Business Details
25 Years
experience
Independent Financial Advisers in Weybridge
Founded in 2001, Accumulus Consulting has built a reputation for delivering client-centric financial advice rooted in integrity and expertise. Our team of advisers collectively brings over 70 years of experience in pensions, investments, mortgages, and protection, offering independent analysis across the entire market to identify tailored solutions. We prioritise long-term client relationships, maintaining a flexible working environment that supports work-life balance for our team while adhering to strict regulatory standards. Our commitment to responsible investing and community engagement through partnerships like The Knights Foundation underscores our holistic approach to financial advisory services. 
Services
Financial planning
Mortgage advice
Pension solutions
Investment management
Protection insurance
Later life planning
Commercial finance
ESG investing
Details
- Year established: 2001
Highlights and features
- We have over 20 years of experience in independent financial advisory services
- Our team holds advanced professional qualifications including CFP and Chartered Wealth Manager
- We operate with full transparency and no hidden fees
- Our team consists of certified experts with extensive market knowledge
- We provide 100% independent advice across the whole of market
Associations and certifications
- Financial Conduct Authority
What people say
Impeccable service
Faultless expertise
Best mortgage rates
Patient approach
Marvellous service
Services
Financial planning
Our financial planning service helps clients identify and prioritise their financial goals through comprehensive analysis of current assets, future needs, and market opportunities. We create tailored strategies that address retirement planning, tax efficiency, and wealth preservation while maintaining flexibility for life changes. With ongoing reviews and market monitoring, we ensure your financial plan remains aligned with your evolving objectives.
Mortgage advice
We provide expert mortgage advice covering residential and commercial property finance, including first-time purchases, remortgaging, and buy-to-let investments. Our whole-of-market approach compares thousands of products to find competitive rates that match your financial circumstances. We also specialise in complex cases and offer guidance on government schemes and tax-efficient mortgage structures.
Investment management
Our investment management service focuses on building diversified portfolios aligned with your risk tolerance and financial goals. We offer access to mainstream and alternative investments, with regular rebalancing and performance tracking. The service includes tax-efficient strategies, ESG investing options, and ongoing portfolio reviews to adapt to changing market conditions and personal circumstances.
Later life planning
This service specialises in preparing clients for retirement through comprehensive pension reviews, income planning, and estate preservation strategies. We analyse state benefits, private pensions, and investment assets to create sustainable income streams while considering care funding requirements and inheritance tax planning. Our approach ensures financial security during retirement while maintaining flexibility for changing needs.
Protection insurance
We offer tailored protection insurance solutions including life cover, critical illness, and income protection policies. Our advisers assess your personal and financial circumstances to recommend appropriate coverage levels that safeguard against unforeseen events. The service includes policy reviews, claims assistance, and guidance on tax-efficient structures to ensure adequate financial protection for you and your dependants.
People
Geoff O'Shea
CEO
With over 30 years' experience in financial services, Geoff founded Accumulus in 2001. He specialises in pensions and investments, holding Certified Financial Planner and Chartered Wealth Manager qualifications. His client-focused approach has driven the company's growth through referrals.
Ian Westen
Mortgage Services Director
Ian brings 35 years of mortgage market expertise to Accumulus. He specialises in residential and commercial property finance, holding CMA and CeMAP qualifications. His market knowledge helps clients secure optimal mortgage solutions across diverse lending criteria.
Ali Akhtar
Financial Adviser
Ali joined Accumulus in 2020 with expertise in complex mortgages and retirement planning. He holds a DipPFS qualification and specialises in responsible investment strategies, combining technical knowledge with a client-centred approach to financial solutions.
Bridget Walker
Managing Director
Bridget has led strategic development at Accumulus since 2012. With an MBA and 30 years' experience in financial planning, she focuses on enhancing team capabilities and service delivery while maintaining operational excellence across advisory services.
Simon Llewellyn
Paraplanner
Simon provides essential support to advisers with compliance and portfolio management. His expertise in financial regulations and investment strategies ensures accurate implementation of client plans, drawing on extensive experience across multiple financial disciplines.
Questions
What areas of financial advice does Accumulus Consulting specialise in?
We specialise in pensions, investments, residential and commercial mortgages, protection insurance, later life planning, and ESG investing. Our services cover both personal and corporate financial needs.
How does Accumulus ensure independent financial advice?
As an appointed representative of The Whitechurch Network, we maintain independence by analysing products across the entire market to find optimal solutions without proprietary product bias.
What qualifications do your advisers hold?
Our team holds advanced qualifications including Certified Financial Planner (CFP), Chartered Wealth Manager, CeMAP, and DipPFS, ensuring professional expertise across all advisory services.
How are ongoing financial reviews conducted?
We provide annual reviews with adviser meetings, consolidated valuations, portfolio rebalancing, and tax table updates. Clients receive quarterly newsletters and have access to a client portal for continuous engagement.
What mortgage options are available through Accumulus?
We offer whole-of-market mortgage advice covering residential, commercial, buy-to-let, and lifetime mortgages with access to exclusive deals and specialist lenders across the UK market.
How does Accumulus approach responsible investing?
Our ESG investment strategy incorporates environmental, social, and governance factors into portfolio construction, offering clients sustainable investment options aligned with their ethical preferences.
Reviews (6)
Khurram Begg
Jan 28, 2022
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Positive:Professionalism,Quality,Responsiveness,Value
Close to 20yrs with Accumulus and in all that time only known them to grow & get better. Excellent service & results.
Close to 20yrs with Accumulus and in all that time only known them to grow & get better. Excellent service & results.
Philip Cornell
Dec 30, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
We were ready for retirement a couple of years before NRA, but unsure whether we could afford to; we found the world of pensions daunting and confusing. So glad, were we, to have Accumulus recommended to us, as Geoff has patiently guided us through our quagmire with practical and understandable advice. Thank you, Geoff.
We were ready for retirement a couple of years before NRA, but unsure whether we could afford to; we found the world of pensions daunting and confusing. So glad, were we, to have Accumulus recommended to us, as Geoff has patiently guided us through our quagmire with practical and understandable advice. Thank you, Geoff.
Jamie Larke
May 26, 2021
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Geoff came highly recommended to me by a close friend. His advice and guidance has really helped me to clear up some of the issues I've been having with my finances and how to go forward in my life. I really appreciate his honesty. I would highly recommend!
Martin Dew
Dec 24, 2020
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Positive:Professionalism,Quality,Responsiveness,Value
We've always had marvellous service from Geoff and his Team. They've always gone out of their way to ensure we've had the correct financial advice. We have always been 100% satisfied with their service. Highly recommend.
We've always had marvellous service from Geoff and his Team. They've always gone out of their way to ensure we've had the correct financial advice. We have always been 100% satisfied with their service. Highly recommend.
Ash Tarhuni
Sep 13, 2020
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My wife approached Geoff for some financial advice, he advised us to pursue the option that was best for us, instead of encouraging us to simply hire him to manage our investments. We were impressed by his trustworthiness. He took as much time as we needed to explain everything clearly and patiently - even though it was a free consultation - and calmly explained the available options and which one was best for us. Our overall impression was one of sincerity and kindness - exactly what one needs when dealing with confusing and stressful financial matters
Thank to his honesty, wed have no hesitation
Thank to his honesty, wed have no hesitation
Linda Massey
Sep 15, 2019
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Geoff is really patient & explains things so clearly. I put my financial affairs in his hands several years ago which was a great decision. I have full confidence in his advice, he responds really quickly to any queries & he has a really great team in the office.
