
First conversation
A call at our cost to understand what you are trying to do and tell you plainly whether we can help. Sometimes the honest answer is that you do not need advice at all, or not yet — and we would rather say that than bill you for finding out slowly.
Scope and costs in writing
Before any work starts you get the scope, the approach, who will do the work and what it will cost, in writing. Independence means we are paid by you rather than by a provider, and you should be able to see exactly what you are paying and for what.
Advice, then review
A written recommendation you can read, question and keep, setting out what we suggest and why — including the options we rejected. Then a review at agreed points, testing the plan against what actually happened rather than restating it.
Tell us what you are trying to work out
A first conversation at our cost, and an honest view on whether advice would change anything for you.