Business Details
Trusted Chartered Financial Advisers in Plymouth
Established as a trusted name in financial planning, we provide independent, tailored advice to individuals and businesses in Plymouth and surrounding areas. Our team of chartered financial planners brings decades of collective experience, prioritising client relationships and long-term financial strategies. We specialise in creating bespoke solutions for wealth management, retirement planning, and tax efficiency, guided by rigorous industry standards. As an FCA-authorised firm, we combine regulatory compliance with a personal approach to client care. Our reputation for excellence is reflected in the high number of referrals from satisfied clients.We focus on understanding each client's unique financial goals, delivering clear recommendations and ongoing support to adapt to changing circumstances. Our commitment to transparency ensures clients receive honest, jargon-free advice aligned with their aspirations. With a proven process for monitoring and adjusting financial plans, we help clients navigate complex financial decisions with confidence. Our team's expertise spans pensions, inheritance tax planning, investment management, and protection strategies. This holistic approach positions us as a reliable partner for achieving financial security across generations.
Services
Financial Planning
Pensions Advice
Inheritance Tax Planning
Investment Management
Retirement Planning
Life Assurance
Income Protection
Highlights and features
- We are Chartered Financial Planners with FCA authorisation for regulatory excellence
- Our team has decades of combined experience in independent financial advice
- 85% of clients come through trusted referrals from satisfied customers
- We provide ongoing monitoring and adjustments to financial plans as needed
- Specialists in tax-efficient investing and intergenerational wealth planning
Associations and certifications
- Financial Conduct Authority
Services
Financial Planning
Our financial planning service creates comprehensive strategies tailored to individual goals and circumstances. We assess current financial positions, identify short and long-term objectives, and develop actionable plans to achieve them. With regular reviews and adjustments, we ensure your financial strategy evolves alongside life changes and market conditions.
Pensions Advice
Specialist guidance on pension arrangements helps maximise retirement income while maintaining regulatory compliance. We evaluate existing pension provisions, recommend appropriate contribution levels, and optimise tax efficiency. Our ongoing support ensures pension strategies remain aligned with changing retirement goals and legislation.
Inheritance Tax Planning
We develop strategic approaches to mitigate inheritance tax liabilities while preserving family wealth. Our service includes assessing current asset structures, recommending tax-efficient vehicles, and implementing gifting strategies. We work closely with legal professionals to ensure comprehensive estate planning solutions that protect your legacy.
Investment Management
Tailored investment strategies focus on achieving specific financial objectives while managing risk appropriately. We construct diversified portfolios aligned with individual risk profiles and financial goals. Regular performance reviews and rebalancing ensure investments remain optimised for changing market conditions and personal circumstances.
Retirement Planning
Comprehensive retirement planning ensures sufficient income for your desired lifestyle. We analyse current savings, project future needs, and recommend appropriate pension vehicles. Our service includes cashflow modelling, tax planning, and strategy adjustments to account for evolving retirement goals and regulatory changes.
People
Jo Spaulding
Managing Director
With over 25 years in financial services, Jo leads our advisory team with expertise in complex financial planning. She specialises in retirement strategies and tax-efficient investments, ensuring clients receive technically robust yet accessible advice tailored to their unique circumstances.
Alun Pells
Director
A qualified Chartered Financial Planner, Alun focuses on wealth management solutions for high-net-worth individuals. His 20+ years of experience include developing innovative strategies for inheritance tax mitigation and intergenerational wealth transfer, combining technical excellence with practical implementation.
Gareth Hale
Director
As a specialist in pension transfers and retirement income planning, Gareth brings 18 years of advisory experience. He excels at simplifying complex financial concepts into clear, actionable strategies that help clients achieve long-term security while maintaining regulatory compliance.
Darcie Butler
Director
Darcie specialises in investment management and risk planning, with particular expertise in ESG-compliant portfolios. Her 15-year career includes developing bespoke solutions for clients seeking both financial returns and ethical alignment in their wealth management strategies.
Andrew Martin
Director
Andrew focuses on corporate financial planning solutions, helping business owners navigate complex pension arrangements and succession planning. With 22 years in the industry, he combines technical knowledge with practical commercial awareness to deliver strategic, client-centred advice.
Questions
What financial planning services do you offer?
We provide comprehensive financial planning covering pensions, investments, inheritance tax, retirement strategies, life assurance, and income protection tailored to individual circumstances.
How does your initial consultation work?
We offer a free initial consultation to understand your financial goals, current situation, and any specific concerns before developing tailored recommendations.
Are your services regulated?
We are authorised and regulated by the Financial Conduct Authority for most services, with clear procedures for handling client complaints through FCA guidelines.
How do you charge for financial advice?
Our fees are transparently discussed upfront, typically based on the complexity of your financial situation and the services required, with no hidden charges.
Do you work with both individuals and businesses?
Yes, we provide financial planning solutions for individuals seeking personal wealth management and businesses requiring corporate financial strategy guidance.
