Our Services and Investment
We've structured our services to address the most common financial challenges facing Manchester residents. Each offering focuses on specific areas where professional guidance creates meaningful impact.
Pricing reflects the complexity and time investment required for thorough analysis and implementation. All fees are fixed and agreed upon before work begins. No hourly surprises. No hidden charges.
Personal Financial Planning
£850.00
This foundational service provides comprehensive analysis of your current financial situation and develops a roadmap for achieving your goals. We review income, expenses, assets, liabilities, and existing financial arrangements.
The process includes identifying inefficiencies, highlighting opportunities, and creating actionable recommendations. You'll receive a detailed report outlining specific steps to improve your financial position.
This service suits individuals or couples seeking clarity about their overall financial picture. Perhaps you've accumulated various accounts and investments over the years without a coherent strategy. Or you're experiencing a major life transition—new job, marriage, divorce, inheritance—that requires financial reassessment.
We examine debt management, emergency fund adequacy, insurance coverage, and basic estate planning considerations. The goal is establishing solid financial foundations before exploring more sophisticated strategies.
Investment Advisory
£1,275.00
Investment markets intimidate many people, yet building wealth typically requires accepting some market exposure. This service helps you navigate that challenge with appropriate risk management.
We assess your risk tolerance, investment timeline, and financial capacity to handle market volatility. Based on this analysis, we develop portfolio recommendations aligned with your specific circumstances.
This might involve restructuring existing investments, identifying tax-efficient investment vehicles, or establishing disciplined contribution strategies. We explain investment options clearly, avoiding jargon while ensuring you understand the underlying concepts.
Our approach emphasizes diversification, cost-efficiency, and long-term thinking over market timing or speculative strategies. We focus on building portfolios that help you sleep at night while pursuing reasonable returns.
This service benefits those with existing investments requiring professional review, as well as individuals ready to begin investing but uncertain where to start. We work with various investment sizes, from modest beginnings to substantial portfolios.
Retirement Planning
£1,450.00
Retirement planning extends beyond simply saving money. It requires projecting future needs, optimizing pension contributions, understanding withdrawal strategies, and coordinating multiple income sources.
We help you determine realistic retirement timelines based on your desired lifestyle and financial trajectory. This involves detailed cash flow projections, pension analysis, and consideration of state benefits you might receive.
The service addresses questions like: How much income will you need? What's the optimal contribution strategy? Should you consolidate old pensions? When should you claim state pension? How do you structure withdrawals tax-efficiently?
We also explore scenarios—what if you retire earlier than planned? What if you live longer than expected? What if market returns disappoint? Stress-testing your retirement plan reveals vulnerabilities before they become problems.
This service suits those within 15 years of retirement, though earlier planning often proves beneficial. The closer you are to retirement, the more critical precise planning becomes.
Tax Optimization
£975.00
Most people pay more tax than legally necessary. Tax regulations offer numerous allowances, reliefs, and planning opportunities that go unused simply because people don't know they exist.
This service involves thorough review of your income sources, investment holdings, and financial structure to identify tax-saving opportunities. We examine pension contributions, ISA utilization, capital gains management, and income splitting strategies where applicable.
Tax optimization isn't about aggressive schemes or risky arrangements. It's about using legitimate provisions within the tax code to reduce your liability. Every pound saved in taxes is a pound available for other financial goals.
We stay current with tax law changes, which occur regularly. Allowances shift. Rates adjust. New provisions emerge. Annual reviews ensure you're not missing opportunities created by regulatory changes.
This service particularly benefits higher earners, business owners, property investors, and anyone with complex income structures. Even straightforward situations often reveal overlooked savings opportunities.
Wealth Management
£2,100.00
Comprehensive wealth management integrates all aspects of your financial life into a coordinated strategy. This service combines elements of our other offerings into ongoing, holistic guidance.
We handle investment management, tax planning, retirement preparation, estate considerations, and insurance review within a unified framework. This prevents different financial areas from working at cross-purposes.
The service includes regular portfolio monitoring, proactive tax planning throughout the year, and immediate guidance when financial questions arise. You'll have direct access to discuss opportunities or concerns as they emerge.
We coordinate with your accountant, solicitor, or other professional advisors to ensure everyone works from the same playbook. This coordination often reveals planning opportunities that siloed advisors miss.
Wealth management suits individuals or families with substantial assets, complex financial situations, or those who prefer ongoing professional oversight rather than periodic consultations. Initial fee covers comprehensive planning; ongoing arrangements are discussed based on complexity.
Business Financial Consulting
£1,850.00
Business owners face unique financial challenges that personal finance strategies don't address. How should you structure compensation? When does dividend distribution make sense versus salary? How do you plan business succession?
This service focuses on the intersection between your business and personal finances. We help optimize how you extract value from your business while managing tax efficiency and maintaining operational flexibility.
We also address business-specific considerations like key person insurance, shareholder agreements, exit planning, and transitioning ownership. These issues require specialized knowledge beyond general financial planning.
The service includes analysis of current business financial structure, identification of inefficiencies, and recommendations for improvement. We work with your accountant to implement changes smoothly.
This suits sole traders, partnership members, and small business owners looking to maximize the financial benefit of their business ownership while planning for long-term transitions.
How Pricing Works
Listed prices represent initial consultation and planning fees. They cover thorough analysis, strategy development, and detailed recommendations. Implementation assistance is included for straightforward situations.
Particularly complex circumstances might require additional work, which we discuss and agree upon before proceeding. You'll never receive unexpected charges.
For ongoing services like wealth management, we establish annual arrangements based on portfolio size and complexity. These are transparent, agreed in advance, and reviewed regularly.
Combining Services
Many clients benefit from multiple services. Someone seeking retirement planning might also need tax optimization. Investment advisory often pairs well with personal financial planning.
We can structure combined engagements that address multiple needs efficiently. This typically reduces overall cost compared to purchasing services separately, while ensuring different areas of your finances work together cohesively.
What Happens Next
Choosing a service begins with an initial conversation. We discuss your situation, clarify which services address your needs, and outline what to expect from the engagement.
If we proceed, you'll receive a formal agreement detailing the scope, deliverables, timeline, and fees. Work begins once you're comfortable with the arrangement.
Throughout the process, you'll have regular contact with your advisor. We believe in frequent communication, especially during initial planning phases. You should never wonder what's happening or where things stand.