Nine years in the
Army. Then this.
Independent financial planner, Bath. Royal Military Police 2017. Military intelligence from 2021.
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A proven expert in analysis and assessment. The same discipline, now applied to the financial decisions that shape the next twenty years of your life.
An independent planner with an unusual route in.
I'm Andrew. I work with individuals and families across Bath, Bristol and the wider South West on the financial decisions that shape the next twenty years.
I joined the Army in 2017 and served nine years across the Royal Military Police and military intelligence. I left to build a financial planning practice in Bath. It's a less common route in. The discipline of the work is more similar than people expect.
Two operational disciplines, both built around the same sequence. Get every piece of information on the table. Do the research the question deserves. Then build a plan good enough to act on — and implement it properly.
Most clients come to me because they're tired of being sold to. They want a planner who'll listen, ask the right questions, and put a written plan in front of them they can stand behind.
That's what I do. Independent. Considered. Written down. Reviewed every year.
— Andrew
Six principles the practice runs on.
Independent, in fact
No product ties. No house view to defend. The recommendation is whatever the evidence in front of you points to — written down, with the reasoning shown.
Plans built around your life
The plan starts with what you actually want the next twenty years to look like. Products come last, and only when they earn their place.
Financial education, for everyone
The basics shouldn't sit behind an advice fee. Courses, books, a podcast — written plainly, given away or sold cheap. Better-informed clients make better decisions, and the industry has gatekept this for too long.
The long view
Decades, not quarters. The plan exists to compound — quietly, consistently, with enough flex for life to keep happening.
Reviewed at least annually
Plans go stale fast. Children, careers, parents, markets — the picture moves. We sit down at least once a year and rebuild around what's true now.
Plain English, always
Jargon hides ducked decisions. Every recommendation should be explainable in the language you'd use over coffee.
The credentials behind the advice.
Diploma in Regulated Financial Planning
Six papers covering the full ground of UK financial planning: investment principles, taxation, personal protection, retirement and pensions, the planning process itself, and the regulatory framework that holds it all together. It's the qualification that authorises independent advice across the work I do — and the foundation everything else is built on.
Andrew Daw operates as part of Duchy IFA (Bath office), the South West arm of Abacus Associates.
Appointed Representative of Saltus Wealth Partnership Limited, authorised and regulated by the Financial Conduct Authority. FCA reference number 449607.
Independent advice across pensions, investments and protection. No in-house product bias to navigate.
Verifiable on the FCA Register at register.fca.org.uk.
Outside the practice.
I live and work in Bath.
Two hobbies, very different on the surface, teaching the same thing underneath. Triathlon training, building toward a full Ironman. And Old School RuneScape, on and off my computer since I was a teenager.
One is hours on the bike, in the pool, in trainers. The other is hours patiently grinding a skill on a twenty-year-old game engine. Both come down to the same lesson — small, consistent inputs, repeated long enough, compound into something you couldn't have built any other way.
It's the lesson that runs through the planning work too. Probably why both still hold my attention.
Speak with Andrew.
A complimentary 30-minute conversation. No obligation. No pitch. We'll talk about where you are now, and whether a planner is the right next step.
Arrange a conversation