Considered planning,
for the decisions that matter.
Independent financial planning for individuals and families across Bath, Bristol and the South West. By introduction and through quiet referral.
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Plans built around your life, not our products. Independent counsel — straight-talking, structured, and committed to the long view.
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 help them build a plan that fits their life.
I work with individuals and families on long-term financial planning, retirement, and the inheritance decisions most people put off. The work is careful, structured, and quiet. No jargon. No sales pitch. No pressure.
If you're not sure whether your situation warrants a planner, I'll tell you. The conversation costs you nothing, and it might save you years of guessing.
Six areas of long-term planning. One considered conversation.
Retirement Planning
The biggest decision-set most clients face. From "five years out" through drawdown and beyond — built around your life, not market conditions.
Investment Management
A clear strategy aligned with your goals, your timeframe, and what you can live with when markets move. No stock tips, no fads.
Tax-Efficient Planning
ISAs, pensions, the right wrappers in the right order. Often worth a year's salary by retirement — and quietly, every year along the way.
Estate & Inheritance
The conversation most clients put off. Gifting, IHT, life insurance in trust — protecting what's been built for the people who come next.
Protection Planning
The right cover, sized properly, without the upsell. Life, critical illness, income protection — in plain English.
Mortgages & Remortgaging
Independent advice on the largest financial commitment most clients ever make. Purchase, remortgage, buy-to-let.
A clear process. Four steps, end to end.
An honest conversation
A complimentary 30-minute call. Where you are, where you want to be, and whether advice is the right next step.
The full picture
A structured review of pensions, investments, income and obligations — captured in a written summary before we go further.
Written, considered
A plan tailored to your life and your goals. Recommendations explained in plain English, with the reasoning shown.
Always alongside
Implementation and ongoing review, at least annually. Life changes. The plan changes with it.
Andrew was very informative on all of the products I enquired about, he was also able to guide me on what products were best suited for my needs to help me reach my goals. I would highly recommend Andrew and will be my go-to guy in the future for all of my financial needs.
A free, seven-part course on investing fundamentals.
Plain English. Twenty minutes a week. No sales pitch. For those who'd rather understand the basics before any conversation about advice.
Foundations of InvestingSpeak 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