Summary
Independent Financial Planning & Advice
I provide tailored financial advice to help individuals and families build, grow, and protect their wealth at every life stage—from first savings to legacy planning.
Investment & Wealth Management
I deliver independent, evidence-based investment strategies across ISAs, pensions, VCTs, EISs, and diversified portfolios. Whether your goals are growth, income, or preservation, I align your plan accordingly.
Retirement Planning
Whether you're preparing early or ready to retire now, I help you understand your pension options, optimise your drawdown strategy, and plan confidently to live the life you want after work.
Pensions & Transfers
I advise on defined contribution and can review final salary (DB) schemes, pensions on divorce, and consolidations - always with a focus on suitability, value, and long-term outcomes.
Inheritance & Estate Planning
I help you structure your estate to reduce inheritance tax, use trusts where appropriate, and ensure your wealth is passed on efficiently and in line with your wishes.
Protection & Insurance
I advise on personal and business protection—including income protection, critical illness, life cover, and private medical insurance—so you're covered when life takes an unexpected turn.
Tax Planning & Allowances
I work with individuals and business owners to make the most of personal and corporate tax allowances, utilising tax-efficient wrappers and smart structuring.
Corporate Services
For business owners and directors, I provide advice on director pensions, key person protection, shareholder cover, and employee benefit schemes—helping you protect and grow your business.
Cashflow Modelling
I use detailed cashflow modelling to show you how today’s decisions shape tomorrow’s finances. This brings clarity to retirement, gifting, care planning, and more.