Business Details
Award-Winning Financial Advisers in Bath
We are a team of award-winning chartered financial planners dedicated to providing independent, personalized financial advice. With over a decade of experience, we specialise in retirement planning, investment strategies, tax efficiency, and legacy planning, serving clients across the UK. Our approach prioritises understanding each client's unique circumstances to create tailored financial solutions. Recognised for excellence through multiple industry awards, we maintain transparency in our fee structure and ethical practices.Our collaborative approach often involves working alongside accountants and solicitors to ensure comprehensive financial planning. As an appointed representative of The Whitechurch Network Limited, we operate under FCA regulation, upholding the highest professional standards.
Services
Retirement Planning
Investment Management
Tax Efficiency
Legacy Planning
Protection Strategies
Highlights and features
- We offer bespoke financial planning tailored to individual client needs
- Our team holds Chartered Financial Planner status - the industry gold standard
- Transparent fee structure with clear pricing options
- Collaborative approach working with accountants and solicitors
- Award-winning expertise with proven client outcomes
Associations and certifications
- Chartered Financial Planner
- Financial Conduct Authority
- The Whitechurch Network Limited
What people say
First-rate service
Tailored financial plan
Exceptional expertise
Long-term trust
Excellent training
Services
Retirement Planning
We create comprehensive retirement strategies using occupational and personal pensions. Our approach considers changing legislation, tax advantages, and flexible access options. We help clients determine optimal pension drawdown strategies while ensuring financial security throughout retirement.
Investment Management
Our investment strategies combine equities, corporate bonds, and property investments. We focus on risk management, inflation protection, and portfolio diversification tailored to individual risk profiles and financial goals across different life stages.
Tax Efficiency
We optimise tax positions through ISAs, pension contributions, venture capital trusts, and enterprise investment schemes. Our strategies consider both personal and spousal tax situations to maximise after-tax returns and minimise liabilities.
Legacy Planning
We develop strategies to preserve wealth for future generations using will structuring, trusts, and tax-efficient asset distribution. Our approach considers changing legislation and the optimal order for using retirement assets to minimise inheritance tax.
Protection Strategies
We implement life assurance, critical illness cover, and income protection policies. Our approach ensures financial security against unforeseen events while balancing protection needs with investment growth objectives.
People
Jonothan McColgan
Chartered Financial Planner
Award-winning chartered financial planner with over 15 years' experience. Recognised as UK Financial Adviser of the Year, providing expert guidance to high-net-worth individuals and businesses. Regular contributor to national financial publications.
Questions
What financial services do you specialise in?
We specialise in retirement planning, investment management, tax efficiency strategies, legacy planning, and protection solutions tailored to individual client needs.
How are your advisory fees structured?
Our fees include an initial planning charge (1.5% of funds under management) and annual advisory fees (1% of funds), with transparent pricing and VAT disclosure.
Are you regulated by financial authorities?
Yes, we operate under FCA regulation as an appointed representative of The Whitechurch Network Limited, maintaining strict compliance standards.
How do you personalise financial plans?
We conduct detailed consultations to understand client goals, risk tolerance, and circumstances, creating bespoke strategies that evolve with changing needs.
What areas do you serve?
While based in Bath, we serve clients across the UK including Bristol, Gloucestershire, Wiltshire, and Shropshire, with some international clients.
