Our Services
Tailored financial guidance designed around your unique goals and circumstances
Financial planning isn't one-size-fits-all. We offer a range of services that can be combined to address your specific needs, whether you're just starting to build wealth, approaching retirement, or managing complex financial situations.
Comprehensive Financial Planning
From £1,800
A complete analysis of your financial situation, including detailed recommendations across all aspects of your financial life. We examine your current position, identify opportunities and risks, and create a holistic roadmap for achieving your goals.
What's Included:
- In-depth discovery meeting to understand your goals and circumstances
- Comprehensive review of income, expenses, assets, and liabilities
- Retirement projection modeling under various scenarios
- Investment portfolio analysis and optimization recommendations
- Tax efficiency assessment and planning strategies
- Estate planning review and recommendations
- Insurance needs analysis
- Written plan document with clear action steps
- Implementation support and follow-up consultation
Retirement Planning
From £1,200
Strategic planning to help you transition into retirement with confidence. We model various scenarios to ensure your savings can support your desired lifestyle while managing longevity risk and inflation.
What's Included:
- Retirement income needs analysis based on your lifestyle goals
- Pension optimization including state and private pensions
- Drawdown strategy planning to minimize tax impact
- Social Security timing optimization
- Healthcare and long-term care planning considerations
- Monte Carlo simulation showing probability of success
- Transition planning for phased retirement approaches
- Annual review and adjustment recommendations
Investment Strategy & Portfolio Management
From £950
Evidence-based investment strategies tailored to your risk tolerance, time horizon, and financial goals. We help you build and maintain a diversified portfolio aligned with your objectives.
What's Included:
- Risk tolerance assessment and investment policy development
- Asset allocation recommendations based on your circumstances
- Portfolio construction using low-cost, diversified investments
- Tax-efficient fund placement across accounts
- Rebalancing strategy to maintain target allocation
- Performance reporting and analysis
- Quarterly portfolio reviews
- Ongoing adjustments as goals or circumstances change
Tax Planning & Optimization
From £850
Strategic tax planning to minimize your lifetime tax burden while remaining fully compliant. We identify opportunities to structure your finances more tax-efficiently.
What's Included:
- Current tax situation analysis and projection
- ISA and pension contribution optimization
- Capital gains tax planning and harvesting strategies
- Dividend and interest income tax efficiency
- Charitable giving strategies for tax benefits
- Business owner tax optimization for salary vs dividends
- Inheritance tax mitigation planning
- Coordination with your accountant or tax preparer
Cash Flow & Budget Planning
From £650
Practical systems to track your income and spending, optimize cash flow, and build financial cushions. Understanding where your money goes is the foundation of any sound financial plan.
What's Included:
- Comprehensive income and expense analysis
- Cash flow tracking system setup
- Spending pattern identification and optimization
- Emergency fund sizing and building strategy
- Debt reduction planning and prioritization
- Savings goals and automation setup
- Quarterly check-ins to review progress
Business Owner Financial Planning
From £2,200
Specialized guidance for entrepreneurs and business owners navigating the unique challenges of intertwined personal and business finances. We help you extract wealth efficiently while planning for business transitions.
What's Included:
- Business and personal financial integration strategy
- Compensation structure optimization (salary vs dividends)
- Business succession and exit planning
- Retirement planning accounting for business sale proceeds
- Key person and business insurance analysis
- Personal and business asset protection strategies
- Tax-efficient profit extraction planning
- Quarterly business financial reviews
Ongoing Advisory Relationship
From £200/month
Continuous financial guidance and support throughout the year. Your advisor becomes a long-term partner in your financial journey, available whenever questions or opportunities arise.
What's Included:
- Quarterly portfolio reviews and rebalancing
- Annual comprehensive plan updates
- Unlimited email and phone access to your advisor
- Proactive outreach about relevant tax law or market changes
- Life event planning support (marriage, children, job changes)
- Investment monitoring and strategy adjustments
- Priority scheduling for ad-hoc consultations
- Access to planning software and client portal
Hourly Consultation
£180/hour
Flexible, project-based guidance for specific financial questions or decisions. Ideal if you manage most aspects of your finances independently but want expert input on particular issues.
What's Included:
- One-on-one consultation with a qualified advisor
- Focused analysis of your specific question or situation
- Written summary of recommendations discussed
- Follow-up email support for clarifying questions
- Minimum two-hour initial engagement
What Sets Our Service Apart
Fee-Only Structure
We're compensated only by client fees, never commissions from product sales. This eliminates conflicts of interest and ensures our recommendations serve your interests exclusively.
Customized Strategies
We don't apply cookie-cutter solutions. Every recommendation is tailored to your specific circumstances, goals, and risk tolerance.
Educational Approach
We invest time explaining the reasoning behind recommendations so you understand not just what to do, but why it makes sense for your situation.
Transparent Pricing
You'll know exactly what services cost before we begin. No hidden fees, no surprise charges, no pressure to purchase products.
Our Process
Initial Meeting
We start with a no-obligation conversation to understand your situation and determine if we're a good fit. You'll leave with a clear understanding of how we work and what it would cost.
Data Gathering
Once you engage our services, we collect comprehensive information about your financial situation through questionnaires and documentation review.
Analysis & Planning
We analyze your data, run projections, and develop customized recommendations. This typically takes two to three weeks depending on complexity.
Presentation Meeting
We present our findings and recommendations in a detailed meeting, walking through each element and answering your questions.
Implementation
We provide step-by-step guidance as you implement the plan, offering support and adjusting as needed.
Ongoing Support
For clients in ongoing relationships, we schedule regular reviews and remain available for questions that arise between meetings.
Choosing the Right Service
Not sure which service fits your needs? Here's a quick guide:
You're just starting out
Early career, building initial savings, want to establish good habits
You have complex finances
Multiple income sources, significant assets, need holistic coordination
Retirement is approaching
Within 5-10 years of retirement, need transition planning
You run a business
Self-employed or small business owner, personal and business finances intertwined
You need specific guidance
One-off question or decision, generally confident managing finances
Frequently Asked Questions
Absolutely. Many clients benefit from combining services—for example, pairing Comprehensive Financial Planning with an Ongoing Advisory Relationship, or adding Tax Planning to Investment Strategy. We'll recommend the combination that makes most sense for your situation.
Most services are priced as flat project fees payable at the start of engagement. The Ongoing Advisory Relationship uses monthly billing. Hourly Consultations are billed after services are delivered. We provide written fee agreements before beginning work.
We provide investment strategy and recommendations, but we don't take custody of your assets. You maintain direct control over your accounts. For clients wanting implementation support, we can help set up accounts and guide the process.
For project-based services, you can cancel before we begin analysis work for a full refund minus any time already invested. For ongoing relationships, you can cancel anytime with 30 days notice. We'll always work with you to find a fair resolution if circumstances change.
Timeline varies by service complexity. A typical Comprehensive Financial Plan takes 3-4 weeks from data gathering to presentation. Focused services like Tax Planning might take 2-3 weeks. Hourly Consultations can often be scheduled within the week. We'll give you a specific timeline during the initial conversation.
Yes. While our office is in Cardiff, we work with clients throughout the UK. Virtual meetings via video conference work just as effectively as in-person sessions for most planning activities.
Not Sure Where to Start?
Get in touch for a no-obligation conversation about your situation and which services might be most valuable.
Contact Us