One clear plan, so you can feel confident about what comes next.

You might have a pension you’ve never really looked at, or money you’ve recently received and aren’t sure what to do with. You know it needs sorting, but it feels complicated and you don’t want to get it wrong. So you put it off until you’ve got more time next week, and next week turns into next year.

I spent over 30 years working inside the markets, on the other side of the trade. Now I sit on yours. I’ll bring everything together into a plan built around the life you’d like, and keep it on track as things change.

Andy Rose, independent financial adviser

Questions many of us carry around

LISAIs my pension in the right fund?The 60% tax trapMPSThe market’s fallen, should I sell?The £100k childcare cliff edgecompoundingCan we afford to retire early?Junior ISA or just savings?auto-enrolmentOEICAm I missing qualifying years?capacity for lossdrawdownWhen can I take my tax-free cash?Too much sitting in cashvolatilityDrawdown or annuity?PCLSSAYEISAuncrystallised fundsOld pensions I’ve lost track ofDFMWhat do I do with my bonus?defined contributiondefined benefitPension or pay off the mortgage?What do I do with an inheritance?BAYErebalancingIs there enough life cover?multi-assetSIPPHow much is enough?annuityGIAasset allocationShould I be using salary sacrifice?

Left unanswered, they keep you going round in circles*

I should have
sorted this
by now

I don’t know
where to start

That nagging
feeling you
can’t shake

I’m worried about
getting it wrong

* 47% of UK adults can't estimate how much is in their pension. Standard Life, Opinium survey of 2,000 UK adults, August 2025.

Most of us were never taught anything about personal finance. We pick up bits here and there, so it’s no surprise it all feels complicated. That’s what I’m here for.

From going round in circles to a way forward

One conversation could start that change.
What follows is a clear plan that can answer your questions, and the security of knowing someone is keeping an eye on it.

The FCA estimates 15.8 million UK adults may need financial support but haven't had regulated advice. Fewer than 1 in 10 took advice last year. FCA Financial Lives survey, 2024.

Who I help

I help people who’ve built something and want to know it’s working for them. That might mean working out the income you’d like in retirement, passing more of what you’ve built to the next generation, or knowing what to do with money you’ve inherited. It might be making sure your children would be OK whatever happens, or making the most of a bonus or share scheme. I’m independent, so every recommendation is based on what’s right for you.

Pensions and retirement

From tracking down old pensions to making sure they’re invested correctly and getting every bit of tax relief. Then making sure you can pay your future self in the way that suits you best, whether that’s an annuity, drawdown or a mix of both.

Pension advice →Retirement planning →

Investment planning

Turning savings, or money you’ve recently received, into investments built around your goals, your timescale and the risk you’re comfortable with, then held as tax efficiently as possible.

Protection

Life cover, critical illness and income protection, set up in trust, so there’s a plan in place for your family if you couldn’t work, or weren’t here.

Life insurance and protection →

Inheritance tax planning

Gifting, trusts and pension planning, so more of what you’ve worked for reaches the people you love.

Inheritance tax planning →

Bonuses, share schemes and business income

A bonus about to land, shares about to vest, or profits to draw from your own company. I’ll help you take your income in the right order and keep the tax down, using pensions, salary sacrifice and good timing.

Where it all comes together

Cashflow planning

Your whole financial future mapped out year by year: what comes in, what goes out, growth, tax and inflation. It turns “Can we afford to retire at 60?” into a real answer instead of a guess. We can test different choices side by side, so you can see what each one means before you make it.

These are projections, not promises, so we update them as life changes.

See what an independent adviser can do for you →

From where you are now to a plan in place

Many people don’t get advice at all, because it feels complicated, expensive or only for the wealthy. It doesn’t need to be any of those. It simply starts with getting to know you, because the numbers only mean something once I understand what’s important to you, and why. You’ll see the full plan, and exactly what it costs, before you decide anything.

Ready to get your finances in focus?

Let’s chat

No pitch, no pressure.