FAQs

We are based in the City of London and work with clients across the UK.

We help clients organise complex financial lives and make clearer long-term decisions.

Our approach is calm, structured, and relationship-led — combining thoughtful planning, steady guidance, and long-term perspective rather than reacting to short-term noise or market headlines.

No, although many can sound similar on the surface.

The difference is rarely in the products themselves. It is in the quality of thinking, the structure of the advice, and whether the conversation centres on your life rather than simply your portfolio.

Because we believe financial planning works best when relationships are personal, trusted, and built for the long term — centred around you, your family, and the life you want to create.

We have been providing financial advice since 2009. That experience helps us support clients through different market conditions, life stages, and financial decisions over the long term.

We begin with a Clarity Call — a short, no-pressure conversation to understand where you are, what matters, and whether it makes sense to proceed. Often, the biggest relief is simply knowing where you stand.

If you decide to proceed, our fixed-fee financial plans typically cost £2,500.

You decide how to proceed; some clients implement recommendations themselves, but most ask us to take responsibility for putting their plan in place and managing it over time. In this instance:

1. We analyse everything properly
2. We design a clear, written plan
3. We implement it carefully
4. We review and adjust — calmly, year after year

We always explain all options clearly before any decisions are made.

Typically once or twice a year for formal reviews, with additional contact as needed. We aim to be proactive, not reactive—so you will always hear from us before issues become problems.

We design the strategy, risk profile, and long-term plan. Day-to-day investment management is delivered using high-quality discretionary managers and evidence-based portfolios, with ongoing oversight from us. In the end, you get professional depth and personal accountability.

Long-term, disciplined, diversified. Markets rise, fall, wobble, and recover like they always have. Our job is not to predict headlines, but to build resilience and keep you invested through cycles.

Yes, where needed, and always thoughtfully.

Part of our role is to bring an objective view. That may mean pointing out where something is not working as well as it could, where a risk is being overlooked, or where a decision needs more care.

You are not paying us to agree with everything. You are paying us to think clearly on your behalf.

We will tell you; after all, the right fit matters to us as much as it matters to you.

We would rather have an honest conversation at the outset than try to force a relationship that is not right. Good financial planning relies on trust, openness. and a shared long-term mindset.

Usually, it is some version of:

“I feel more in control.”
“I wish I had done this sooner.”
“I sleep better.”

That is often the real value of financial planning. Not simply numbers on a page, but the relief that comes from having things properly organised and thought through.

That is often when it is most valuable. Good planning is not about reacting to problems; it is about structuring things properly before they arise.

You can, in the same way you can service your own car, argue your own tax case, or diagnose your own health.

Many of our clients could manage parts of their finances themselves. What they often lack is time, objectivity, and a calm second perspective when decisions feel complex or markets become unsettled.

Good financial planning is not about intelligence. It is about judgement, structure, and making good decisions under pressure.

There is never a perfect time to invest.

Waiting for complete certainty often means waiting indefinitely, and that can be costly. Long-term investing rewards patience and discipline, not prediction.

Our role is not to guess the perfect moment. It is to help you make thoughtful decisions that are right for your plan and sensible over time.

They will, from time to time. That is part of investing.

Market falls are uncomfortable, but they are not unusual, and they are not a reason to abandon a well-structured plan. The greater risk is often reacting emotionally at the wrong moment.

Our role is to help you stay grounded, think clearly, and avoid making decisions that damage long-term outcomes.

Yes. Meetings can take place either face-to-face or by video call, and many clients choose a mixture of both depending on what works best for them.

Face-to-face meetings are held at our office, based in the City of London:

5th Floor, Senator House
85 Queen Victoria Street
London
EC4V 4AB

Yes. You can read client reviews and watch video testimonials throughout our website. We also use platforms such as VouchedFor and Google so prospective clients can view independent feedback from people we have worked with.

We are based in London and regularly work with clients across Surrey, Hampshire, and the wider South East, as well as clients throughout the UK.

You can arrange an initial meeting by submitting a website enquiry, emailing us, or calling the office directly. We will confirm a suitable date and explain what to expect from the first conversation.

You do not need to bring anything to the first meeting. The initial discussion is focused on understanding your situation, goals, and any questions you may have around financial planning.

The first meeting is intended to be relaxed and informal. We will discuss your current situation, future plans, priorities, and any areas where you may want advice or clarity.

It is also an opportunity for you to ask questions and understand how we work before deciding whether to proceed further.

Most initial meetings take around one hour.

No.

Some clients engage us purely for planning. Others ask us to implement and manage the strategy. We will explain both options clearly so you can decide what feels right for you.

All clients have contact with more than one member of the team, so there will always be someone available who understands your situation and can help if needed.

Yes. Cashflow forecasting is a core part of our planning process and helps clients understand how financial decisions may affect their future lifestyle, retirement plans, and long-term goals.

If your circumstances change, we encourage you to let us know as soon as possible so we can review your plans and help you adapt accordingly.

Yes. With your permission, we regularly work alongside accountants, solicitors, and other professional advisers to help ensure joined-up financial planning.

Yes. We are happy to work alongside your mortgage adviser and provide relevant information where appropriate to support the process.

Our approach is team-based rather than reliant on a single individual, so clients always have continuity and support from more than one adviser within the business.

Yes. We can show examples of the type of financial planning work we produce during the initial meeting process.

Yes. Clients are able to view their investments online through secure client access.

Yes. You can access this via the portal section of our website.

Yes. We use detailed cashflow modelling to answer when you can retire, how much you can spend, and how sustainable that plan is over time.

Absolutely. Many clients come to us when wealth starts to span generations. We help structure assets, gifts, and planning so money supports the family, rather than becoming a burden or a tax problem.

Yes. Mortgage advice forms part of our wider financial planning approach where appropriate.

Yes. Personal pension advice forms part of our wider financial planning service.

Yes.

Yes. We regularly help clients review and consolidate pensions where appropriate.

Yes. We help clients structure pension withdrawals carefully and tax-efficiently as part of their wider financial plan.

Yes. We can incorporate ethical, sustainable, or responsible investment preferences into your investment strategy where appropriate.

Yes. We can help you make thoughtful long-term decisions following an inheritance, including planning around tax, investments, and future financial priorities.

Yes.

Yes. Estate and inheritance tax planning are important parts of long-term financial planning for many clients.

Yes. We advise on ISAs and wider investment planning as part of an integrated long-term strategy.

Yes. Protection planning forms part of ensuring wider financial security and resilience.

If you ask us to implement your plan, a fee applies based on a sliding scale, reflecting the size and complexity of the work.

As a guide, this typically ranges from 1.0% to 3.0% of assets arranged. All costs are agreed in advance.

Primarily through transparent, ongoing advice fees agreed in advance. Where product charges apply, these are fully disclosed.

No. Some clients engage us purely for planning, while others ask us to implement and manage the strategy. We will explain both options clearly.

We don’t publish a hard minimum, but our service is best suited to clients with complexity to solve, not just products to buy. If we’re not right for you, we’ll tell you.

Where ongoing advice is appropriate, fees typically start at around 1.0% per annum, reducing for larger portfolios. This covers ongoing planning, reviews and portfolio oversight.

We encourage clients to consider the overall cost of planning, implementation, and ongoing advice together.

Before proceeding, you will always see the full cost clearly so you can make an informed decision.

Because financial planning is not static.

Markets move, tax rules change, families evolve, and priorities shift over time. A plan that is left untouched can gradually become less relevant.

Ongoing advice helps keep things aligned, reviewed, and adjusted when needed, so your planning continues to support the life you are actually living.

Because that would be neither realistic nor responsible.

Returns come from markets over time. The value of good financial planning comes from helping you avoid poor decisions, structure things properly, manage tax thoughtfully, and keep the bigger picture in view.

What matters most is not making dramatic promises. It is helping you make better decisions consistently over time.

A standalone financial plan typically starts from £2,500.

This covers research, analysis, cashflow modelling, and clear recommendations tailored to your circumstances.

We do not make product recommendations until the planning process is complete.

You can view more detail about our fees and charging structure on the Fees section of the website.

We typically work with individuals and families with £500,000 to £2.5 million+ of investable assets.

We provide structured financial planning.

That means bringing pensions, investments, tax planning, protection, and future goals into one clear long-term strategy — helping clients make important decisions with greater clarity and confidence.

We work with individuals and families with £500,000 to £2.5 million+ of investable assets.

If your finances are becoming complex—and you want them properly structured rather than loosely managed—you are likely a good fit.

If you are earlier in your journey, we are probably not the right firm for you right now.

No. It is for people whose financial lives have become more complex and whose decisions carry more weight.

Clients do not usually come to us because of status. They come because they are busy, because money matters more than it once did, and because mistakes could now be expensive.

Yes. We help clients understand what would need to happen financially to make early retirement realistic and sustainable.

Yes. We use detailed cashflow modelling to help answer questions such as:

• when you may be able to retire,
• how much you can spend,
• and how sustainable that plan may be over time.

Yes. We also work with younger professionals and family members who are building long-term financial foundations.

Yes.

Yes.

Yes.

Yes.

Yes. We understand these situations can feel overwhelming and we work at a pace that feels comfortable and manageable.

Yes. Many of our clients are successful professionals, business owners, or individuals approaching significant financial transitions.

No. Our advice services are focused on UK residents.

Yes. Many clients come to us with existing arrangements that we review as part of wider financial planning.

We typically work with clients who have £500,000 or more in pensions and investments, although this can vary depending on circumstances.

We are classified as Restricted for regulatory purposes.

In practice, our advice is driven by independent thinking; we assess your situation objectively, challenge assumptions where needed, and recommend what we believe is right.

You can check our FCA registration and authorisation using the FCA register. Our profile can be found here.

Our FCA registration number is 522409. You can use this number to find us on the Financial Services Register here.

We believe good relationships are built on openness, accountability, and clear communication.

If something has not met your expectations, we encourage you to tell us as soon as possible so we can put things right quickly and fairly. We take complaints seriously and follow a clear formal process where needed.

If you have a complaint about your adviser, or any financial advice you have received from your adviser, please contact us:

Quilter Financial Planning Complaints Department, Sunderland, SR43 4JR

Email: QFPcomplaints@quilter.com

Tel: 0808 171 2626

You can find more information by visiting the Quilter Financial Planning website: http://www.quilterfinancialplanning.co.uk/contacts/

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (www.financial-ombudsman.org.uk)

Protecting your personal information is an important part of the trust clients place in us.

We use secure systems, encrypted technology, and carefully controlled processes to help keep your information safe and confidential. We also work with trusted professional providers who meet appropriate security and regulatory standards.

Your information is only used where necessary to provide advice and ongoing service, and we never share it inappropriately.

For more information, you can read our Privacy Policy at the bottom of this page.

Yes. We hold appropriate professional indemnity insurance as required by the FCA.

You can search for us on the Financial Services Register here, or by using our FCA registration number: 522409.

Yes. We share client reviews, testimonials, and selected examples throughout the website where appropriate.

We regularly gather feedback through client surveys and ongoing client conversations.

Yes.