Business Details
Award-Winning Financial Advisers in Bath
We are an award-winning independent financial advisory firm based in Bath, dedicated to providing personalized financial solutions. Founded over a decade ago, our approach centers on understanding each client's unique aspirations and financial circumstances. Led by Chartered Financial Planner Jonothan McColgan, who has received national recognition including UK Financial Adviser of the Year, we combine technical expertise with a client-first philosophy.Our services span retirement planning, investment strategy, tax efficiency, protection, and legacy planning, all delivered through a transparent fee structure. We maintain collaborative relationships with accountants, solicitors, and other professionals to ensure comprehensive financial solutions. Our commitment to excellence is evidenced by our regulatory compliance with the Financial Conduct Authority and consistent positive client testimonials.
Services
Retirement Planning
Investment Management
Tax Efficiency
Legacy Planning
Protection Strategies
Highlights and features
- We are Chartered Financial Planners with demonstrable expertise in complex pension portfolios
- Our transparent fee structure includes clear initial and annual advisory rates
- We maintain collaborative relationships with accountants and solicitors for holistic planning
- Award-winning service recognised by industry accolades and professional bodies
- Personalised financial strategies tailored to individual client circumstances and aspirations
Associations and certifications
- Financial Conduct Authority
What people say
First-rate service
Tailored financial plan
Excellent advice
Trust him implicitly
Highly recommended
Services
Retirement Planning
We develop comprehensive retirement strategies tailored to individual circumstances, considering pension options, income requirements, and tax implications. Our expertise includes navigating complex pension legislation to maximise retirement benefits while ensuring financial security. We provide ongoing reviews to adapt plans as circumstances change.
Investment Management
Our investment strategies combine equities, bonds, and property investments to meet specific financial goals. We assess risk tolerance and market conditions to create diversified portfolios that balance growth potential with capital protection. Regular performance reviews ensure alignment with evolving objectives.
Tax Efficiency
We implement tax-efficient investment strategies using ISAs, pension plans, and structured products. Our approach considers both personal and spousal tax positions to minimise liabilities while maximising investment growth potential through legitimate tax relief opportunities.
Legacy Planning
Our legacy planning services focus on minimising inheritance tax liabilities through strategic asset distribution. We advise on will structuring, trust creation, and intergenerational wealth transfer strategies to preserve family assets while respecting client wishes.
Protection Strategies
We provide comprehensive protection solutions including life assurance, critical illness cover, and income protection. Our approach ensures financial security for dependants while addressing specific risks associated with long-term illness or unexpected death.
People
Jonothan McColgan
Chartered Financial Planner
Award-winning Chartered Financial Planner with over a decade of 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 circumstances.
How are your advisory fees structured?
Our initial fee starts at £1,500 or 1.5% of funds (capped at £15,000), with annual fees from £1,000 or 1% (capped at £10,000) for ongoing advice.
Are you regulated by financial authorities?
Yes, we are regulated by the Financial Conduct Authority as an appointed representative of The Whitechurch Network Limited.
How do you personalise financial advice?
We conduct detailed consultations to understand individual goals, risk tolerance, and financial circumstances before developing bespoke strategies.
Which geographic areas do you serve?
While based in Bath, we serve clients across Bristol, Gloucestershire, Shropshire, Wiltshire, and offer remote consultations for national clients.
Reviews (1)
Rob Thomas
Dec 26, 2017
Report
I worked in Financial Services for 28 years and thought I knew how to spot a good Financial Adviser, but prior to meeting Jonothan made the mistake of accepting a personal recommendation to a well known national firm, and repented at my leisure (as they say). So with Jonothan I got to know him well first, did my due diligence and the track record of delighted clients and national recognition (e.g. Financial Adviser of the Year, Retirement & later Life Advice Specialist of the year to name but two) backed all this research up. Even so, having got my fingers burnt, I was still very cautious and
