Business Details
24 Years
experience
Trusted Financial Advisers in Ipswich
Established in 2002, Galleon Wealth Management has been dedicated to providing impartial financial guidance to individuals across Ipswich and Suffolk. Our expertise spans estate planning, investment management, and retirement solutions, with a focus on simplifying complex financial decisions. We prioritise client education, ensuring our clients understand their options without being overwhelmed by industry jargon. Our team holds advanced qualifications, including the Diploma in Financial Planning, and adheres to strict ethical standards through membership in the Personal Finance Society. With over two decades of experience, we combine deep local knowledge with a commitment to long-term client relationships, offering tailored advice that aligns with individual goals.Our fee structure is transparent, with initial consultations provided at no cost to help clients make informed decisions. Recognised by the Financial Conduct Authority, we maintain rigorous compliance standards while delivering accessible, jargon-free financial solutions. Our approach ensures clients feel confident in managing their financial future, whether planning for retirement, structuring investments, or navigating inheritance tax complexities.
Services
Estate Planning
Investment Management
Retirement Solutions
Trusts
Wills
Lasting Powers of Attorney
Pension Advice
Annuity Planning
Tax-Efficient Investments
Financial Education
Details
- Year established: 2002
Highlights and features
- We offer 20+ years of experience in financial planning since 2002
- Our team holds the Diploma in Financial Planning qualification
- Specialist expertise in inheritance tax mitigation strategies
- Transparent fee structure with free initial consultations
- Committed to the Personal Finance Society's ethical standards
Associations and certifications
- Financial Conduct Authority
Services
Estate Planning
Our estate planning service helps clients structure their assets to minimise inheritance tax liabilities while ensuring their wishes are fulfilled. We specialise in creating tailored solutions through trusts, wills, and lasting powers of attorney. With expertise in UK tax regulations, we provide clear guidance on options like discounted gift trusts and spousal bypass arrangements to protect family wealth.
Investment Management
We offer comprehensive investment management across diverse asset classes including equities, fixed interest, and property funds. Our approach considers risk profiles, financial objectives, and time horizons to create balanced portfolios. We specialise in ethical investments, emerging markets, and tax-efficient vehicles like ISAs, ensuring clients' investments align with their personal values and long-term goals.
Retirement Solutions
Our retirement services cover pension freedoms, annuity options, and drawdown strategies to maximise income in later life. We help clients navigate stakeholder pensions, SIPPs, and enhanced annuities while considering tax implications. With expertise in post-2015 pension reforms, we provide tailored advice to ensure financial security during retirement years.
Trusts
We specialise in establishing various trust structures including absolute, discretionary, and spousal bypass trusts. These arrangements help clients protect assets while benefiting future generations. Our expertise ensures proper structuring to achieve inheritance tax mitigation and controlled distribution of assets according to clients' specific wishes.
Wills
Our will-writing service ensures clients' estates are distributed according to their wishes while minimising legal complications. We guide clients through appointing guardians for minors, creating valid wills, and understanding intestacy rules. The service includes updating wills after major life events like marriage to maintain legal validity.
People
Ray Pettitt
Founder
With financial services experience since 1982 and as an Independent Financial Advisor since 1998, Ray holds the Diploma in Financial Planning. He established Galleon Wealth Management in 2002, focusing on long-term client relationships and financial education. His approach prioritises plain-English explanations over industry jargon.
Questions
What areas do you serve?
We primarily serve clients in Ipswich and Suffolk, providing financial advice tailored to local needs while maintaining national regulatory compliance.
How are your fees structured?
The initial consultation is free. Fees depend on service complexity and can be deducted from arrangements or paid separately as agreed during our initial discussion.
What makes estate planning important?
Estate planning ensures your assets benefit intended recipients while minimising inheritance tax. Without proper planning, the state determines asset distribution through intestacy rules.
How do you handle investment risk?
We assess individual risk tolerance, financial objectives, and time horizons to create diversified portfolios. This includes options from cash funds to emerging market investments based on client preferences.
What retirement options exist post-2015?
Pension freedoms introduced in 2015 allow greater flexibility in accessing benefits. We help clients navigate annuities, drawdown options, and tax-efficient income strategies to suit their retirement needs.
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Reviews (1)
Richard Bradley
Oct 13, 2021
Report
Ray is extremely helpful and knowledgeable on all things financial. Karen was very thorough when sorting out our wills and powers of attorney. Thoroughly recommended.
