Frequently asked questions

We work with business owners, founders, and senior executives, from £1m of investable assets upwards. Most engagements begin at an inflection point whether that be preparing for a sale, structuring an executive package, deploying the proceeds of an exit, or planning the next generation of family wealth. Most clients sit between £2m and £25m of investable assets.

£1m of investable assets. The complexity of the planning we do is sufficient that anything below that threshold is unlikely to be a good fit for our model, we will say so directly during the discovery session if that is the case.

We are not constrained to a panel of in-house funds, platforms, or managers. Our recommendation is determined by your situation and the most appropriate solution available across the whole UK market. We do not earn anything from where your money goes, only from the planning and ongoing advisory work we agree with you upfront in pounds and pence.

The structure is set out in full on the Fees page. In summary: a complimentary discovery session, a fixed-fee financial review report, an implementation fee on assets brought under advice, and a tiered ongoing fee scaled to the size of monitored assets. Every fee is agreed in writing before any chargeable work begins. We charge nothing in commission and earn nothing from where your money goes.

As early as you can. The structural decisions that materially change the after-tax outcome of a sale such as share class, BADR ownership periods, pre-sale pension funding, trust and Family Investment Company structures, pre-transaction gifts, depend on lead time. Eighteen months before completion is workable, three to five years before is materially better. Engaging once a transaction is in motion limits the planning to the smaller subset of decisions still genuinely available.

No. Complex financial planning is genuinely a multi-disciplinary exercise. We coordinate alongside your tax adviser, corporate finance team, and legal counsel, and bring in specialists where we do not have the relevant capability internally. Most successful engagements involve four or five professional advisers in a coordinated relationship, not one firm trying to do everything.

Typically once or twice a year for a structured plan review, with shorter check-ins around tax year ends, allowance deadlines, and any material event. Most engagements operate on a defined annual cycle so the structural decisions get made on time rather than missed. Beyond the scheduled cycle, the line is open whenever something needs attention.

The initial financial review report typically takes four to six weeks from the first conversation through to delivery of the written plan. From there, ongoing planning sits inside an annual cycle of structured reviews and ad hoc work as circumstances require.

Yes, in many cases. We have clients who came to us specifically because their existing investment management relationship was working well but the planning around it was not. We are happy to act as the financial planner sitting alongside an existing DFM or platform relationship. Our independence works in both directions, we are not commercially incentivised to consolidate everything onto a single provider.

A thirty-minute conversation, in person or by video, to understand your situation and whether independent advice is likely to add value. There is no obligation on either side and no chargeable work. If the fit is right, we set out next steps, if not, we will say so directly.