Most clients we work with have built up pensions, savings and investments over time, but we look at each situation on its own merits rather than a number on a form. The discovery call is the best way to find out where you stand, and we'll always be straightforward about whether we're the right fit. If we’re unable to help, we'll happily provide you with any guidance we can and point you in the right direction.

No we are fully independent, so we can focus on getting the best outcomes for clients. Our recommendations are driven by what fits your circumstances, never by commission, and we'll always show you the reasoning. Fair value is one of our founding principles, and we're happy to be judged on it.

You book a free discovery call and talk to one of us, usually for half an hour or so. We ask about your situation and explain the services we offer, charges and advice process. If it makes sense to go further, we'll explain exactly what happens next. If it doesn't, no hard feelings, and no follow-up calls at dinner time.

Examples of our fees are published on our fees page. Before you commit to anything, you'll have a personal quote in pounds and pence.

No, we’ll review what you have and only recommend changes where it makes sense. Some arrangements are worth keeping, and when this is the case, we’ll say so.