Independent since 1998
Advice you could explain to your family
Fee-only financial planning for people who would rather understand the plan than be impressed by it.
Regulated by the Financial Conduct Authority · No commission, ever
28 years
advising the same families
£410m
under advice
0%
commission taken
4.9/5
client review score
What we do
Six ways we help
Most clients start with one and end up with a plan that covers all six.
Retirement planning
What you can spend, when you can stop, and what happens if markets misbehave.
Investment management
Low-cost, globally diversified portfolios rebalanced on a schedule, not a hunch.
Protection
The cover you actually need, and an honest word about the cover you do not.
Business owners
Extracting profit, funding an exit and keeping the tax bill defensible.
Estate planning
Wills, trusts and the conversations families keep postponing.
Cashflow modelling
One picture of your money for the next thirty years, updated every year.
How it works
Four steps, and you can stop after any of them
Nothing is charged until you have seen the plan and agreed to it in writing.
01
A conversation
An hour on the phone or in the office, at our cost. You describe what you are worried about; we tell you honestly whether we can help.
02
A written plan
Where you stand today, what you want, and the gap between the two — in a document your family could read without us in the room.
03
Putting it in place
We do the paperwork, the transfers and the chasing. You sign things and otherwise get on with your life.
04
A review every year
Markets move, tax rules change and so do you. We meet each year and adjust, or confirm that nothing needs adjusting.
The team
Three people, and you will deal with all of them
No call centre, and no account manager who leaves every eighteen months.
Helen Ashworth
Chartered Financial Planner · FCII, CFP
Twenty-eight years advising families through retirement, divorce and inheritance. Founded the firm in 2009.
Idris Mahmood
Financial Planner · DipPFS
Specialises in company directors and the awkward business of extracting money from your own company sensibly.
Sarah Whitcombe
Paraplanner · DipPFS
Writes the plans, models the scenarios and finds the pension nobody remembered they had.
Questions
The four we are asked most
Are you actually independent?
Yes. We are independent financial advisers, which is a defined term: we consider the whole of the market and we take no commission from any provider. Our only income is the fee you pay us.
Is there a minimum I need to invest?
For ongoing advice, around £150,000 — below that our percentage fee is poor value for you, and we will say so. One-off planning work has no minimum at all.
Who actually holds my money?
Never us. Your money sits with the platform or provider in your own name, and we only ever have permission to advise on it. You can see every account yourself, at any time.
What if I want to leave?
You give us a month's notice, we hand everything over to your new adviser, and there is no exit charge. Your investments stay exactly where they are.
Talk to us
The first conversation costs nothing
An hour, on the phone or at the office on Rodney Street, with whichever of us is the right fit. If we are not the right firm for you we will say so, and where we can we will tell you who is.
Office
14 Rodney Street, Liverpool L1 2TE
Telephone
0151 555 0188, 9:00–17:00 weekdays
Regulation
Authorised and regulated by the Financial Conduct Authority, firm reference 000000.
Request a callback
The quickest way to reach us is email — we answer within two working days.
Risk warning
The value of investments can fall as well as rise and you may get back less than you invested. Past performance is not a guide to future returns. Tax treatment depends on individual circumstances and may change. This page is a placeholder — replace it with your own regulated wording before publishing.