Business Details
Your Trusted Partner for Financial Planning Solutions
At 3 D Financial Planning, we believe financial planning should be multi-dimensional, considering every aspect of your financial affairs. Our holistic approach, developed through years of experience, enables clients to view their financial situation with clarity and confidence. We begin by understanding your current position and long-term aspirations, creating tailored plans that adapt as your life evolves. Our team prioritises transparency, ensuring you understand how changes in one area affect your broader financial strategy. With a focus on building, managing, and protecting wealth, we guide individuals, trustees, and business owners toward achieving their financial objectives. Our independence allows us to offer unbiased advice, and our commitment to regular reviews ensures your plan remains aligned with your goals.We pride ourselves on demystifying complex financial concepts, empowering clients to make informed decisions. Our expertise spans retirement planning, investment management, tax efficiency, and protection strategies, all underpinned by a dedication to client-centric service. We work collaboratively to address uncertainties, from market fluctuations to life-changing events, ensuring your financial plan remains resilient. Our philosophy is simple: your financial security is our priority, and we strive to deliver solutions that provide lasting value.
Services
Financial Planning
Retirement Planning
Investment Management
Tax Planning
Insurance & Protection
Equity Release
Highlights and features
- We offer a holistic approach to financial planning, integrating all aspects of your financial life.
- Our team holds FCA-regulated expertise and prioritises client-focused advice.
- We provide tailored strategies aligned with your unique goals and risk tolerance.
- Regular reviews ensure your financial plan adapts to life changes and market conditions.
- Our independence guarantees unbiased recommendations across a wide range of financial products.
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Impeccable discretion
Client-focused approach
Exemplary advice
Professional and results-oriented
Highly recommended
Services
Financial Planning
Our financial planning service creates comprehensive, personalised strategies by analysing your income, assets, liabilities, and goals. We integrate cashflow forecasting to model scenarios, ensuring your plan adapts to life changes. By balancing risk management with growth opportunities, we help you build sustainable wealth while addressing tax efficiency and inheritance considerations. Regular reviews keep your strategy aligned with evolving objectives.
Retirement Planning
We design retirement plans tailored to your desired lifestyle, considering pension contributions, tax reliefs, and income distribution. Our expertise in post-2015 pension freedoms allows phased retirement strategies, blending income sources like ISAs, dividends, and annuities. We ensure compliance with evolving legislation while maximising tax efficiency to secure your financial independence.
Investment Management
We construct diversified portfolios across equities, fixed income, and alternative assets, aligned with your risk profile. Our process combines attitude-to-risk assessments with capacity-for-loss analysis to balance growth and stability. Continuous monitoring and annual reviews ensure your investments remain aligned with your goals, adjusting for market shifts or personal circumstances.
Tax Planning
Our tax planning identifies allowances and reliefs to reduce liabilities during your lifetime and upon estate transfer. We specialise in Inheritance Tax mitigation through trusts, gifting strategies, and insurance solutions. By aligning tax efficiency with your financial plan, we preserve wealth for beneficiaries while ensuring compliance with HMRC regulations.
Equity Release
We advise on tax-free equity release options for homeowners aged 55+, including lifetime mortgages and home reversion plans. Our guidance balances immediate cash needs with inheritance impacts, ensuring you retain property ownership where possible. We assess eligibility based on age, health, and property value to secure competitive rates.
People
Scott Davis
Director & Financial Adviser
With over 15 years of experience, Scott specialises in pensions and investment management. He focuses on simplifying complex financial concepts for clients, ensuring clarity in retirement planning. His client-first approach has built long-term relationships grounded in trust and transparency.
Chris Gillespie
Financial Adviser
Chris brings expertise in tax-efficient wealth management and intergenerational planning. He helps clients navigate pension freedoms and inheritance tax strategies, prioritising sustainable growth. His analytical approach ensures tailored solutions aligned with individual risk profiles and aspirations.
Pete Matthews
Financial Adviser
Pete specialises in investment management and protection planning. He works closely with clients to structure diversified portfolios that balance growth and security. His proactive reviews ensure strategies adapt to market changes and evolving personal circumstances.
Andrew Diamond
Relationship Manager
Andrew oversees client relationships, ensuring seamless service delivery. With a background in financial services compliance, he ensures all advice meets regulatory standards. His focus is on maintaining clear communication and client satisfaction throughout the advisory process.
Audrey Wheatcroft
Client Operations Manager
Audrey manages operational workflows, ensuring efficient execution of financial plans. Her 20-year industry experience includes pension administration and client support. She plays a key role in coordinating between advisers and external providers to deliver timely, accurate service.
Questions
What is the minimum age for equity release?
You must be at least 55 years old to qualify for equity release products like lifetime mortgages.
How does cashflow forecasting work?
We model your income, expenses, and assets to project financial outcomes, adjusting for market changes and life events to keep your plan on track.
Can I consolidate multiple pensions?
Yes, we help clients combine pensions into a single plan for simplified management and potential cost savings.
What tax reliefs apply to pensions?
Contributions qualify for tax relief at your highest rate, and 25% of pension withdrawals are tax-free.
How are investments monitored?
We conduct annual reviews and adjust portfolios as needed to maintain alignment with your risk tolerance and goals.
What protection products do you offer?
We provide life insurance, critical illness cover, income protection, and inheritance tax solutions tailored to your needs.
Reviews (3)
Chris Ager
Oct 02, 2021
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I have used Scott and the team and 3D Financial Planning for many years. They originally helped assess our life insurance needs and put me in contact with a mortgage advisor when we decided to rent out our old house when we bought our new home. Scott organised all the life cover we needed and when we moved again, our previous decreasing life insurance needed to be updated. Again, Scott helped identify the additional cover we needed. Since we were in full COVID lockdown at the time, the entire process was handled online and over the phone. I have complete trust in Scott and the team to provide
Steven Dixon
Jun 02, 2019
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After a disappointing experience with another financial adviser firm we asked for a recommendation from a friend. Scott had the task of re-assuring us that he really would offer best independent advice and asked him to carry out a full review. Scott reassessed our existing investments and pensions and carried out an extensive review of our investment needs, which resulted in substantial savings on management charges and a selection of funds that matched our individual attitudes to risk. The whole experience was so professional, yet relaxed and at no time did we ever feel under pressure. Scott has
Tom Syrett
Aug 02, 2014
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Scott Davis has been very helpful to me in planning my finances with regards to my retirement. I first discussed my financial situation with Scott, after taking early retirement and moving to France eight years ago with my wife. Having returned to live in England again we have discovered that the sums that we discussed with Scott are working out pretty much as he predicted for us. Thank you Scott, we look forward to having a long and successful business arrangement with you in the future.
