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Hero lines
- Advice you pay for, not products sold
- A plan you can read in one sitting
- One question: will the money last?
Fee-only advice: a flat annual charge, no commission, and no product provider paying us anything at any point.
We model your income to age 95 and show you the years where the plan breaks — before you retire, not afterwards.
The average client relationship here runs to 12 years, and 84% of new enquiries come from someone we already advise.
Team bios
Duncan Ferreira — Chartered financial planner
Duncan started in 1994, spent eight years selling products on commission, and disliked it enough to build a fee-only practice instead. He does the retirement modelling on every case and rather enjoys telling people they can afford to stop working earlier than they thought.
Noor Al-Rashid — Financial planner
Noor came from twelve years of actuarial work, so she is the one who spots that an old scheme carries a guaranteed rate worth keeping. She has advised against three of the last ten transfers we were asked to arrange, which is rather the point of paying for advice.
Petra Vogel — Client manager
Petra runs the review calendar and the paperwork, which is why transfers complete on time and nothing sits in an in-tray for a fortnight. She has been here nine years and remembers your children's names considerably better than the advisers do.
Quotes
“I asked what they earned if I bought the fund they recommended. Duncan said “nothing at all — that is the entire idea” and showed me the invoice we had already agreed. My previous adviser never quite answered that one.”
Ellis Grantham, Retired, client since 2016
“The model showed our plan failing at 79 if we carried on spending the way we were. Better to learn that at 62 than at 78. We changed two things and it now survives every scenario they tested.”
Sofia Kowalczyk, Client since 2019
“A flat fee of $4,800 a year, written down, with no percentage creeping upward as the portfolio grows. After eleven years I have saved more in fees than my first adviser ever made me in returns!”
Terence Boakye, Business owner
FAQ answers
How exactly are you paid?
A flat annual fee in dollars, agreed before any work begins and reviewed each January. Initial planning is $2,400 to $4,800 depending on complexity, and ongoing advice starts at $3,600 a year. We take no commission, no introducer fee and no payment of any kind from a provider.
Do I have enough to be worth advising?
Our clients hold between $180,000 and $6 million, but the honest answer depends on the question rather than the balance. If a flat fee would be poor value for you we will say so at the first meeting and suggest what to do instead, at no charge.
Who regulates you and what if things go wrong?
We are authorised by the national financial conduct authority and carry professional indemnity cover. Complaints come to us first, in writing, and if you are not satisfied within eight weeks you may take the matter to the independent financial ombudsman at no cost to yourself.
Should I move my old workplace pensions?
Sometimes, and often not. Three of the last ten schemes we reviewed carried guarantees worth considerably more than any charge saving from moving them. We check first and charge the same fee either way, so there is no incentive here to recommend a transfer.
Closing lines
The first meeting is free, lasts about ninety minutes and ends with no recommendation at all — deliberately. You leave with a written summary of what you told us and an honest note on whether paid advice would be worth the money for you.
We take on roughly fifteen new clients a year, which is as many as three advisers can look after properly. If we are full we will say so and suggest two other firms, rather than putting you on a list.
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