Our services
Financial advice services, chapter by chapter.
Six connected areas of advice, one joined-up plan. Start wherever life has you now.
Retire on your terms
See our six-step retirement process →
Whether retirement is decades away or around the corner, we build a plan around your goals, income sources and outgoings — so you know when you can stop, and that your income will last.
Review and consolidation of existing pensions — workplace, personal and old “forgotten” pots.
Cash-flow modelling to answer “when can I afford to retire, and will my money last?”
Income drawdown, annuities and phased retirement — the options compared for your situation.
Tax-free cash planning and timing — especially with the 2027 rules approaching.
Annual allowance and contribution planning, including carry-forward for higher earners.
Forecast checks and filling National Insurance gaps.
Retirement income built alongside ISAs, property and other assets — not pensions in isolation.
A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available.
Workplace pensions are regulated by The Pensions Regulator.
The Financial Conduct Authority does not regulate tax advice.
Invest with purpose
We build an investment strategy matched to your goals, timescale and attitude to risk — then review it with you regularly. You’ll always understand what you own, why you own it and what it costs.
A tailored portfolio matched to your goals, timescale and attitude to risk.
Stocks & Shares ISAs, general investment accounts and investment bonds.
Diversification across asset classes, regions and fund managers.
Lump-sum investing and regular monthly saving plans.
Junior ISAs and saving for children and grandchildren.
Reviews of existing investments — performance, risk and charges.
Ethical and sustainable investment options where they matter to you.
The value of investments can fall as well as rise and you may get back less than you invest.
Keep more of what you earn
From pension contributions to ISA allowances and reliefs, we help you use every legitimate allowance available — clearly documented, nothing aggressive.
Income tax planning — using personal, savings and dividend allowances fully.
Planning for higher earners, including the £100k–£125k marginal rate and child benefit clawback.
Capital gains tax planning when selling investments, property or a business.
Pension contributions and salary sacrifice as tax-planning tools.
ISA allowances used across the family each tax year.
Tax-efficient income in retirement — drawing from the right pots in the right order.
Coordination with your accountant where you have one.
Tax treatment depends on individual circumstances and may change in future. The Financial Conduct Authority does not regulate tax planning.
Pass on your wealth, your way
We help you plan across generations so the wealth you’ve built reaches the people you choose — with inheritance tax considered at every step.
An inheritance tax review — what your estate could owe today.
Gifting strategies — annual exemptions, gifts from income and the seven-year rule.
Trust planning to control how and when wealth reaches your beneficiaries.
Life cover written in trust to help fund an IHT bill.
Preparing for pensions entering the IHT net from April 2027.
Intergenerational planning — helping children and grandchildren tax-efficiently.
Working alongside your solicitor on wills and lasting powers of attorney.
Tax treatment depends on individual circumstances and may change. The Financial Conduct Authority does not regulate tax planning, trusts or will writing.
Your home, protected within your bigger plan
Your mortgage and your protection should work together. We weigh rates, fees and flexibility alongside the cover that helps protect your home, lifestyle and family if life changes unexpectedly.
First-time buyer mortgages — deposits, affordability and government schemes explained.
Remortgaging when your fixed rate ends, or to release equity.
Moving home, including porting your existing deal.
Fixed, tracker, discount and offset products compared side by side.
Buy-to-let borrowing for property investors.
Rates, arrangement fees, valuation costs and early-repayment charges — all compared.
Level, decreasing and family income benefit — compared and explained.
Cover for serious illness or a loss of earnings if you are unable to work.
Existing cover checked for the right amount, cost, trust arrangements and fit with your mortgage and dependants.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate Buy-to-Let mortgages.
Protection plans typically have no cash in value at any time and cover will cease at the end of the term. Terms and conditions apply.
Your business and personal wealth, in harmony
You’ve built something valuable. We make sure it looks after you and your family too — from extracting profit tax-efficiently to protecting key people and planning the day you step away.
Taking profit tax-efficiently — salary, dividends and employer pension contributions.
Workplace pensions and auto-enrolment compliance.
Employee benefits that help you attract and keep good staff.
Cover that protects the business if a vital person is lost.
Shareholder and partnership protection with cross-option agreements.
Relevant life policies — tax-efficient life cover for directors.
Succession and exit planning, including preparing personal finances for a sale.
The price of the plan
Our fees, explained clearly.
Your first planning call is always free. If you decide to go further, every cost is set out in writing — what you pay, how it’s calculated and what you receive — before any chargeable work begins.
The free planning call
No cost, no obligation, no pressure. A conversation to see if we’re the right fit for each other.
Initial advice
A written quote for preparing your personalised recommendations, agreed before work begins and confirmed in writing.
The Ongoing Partnership
Clear ongoing charges for regular reviews, ongoing support and access to your adviser, reviewed regularly and entirely optional.
Being straight with you
We’re not the right firm for everyone.
Most advice firms tell you who they help. It seems more useful to tell you who we don’t — it saves everybody a wasted conversation.
If none of that put you off, we’ll probably get on well.
Start with the chapter you’re living now.
Tell us what’s on your mind and we’ll point you in the right direction — free, friendly and without obligation.
Contact us