Independent financial planning that stays with you throughout your life
Independent advice on pensions, investments, inheritance tax and the new 2027 rules, for individuals, families and business owners across the UK.
Advice built around you, not products
Your finances are personal. Behind every financial decision is your family, your ambitions, your business, your priorities and the future you are working hard to create.
That is why we start by understanding you — what matters most and what you want to achieve — before we ever consider solutions.
We take the time to listen, explain complex financial matters in plain English and help you make confident decisions without pressure, unnecessary jargon or advice that is not relevant to you.
Whether you are taking your first financial steps, planning for retirement, building your wealth, growing your business, protecting your family or passing on your legacy, we work alongside you as a long-term partner, adapting your financial plan as your life changes.
Technology helps us deliver an efficient service, but it will never replace personal relationships. You will always have access to experienced advisers who take the time to understand your circumstances and provide advice based on your goals.
Because when your adviser understands your life, they can help you make better financial decisions.
Helping you build, protect and transfer wealth with confidence.
Financial planning that fits your stage of life
The questions that matter at 32 are different from those at 52, and different again at 67. Find the stage that fits and see how we can help.
Young Professionals
Starting your career. Building the foundations that compound over the next 30 years.
Explore →Planning in Your 30s & 40s
You have the accounts. The next step is joining them into a plan that goes somewhere.
Explore →Mid-Life Planning
The decisions between 45 and 60 shape everything that follows. This is when they matter most.
Explore →Business Owners
Pension strategy, exit planning and turning business wealth into lasting personal wealth.
Explore →Approaching Retirement
Retirement is not a date. The years before you stop working are the most important for getting the numbers right.
Explore →In Retirement
Income, care costs, inheritance. The plan needs to work for the rest of your life.
Explore →Leaving a Legacy
Estate planning, inheritance tax and making sure what you have built reaches the right people.
Explore →Not sure which fits? Browse all life stages or book a free conversation.
Independent advice that stays with you throughout your life
Financial planning isn't a one-off transaction. Your life changes. Your finances change. Your plan should change too. That's why you'll work with the same adviser over the long term, someone who knows your full picture, not just the last meeting.
Backed by the strength of a national firm
Through our parent firm, Insight Financial Associates
One adviser. One relationship. Throughout your life.
You will meet your adviser at the first conversation and work with the same person throughout, someone who knows your full financial picture, your goals, and your family. Not a call centre. Not a rotating team. One adviser who stays with you.
Peter Rose
Chartered Financial Planner & Pensions Specialist
Over 50 years' experience advising private clients, families and business owners. Peter focuses particularly on the transition into retirement and the years that follow, and leads our work on the 2027 pension and inheritance tax changes.
Book a conversation with PeterDaniel Cottam
Financial Planner
Over 20 years' experience. Daniel specialises in wealth management, financial planning, cash flow modelling and intergenerational estate planning for individuals, families and business owners.
Book a conversation with DanielMake better financial decisions with confidence
At the heart of everything is financial planning, bringing every part of your finances together into one clear plan, built around your life and your goals. Not a product sale. A plan that evolves as your life does.
For individuals and families
Know when you can retire
Make sense of the pensions you have, plan what you will need, and build the confidence to choose when to stop.
Learn morePass on more of what you've built
Reduce what goes to HMRC and increase what reaches your family. Plain-English advice on the Finance Act 2026 changes.
Learn moreFinancial security in later life
Sustainable income, care planning and estate transition, so your later years are lived on your terms.
Learn moreGrow and protect your wealth
A portfolio built around your goals, your timescale, and your real tolerance for risk, not a generic model.
Learn moreKnow where you're heading
Model whether your money will last, and understand how today's decisions play out over the decades ahead.
Learn moreProtect your family if the worst happens
The right cover in place so your family stays financially secure if life takes an unexpected turn.
Learn moreFor business owners
Director & Owner Advisory
Personal and business finances planned together, from how you take income through to how you eventually step back.
Learn moreBusiness Protection
Key person cover, shareholder protection and the policies that keep a business resilient if something goes wrong.
Learn moreAetas Performance
Financial wellbeing for your team, treated as a business performance intervention rather than an HR benefit.
Learn moreNot sure where to start?
You don't need to know what type of advice you need. Most clients begin with a conversation about what's happening in their lives, whether that's approaching retirement, selling a business, receiving an inheritance or simply wanting greater confidence about the future.
The first conversation is free. We'll listen, ask the right questions, and help you work out what, if anything, needs to happen next. No obligation, no products discussed, no charge.
Recent client work
Real examples of the situations we work through. Names and identifying details have been changed, but the situations, the planning and the outcomes are real.
A couple in their late 50s, retiring with confidence
Three pensions from past jobs, no clear picture, and a dawning sense that they had no idea whether retirement at 60 was actually realistic.
Read the case study Director and owner advisoryA business owner planning the right exit
Five years out from selling the business, no real personal financial plan in place, and a growing concern about how much of the proceeds would actually reach the family.
Read the case study Later Life PlanningBringing clarity after an inheritance
A widow in her early 70s with a complicated mix of inherited investments, no clear income strategy, and a strong sense that the existing arrangements were not built for her.
Read the case studyTake the first step towards a clearer financial future
The first conversation is free. We'll listen, understand your situation, and give you an honest view of how we can help, with no obligation to proceed.
Book a meetingA 30-minute call, video or in person. Free and no obligation.
A specialist financial planning partner for your clients
We work alongside private client solicitors, accountants, professional trustees and corporate finance advisers across the UK, on matters where coordinated tax, legal and financial input is needed.