Business Details
27 Years
experience
Trusted Financial Advisers in Bristol | Moneo Wealth Management
Established in 1999, Moneo Wealth Management has built a reputation for delivering independent, expert financial planning tailored to individual aspirations. Our approach begins with understanding clients' complete financial landscapes and life goals, whether planning for retirement, acquiring property, or supporting family. We create bespoke financial strategies grounded in rigorous research and practical wisdom, ensuring clients maintain focus on their long-term objectives. Holding Chartered Financial Planner status from the Chartered Insurance Institute (CII), we demonstrate commitment to professional excellence and ethical conduct.Our Moneo Life Plan provides detailed projections of future income and expenditure, offering clarity and confidence in financial decisions. Client testimonials highlight trust in our expertise, with 97.22% of clients recommending our services. We prioritise transparency, personalised advice, and continuous professional development to help clients maximise their 'return on life'.
Services
Financial Planning
Retirement Advice
Investment Management
Tax Efficiency Strategies
Estate Planning
Details
- Year established: 1999
Highlights and features
- We hold Chartered Financial Planner status, the industry's highest professional accreditation
- Our Moneo Life Plan provides detailed, actionable financial projections tailored to individual goals
- 97.22% of clients would recommend our services based on independent satisfaction surveys
- 20+ years of experience delivering personalised financial strategies for complex life scenarios
- We specialise in ethical investment approaches aligned with client values and preferences
Associations and certifications
- Chartered Insurance Institute (CII)
What people say
Peace of mind
Exceptional results
Personalised advice
Excellent service
Highly recommend
Services
Financial Planning
We create comprehensive financial strategies tailored to individual life goals. Our Moneo Life Plan models future income and expenditure scenarios for retirement, property purchases, and family support. Using rigorous academic research and cash flow projections, we help clients make informed decisions while maintaining focus on long-term objectives. This service ensures financial clarity and confidence in wealth management.
Retirement Advice
Specialist guidance for retirement preparation and income optimisation. We develop strategies for sustainable retirement income, tax-efficient withdrawals, and inheritance planning. Our approach considers changing circumstances through regular reviews, ensuring clients maintain financial independence. We address complex scenarios including business succession and multi-generational wealth transfer while prioritising risk-appropriate investment strategies.
Investment Management
Customised investment strategies aligned with individual risk profiles and financial goals. We implement diversified, low-cost investment approaches with regular performance monitoring. Our service includes ethical investment options and tax-efficient structures. Clients benefit from proactive portfolio adjustments in response to market changes while maintaining long-term strategic focus on wealth growth and preservation.
Tax Efficiency Strategies
Specialist advice on minimising tax liabilities across income, capital gains, and inheritance taxes. We develop strategies for tax-efficient asset structuring, pension contributions, and intergenerational wealth transfer. Our approach considers evolving tax legislation to ensure compliance while maximising after-tax returns. We provide detailed scenario analysis to help clients make informed decisions about tax-advantaged investment vehicles.
Estate Planning
Comprehensive planning for wealth succession and inheritance protection. We coordinate wills, trusts, and tax mitigation strategies to ensure smooth asset transfer to beneficiaries. Our service addresses complex family situations and charitable giving intentions. We work with legal professionals to create robust estate plans that reflect clients' wishes while minimising inheritance tax liabilities through strategic gifting and trust structures.
People
Ken Simmonds
Chartered Financial Planner
Qualified investment and retirement planning specialist with Advanced Financial Planning Certificate. Holds Chartered Financial Planner status from CII. Provides independent financial advice since 1999, specialising in cash flow modelling and ethical investments. Maintains commitment to continuous professional development and client-centric service.
Questions
What financial planning services do you offer?
We provide comprehensive financial planning including retirement strategies, investment management, tax efficiency planning, and estate planning through our bespoke Moneo Life Plan process.
How are your financial planning fees structured?
Our fee structure combines transparent fixed fees for specific services and ongoing advice charges based on the complexity of your financial situation and required service level.
What qualifications do your advisers hold?
Our advisers hold advanced financial planning qualifications including Chartered Financial Planner status from the Chartered Insurance Institute (CII).
How often do you review financial plans?
We conduct formal annual reviews with interim check-ins as needed, plus ad-hoc consultations for significant life changes or market events.
Can you help with ethical investment choices?
Yes, we specialise in creating ethical investment portfolios aligned with client values while maintaining appropriate risk-return profiles and diversification.
What areas do you cover?
Primarily serving Bristol and the South West, we also work with clients across the UK through remote consultations and digital communication tools.
