Our services
Independent financial planning that connects your finances to your life. Every service begins with understanding — not assumptions.
Life planning
Connecting your finances to how you wish to live.
Lifestyle Financial Planning
Your money should support your life — not dictate it. We begin with what matters to you: your aspirations, your responsibilities, your definition of a fulfilling life. From there, we build a financial structure that aligns with how you wish to live — not a generic plan based on assumptions.
Cashflow Planning
Understanding where you stand today and where you are heading is the foundation of confident decision-making. Cashflow modelling gives you a clear, visual picture of your financial future — enabling you to test decisions, explore scenarios, and move forward with clarity.
Retirement Planning
Retirement is not a single event — it is a transition that looks different for everyone. We help you think clearly about what this next stage of life means to you, and build a financial structure that supports it. Whether you are five years away or already there, we bring clarity to the conversation.
Pension Planning
Pensions can be complex — and decisions around them are often irreversible. Whether you are considering consolidating multiple pensions, transferring a final salary scheme, or simply seeking clarity about your existing arrangements, we ensure you understand all the options, advantages, and risks before making any decision.
Tax Planning
Effective tax planning is not about avoidance — it is about ensuring you make full use of the allowances and reliefs available to you. We review your financial structure to identify opportunities for greater efficiency, so that more of your money works towards your goals.
Investment
Structured, disciplined, insight-driven.
Investment Planning
Long-term investment success is shaped less by market timing and more by structure, discipline, and thoughtful decision-making. We help you build an investment approach that reflects your goals, your timeline, and your tolerance for risk — grounded in evidence rather than speculation.
Protection
Safeguarding the people and businesses that matter.
Family Protection
Protecting the people who depend on you is one of the most important financial decisions you can make. We review your circumstances and recommend appropriate cover — life insurance, critical illness, or income protection — so that your family is supported if the unexpected happens.
Business Protection
If you run a business, the financial impact of losing a key individual can be significant. We help business owners put appropriate protection in place — key person cover, shareholder agreements, and partnership protection — to safeguard the business and its people.
Property & mortgages
Clear, independent advice for every stage.
Mortgage Advice
Whether you are purchasing your first home, remortgaging, or exploring more specialist arrangements, we provide clear, independent mortgage advice. Our role is to find the right solution for your circumstances — not to sell a particular product.
Equity Release
Equity release is a significant decision that deserves careful consideration. If it is appropriate for your circumstances, we will explore the options with complete transparency — explaining both the benefits and the long-term implications — so you can make a fully informed choice.
Legacy & intergenerational planning
Passing on what matters, in the way you intend.
Intergenerational & Legacy Planning
Planning how your assets are passed on is about more than tax efficiency — it is about ensuring the people you care about are supported in the way you intend. We help you think through the options, the timing, and the structure so that your legacy reflects your wishes.
Not sure where to start?
That is completely normal. Most people do not arrive with a clear financial question — they arrive with a feeling that something could be better. A conversation is the best place to begin.
Arrange a conversation