What advice can cover
One conversation, whatever the question
Advisers in our network cover the full range of personal and business financial planning. Tell us what's on your mind and we'll match you with someone who specialises in it.
Areas of advice
Where an adviser earns their fee
Pension planning and review
Bringing old workplace pensions together, checking charges and investment choices, deciding how much to contribute, and planning how you'll draw an income when you stop working. Advice on defined benefit transfers where appropriate.
Investments and savings
Building a portfolio that fits your goals and your appetite for risk, making full use of ISAs and other allowances, and reviewing what you already hold so that it still does the job you bought it for.
Inheritance tax and estate planning
Gifting, trusts, business and agricultural reliefs, life cover written in trust, and the April 2027 change that brings most unused pensions into the estate. Planning so that more of what you've built reaches the people you choose.
Tax planning and mitigation
Income tax, capital gains and dividend tax for higher earners, directors and the self-employed. Using allowances in the right order and timing decisions so that less is lost to tax.
Protection and insurance
Life cover, income protection and critical illness cover, sized to what your family would actually need, and structured so that any payout goes where you intend it to.
Business tax efficiency and structuring
Extracting profit tax-efficiently, director and employer pension contributions, protecting the business against the loss of a key person, and planning years ahead for a sale or succession.
Will writing and powers of attorney
Making sure your wishes are recorded properly and that someone you trust can act for you if you can't. Advisers in the network work alongside solicitors and will writers where needed.
Retirement income
Turning pensions, savings and property into a sustainable income: drawdown, annuities, tax-free cash, state pension timing, and how long your money needs to last.
Cash-flow modelling
A long-term picture of your money that shows what's affordable, when you could stop working, and what happens if your plans change. Many advisers build this into their first proper meeting.
Who it's for
People with a question worth a proper answer
There's no minimum to talk to us. Some people come with a single pension statement, others with a business to sell or an estate to plan. The common thread is a decision they'd rather make with someone qualified beside them.
Types of adviser
Independent, restricted, local or national: we explain the difference
Our network spans the UK, from local independent financial advisers to large and international firms managing over £1bn. Each has strengths. An independent adviser can recommend from the whole market. A larger firm may offer in-house investment management, specialist tax teams, or a dedicated service for business owners.
Part of our job is to explain those differences in plain English and match you with the kind of adviser that suits what you need, not just the nearest one.
See how matching works
Not sure which area you need?
That's normal. Book a complimentary consultation, tell us what's on your mind, and we'll match you with the right adviser.