Business Details
Independent Financial Planning Services in Plymouth
Established as a local chartered financial services company, we specialise in providing independent, tailored financial advice to individuals and businesses. Our team of highly experienced advisers prioritises client relationships, delivering clear recommendations aligned with short, medium, and long-term financial objectives. With a strong reputation built on referrals from satisfied clients, we focus on understanding each client's unique financial position and aspirations. Our services encompass comprehensive financial planning, pensions, investments, tax efficiency, and retirement strategies.We monitor recommendations regularly to ensure ongoing relevance and adapt to changing circumstances. Authorised and regulated by the Financial Conduct Authority, we maintain rigorous professional standards while offering non-regulated services where appropriate. Our commitment to transparency and client satisfaction is reflected in our structured complaints procedure and eligibility for resolution through the Financial Ombudsman Service. Operating from our Plymouth office, we combine local expertise with national regulatory compliance to serve clients across the region.
Services
Financial Planning
Pensions Advice
Investment Strategies
Tax Efficiency
Retirement Planning
Inheritance Tax
Life Assurance
Income Protection
Highlights and features
- We provide independent, tailored financial advice from FCA-regulated professionals
- Our team includes experienced advisers with professional qualifications like Dip PFS and APFS
- Client relationships are built through 90% referral rate from satisfied customers
- We offer ongoing monitoring of financial recommendations to ensure continued relevance
- Our structured process covers all aspects of financial planning from tax efficiency to retirement
Associations and certifications
- Financial Conduct Authority
What people say
Professional expertise
Personalised approach
Effective solutions
Clear communication
Ongoing support
Services
Financial Planning
We develop comprehensive financial plans tailored to individual circumstances, covering short-term needs and long-term objectives. Our process begins with understanding your current financial position before creating actionable strategies. Regular reviews ensure plans remain aligned with changing life circumstances and market conditions.
Pensions Advice
Our specialists provide guidance on pension arrangements including workplace schemes, personal pensions, and self-invested options. We help maximise retirement income while considering tax implications and lifestyle goals. Regular monitoring ensures pension strategies remain on track to meet retirement objectives.
Investment Strategies
We create diversified investment portfolios aligned with risk tolerance and financial goals. Our approach considers market conditions and long-term growth potential while maintaining appropriate risk controls. Regular performance reviews ensure investments remain aligned with client objectives.
Tax Efficiency
Our experts identify legitimate opportunities to reduce tax liabilities through strategic planning. We focus on income tax, capital gains tax, and inheritance tax considerations within overall financial strategies. Recommendations aim to maximise after-tax returns while maintaining compliance with tax regulations.
Inheritance Tax
We develop strategies to mitigate inheritance tax liabilities while preserving wealth for beneficiaries. Our approach considers lifetime gifting, trusts, and other legitimate planning vehicles. Regular reviews ensure plans remain effective as tax laws and personal circumstances evolve.
People
Jo Spaulding
Managing Director
With extensive experience in financial services, Jo leads our team with a commitment to client-focused advice. She oversees strategic direction while maintaining hands-on client relationships, ensuring consistent delivery of high-quality financial planning solutions.
Alun Pells
Director
Dip PFS qualified, Alun specialises in comprehensive financial planning with particular expertise in retirement strategies. He combines technical knowledge with practical solutions to help clients achieve their long-term financial objectives through tailored advice.
Gareth Hale
Director
As an APFS-qualified professional, Gareth brings specialist knowledge in investment strategies and tax-efficient planning. He works closely with clients to develop robust financial plans that balance growth potential with appropriate risk management.
Andrew Martin
Director
Dip PFS qualified, Andrew focuses on pensions and retirement planning. He helps clients navigate complex pension arrangements while developing strategies to maximise retirement income through structured, compliant approaches.
Darcie Butler
Director
FPFS qualified, Darcie specialises in inheritance tax planning and estate preservation. She develops strategic solutions to protect wealth for future generations while ensuring compliance with evolving tax regulations and personal circumstances.
Questions
Are you regulated financial advisers?
Yes, we are Authorised and Regulated by the Financial Conduct Authority (FCA), ensuring adherence to strict professional standards in our regulated services.
What areas do you cover?
While based in Plymouth, we serve clients across Devon and Cornwall, providing both in-person consultations at our office and remote advisory services.
How do you charge for services?
We offer a free initial consultation. Our charging structure varies by service, with transparent fee arrangements explained before commencing any work.
Can you help with pension transfers?
Yes, our specialists can assess existing pension arrangements and advise on appropriate transfer options as part of comprehensive retirement planning.
How often do you review financial plans?
We recommend regular reviews at least annually, with additional check-ins if significant life changes or major market movements occur.
What happens if I have a complaint?
We take complaints seriously through our formal procedure. If unresolved, eligible complaints can be referred to the Financial Ombudsman Service for independent review.
