Financial advice services
Whole-of-market, independent advice across five core areas — each tailored to your specific situation.
Pensions & Retirement Planning
Retirement should be something you plan for, not something that happens to you. I help individuals consolidate pensions, review retirement income options and structure drawdown plans that make their money work as efficiently as possible.
Who this is for
People who want to understand whether they're on track for the retirement they want — and what needs to change if they're not.
How I help
- Locate and consolidate lost or scattered pension pots
- Review existing pension arrangements for value, charges and suitability
- Identify the right retirement date and income level based on your assets
- Structure pension drawdown for tax efficiency in retirement
- Review death benefit nominations and pension inheritance planning
Tax & Investment Advice
I help clients understand the tax implications of their investments and pension arrangements — identifying where allowances can be used more effectively and where savings could be made, working alongside your accountant or tax adviser where appropriate.
Please note: I am a financial adviser, not an accountant or tax specialist. I can advise on the tax implications of financial planning decisions — such as pension contributions, ISA use, and investment structuring — but I do not provide standalone tax advice or prepare tax returns. Where specialist tax advice is needed, I would recommend working with a qualified accountant or tax adviser, and I am happy to liaise with yours directly.
How I help
- ISA allowance planning — making the most of your annual entitlement
- Pension contribution strategies to reduce income tax
- Capital gains tax planning — managing disposals to use annual exemptions
- The £100,000 adjusted net income trap — restoring the personal allowance
- Dividend income planning for business owners
- Spousal and family planning to use all available allowances
- Tax-efficient investment wrappers (GIAs, SIPPs, ISAs, bonds)
Inheritance Tax Planning
Inheritance tax affects a growing number of estates as house prices rise. A well-structured estate plan can significantly reduce — or in some cases eliminate — your IHT liability, preserving more of your wealth for the people you care about.
Key strategies I advise on
- Understanding your current IHT position and available nil-rate band
- Residence nil-rate band eligibility for homeowners
- Annual gift exemptions and small gift allowances
- Gifts from surplus income — a valuable and often overlooked exemption
- The 7-year rule — planning larger gifts with awareness of taper relief
- Life insurance in trust to cover an anticipated IHT liability
- Trust planning for protecting assets and reducing taxable estate
Estate Planning
Estate planning goes beyond inheritance tax — it's about making sure your wealth passes to the people and causes you care about, in the way you intend, and with as little disruption as possible.
I work with clients to develop a comprehensive estate plan that considers the structure of assets, the use of trusts, gifting strategies, pension nominations, and the role of wills and lasting powers of attorney — working alongside your solicitor where legal arrangements are required.
- Reviewing and structuring asset ownership for estate efficiency
- Pension nomination and expression of wishes review
- Gifting strategies — lifetime gifts, PETs, and annual exemptions
- Trust planning — understanding when trusts may be appropriate
- Co-ordinating with your solicitor on wills and LPAs
- Planning for the long-term care of dependants or family members
Cashflow Analysis
Cashflow modelling creates a visual picture of your financial future — year by year — showing whether your money will last, when you can retire, and how different decisions affect your long-term position.
Unlike traditional advice that focuses on individual products, cashflow planning looks at your complete financial picture and projects it forward across your lifetime.
See how cashflow planning works →Protection
Financial plans depend on assumptions that can be disrupted overnight by illness, injury or death. The right protection arrangements ensure your plans and the people you care for are not derailed when the unexpected happens.
Life Insurance
Provides a tax-free lump sum on death. Can be written in trust to keep proceeds outside your estate.
Critical Illness Cover
Pays a lump sum on diagnosis of serious conditions including cancer, heart attack and stroke.
Income Protection
Replaces a proportion of your income if you are unable to work through illness or injury.
Business Protection
Keyman cover, shareholder protection and loan protection — ensuring business continuity.
Relevant Life Cover
A tax-efficient way for employers to provide life cover, paid for by the business.
Family Income Benefit
Pays a regular monthly income rather than a lump sum on death — often a more practical solution.
Frequently asked questions
Answers to the questions people most often ask before getting in touch.
An independent financial adviser (IFA) can recommend products and solutions from the whole of the market. A restricted adviser is limited to a specific range of products — often those of a single provider or a pre-approved panel. As an IFA, I have no obligation to recommend any particular provider, which means my recommendations are based entirely on what's right for you.
Fees vary depending on the work involved and the complexity of your situation. For one-off advice — such as a pension review or an inheritance tax assessment — I charge a fixed fee agreed upfront before any work begins. For ongoing advisory relationships, an annual fee based on the work carried out applies. The initial 20-minute call is completely free and involves no obligation. Fees will always be explained clearly before you commit to anything.
No. I work with people at different stages of life and across a wide range of financial positions. What matters most is that the advice I give represents good value relative to the benefit it provides. Whether you have a modest pension you want to review or a complex estate planning situation, I am happy to have an initial conversation and give you an honest view on whether and how I can help.
This depends on the nature of the work. A focused review — such as a pension consolidation assessment or an inheritance tax analysis — typically takes two to four weeks from the initial call to written recommendations. More complex planning work, particularly where multiple areas are involved, may take longer. I will always give you a realistic timeline at the start of the process.
Yes. I work with clients across the UK. Many people prefer the independence of working with an adviser who is not tied to a bank or large financial institution, and are happy to engage remotely. Most initial meetings and ongoing reviews take place by video call, which works well for clients based anywhere in the country.
Yes. I am an appointed representative of Fintuity Network Limited, which is authorised and regulated by the Financial Conduct Authority. Fintuity Network Limited FCA No: 814106. You can verify this on the FCA Financial Services Register.
Not sure which service applies to you?
Book a free 20-minute call and we'll work out together what matters most for your situation. No obligation — just a straight conversation with an independent financial adviser.