What we do

Five disciplines.
One coherent plan.

Every household needs five things addressed at some point: how money grows, how it’s drawn, how it’s taxed, how it’s protected, and — for business owners — how it’s released. We do all five under one roof, with one named adviser.

Below, a short overview of each. Click a tile to read the detail.

01
Investment management

Portfolios built around your goals, not the market’s mood.

We construct diversified, evidence-based portfolios using primarily low-cost index funds — supplemented selectively with active management where the evidence supports the fee. Every portfolio is risk-graded, tax-wrapped and reviewed quarterly.

Discretionary & advisory ESG portfolios available OCFs from 0.18%

Risk-graded portfolios

Six core portfolios from Defensive to Adventurous, mapped to a 1–10 risk profile.

Tax-wrapped allocation

ISAs, GIAs, SIPPs, JISAs — we order the wrappers correctly before choosing funds.

Quarterly rebalancing

Discipline beats prediction. Drift is corrected systematically, never emotionally.

ESG & values-based

Three sustainability tiers for clients who want their portfolio to align with their values.

  • Whole-of-market fund sourcing — no in-house product
  • Average total cost (OCF + adviser fee) under 0.95% per year
  • Independent annual audit of portfolio performance vs benchmark
  • £10m Professional Indemnity cover
02
Retirement & pension

A plan that pays the mortgage when the salary stops.

Most retirements aren’t one event — they’re a slow transition. We plan for the messy reality: phased work, multiple pensions, state pension dates, healthcare costs and the years a partner is still earning.

SIPP, SSAS, drawdown Annuity sourcing Lifetime cash-flow modelling

Lifetime cash-flow model

Stress-tested against inflation, longevity and market shocks — to age 100.

Drawdown strategy

Tax-efficient withdrawal sequence across pensions, ISAs and general investments.

Pension consolidation

Bring scattered DC pots into one structure — if and only if it’s cheaper for you.

DB transfer reviews

Independent advice on safeguarded benefits, handled by our G60/AF7-qualified team.

  • Annual review of state pension entitlement & voluntary NI top-ups
  • Tax-free cash sequencing to maximise long-term net income
  • Spousal pension & partner-stage planning
  • End-of-life pension legacy planning (death-benefit nominations)
03
Tax & estate

Keep more of what you’ve made — legally, calmly, in writing.

Our chartered tax adviser leads on the structures most firms outsource. We help reduce inheritance tax exposure, organise lifetime gifting, design trusts, and integrate the whole picture with your investments and pensions.

IHT planning STEP-qualified team £3.2m saved last year

IHT mitigation

Residence Nil Rate Band, business relief, AIM portfolios, gifting and trusts.

Trust design

Discretionary, bare and loan trusts — explained in plain English, established cleanly.

Lifetime gifting

Annual exemptions, normal-expenditure-out-of-income, and seven-year tapering.

Tax-year-end planning

March crunch sorted in February: ISAs, pensions, CGT, dividend allowances.

  • Coordinated planning across spouse & civil partner allowances
  • Executor briefing service for adult children
  • STEP-qualified Estate Planner on every case
  • Annual review against UK tax-law changes
04
Mortgage & protection

The boring covers that do the most when life gets loud.

A mortgage is the biggest decision most households make. Protection is the unsexiest. We arrange both as a single, coherent piece of work — whole-of-market, fee-only, no insurer kickbacks.

Whole-of-market Residential & BTL CeMAP-qualified

Residential mortgages

First-time buyer, mover, remortgage. Joint borrower sole proprietor structures.

Buy-to-let & portfolio

Personal and Ltd-co lending, portfolio underwriting, holiday-let products.

Life & critical illness

Right cover, right structure, written in trust where appropriate.

Income protection

The cover the industry doesn’t sell hard because it pays out the most.

  • Direct access to specialist & private-bank lenders
  • Single-fee arrangement covers mortgage + all protection
  • Annual rate-review service before fixed periods end
  • Protection trust drafting & beneficiary registration
05
Corporate advisory

Director pensions, EMI, exit — handled as one engagement.

For owner-managers, the boundary between personal wealth and business value is paper-thin. We work alongside your accountant and solicitor to plan director pensions, employee share schemes, business succession and eventual exit — all aligned to one coherent personal plan.

EMI & share schemes SSAS pensions Exit & succession planning

Director pensions

Employer SIPP & SSAS contributions, with property-purchase capability where useful.

EMI & share schemes

Design, valuation, scheme administration and employee communication.

Business protection

Key-person, share-purchase and cross-option agreements with insurer.

Exit planning

Multi-year exit preparation: tax structure, BADR, post-sale wealth deployment.

  • Joined-up advice with your accountant, solicitor & corporate finance team
  • Pre-sale and post-sale personal plan, designed in parallel
  • Family business succession facilitation
  • Long-term incentive plan (LTIP) design
Begin the conversation

Sixty minutes that
could change
the next sixty years.

Your first conversation with us is complimentary, confidential, and entirely without obligation. We’ll listen, ask, and send a short summary of what we heard. That’s it.

Book a free consultation Call +44 (0)20 7123 4567
  • FCA-authorised firm No. 793241
  • No obligation, ever
  • In person, video or telephone
  • Plain-English written summary