Why people trust me with decisions that matter

Most people I work with aren’t short of money.

They’re short of clarity.

How I think about financial planning

Retirement planning is the
foundation of wealth transfer.

Only once your own life is properly funded does it make sense to plan what passes on.

Security comes first.

Legacy follows

That order matters.

Retirement planning is the
foundation of wealth transfer.

Only once your own life is properly funded does it make sense to plan what passes on.

Security comes first.

Legacy follows

That order matters.

I've worked with dozens of families just like yours.

They typically have £1m+ across multiple pensions, investments, and properties. They've been successful and sensible their whole lives. But now they're stuck:

Uncertain if they have enough to retire comfortably

Worried about spending too much - or regretting spending too little

Wanting to help family, but scared of giving too much away too soon

Knowing they should sort out estate planning, but the whole picture feels too complex to tackle

The issue is rarely a lack of money.

It's a lack of clarity about what's actually safe to do.

I've worked with dozens of families just like yours.

They typically have £1m+ across multiple pensions, investments, and properties. They've been successful and sensible their whole lives. But now they're stuck:

Uncertain if they have enough to retire comfortably

Worried about spending too much - or regretting spending too little

Wanting to help family, but scared of giving too much away too soon

Knowing they should sort out estate planning, but the whole picture feels too complex to tackle

The issue is rarely a lack of money.

It's a lack of clarity about what's actually safe to do.

And I've seen what happens when people stay in that place too long.

Not just missed tax planning opportunities or frozen allowances eating into wealth.

But years not lived.

Help not given.

Decisions that never get made.

The longer complexity goes unresolved, the heavier it becomes.

Waiting doesn't make things clearer.

It just shapes your future in ways you didn't choose.

And I've seen what happens when people stay in that place too long.

Not just missed tax planning opportunities or frozen allowances eating into wealth.

But years not lived.

Help not given.

Decisions that never get made.

The longer complexity goes unresolved, the heavier it becomes.

Waiting doesn't make things clearer.

It just shapes your future in ways you didn't choose.

That's why I built the
Simplify → Plan → Protect
process.

Not to rush decisions.

But to break the logjam so life can actually move forward.

Because once your own life is properly planned, everything else - gifting, estate planning, wealth transfer, finally makes sense.

Security comes first.

Legacy follows.

That order matters.

That's why I built the
Simplify → Plan → Protect
process.

Not to rush decisions.

But to break the logjam so life can actually move forward.

Because once your own life is properly planned, everything else - gifting, estate planning, wealth transfer, finally makes sense.

Security comes first.

Legacy follows.

That order matters.

Most people don’t delay planning.

They delay deciding.

They wait for certainty.

They wait for the “right time”.

They wait because waiting feels responsible.

But time doesn’t pause while you wait.

It quietly shapes the outcome instead.

Most people don’t delay planning.

They delay deciding.

They wait for certainty.

They wait for the “right time”.

They wait because waiting feels responsible.

But time doesn’t pause while you wait.

It quietly shapes the outcome instead.

Clarity doesn’t arrive on its own.

It’s created.

Not by predicting the future,

but by understanding what your money can realistically support.

Until that’s clear, caution feels sensible

even when it’s costing you years.

Clarity doesn’t arrive on its own.

It’s created.

Not by predicting the future,

but by understanding what your money can realistically support.

Until that’s clear, caution feels sensible

even when it’s costing you years.

My Ethos

Clear decisions over fast decisions

I believe good planning creates space to think, not pressure to act.

Clarity changes how decisions feel, it turns uncertainty into something manageable.

When decisions are clear, progress follows naturally.

Independence is non-negotiable

Independence isn’t optional. It’s essential.

Advice only has value if it’s free from influence.

That means decisions built around your life, not products, targets, or incentives.

Real confidence comes from knowing recommendations exist solely for your benefit.

Fair, transparent charging

Fees should never create uncertainty.

I believe people deserve to understand what they’re paying for and why.

No hidden layers. No complexity for its own sake.

Clear charging supports clear decisions and trust depends on both.

Confidence that enables life

Structure should support life, not limit it.

The right plan doesn't restrict living, it makes it possible.

It gives you the confidence to spend, gift, retire, and enjoy life without second-guessing every decision.

Without structure, people stay cautious far longer than they need to.

With it, they move forward knowing their choices are supported.

My role in the process

My role is to create clarity, then guide you toward confident decisions.

I ask the right questions, map the consequences, and give you the space to choose.

Without urgency or pressure.

My role in the process

My role is to create clarity, then guide you toward confident decisions.

I ask the right questions, map the consequences, and give you the space to choose.

Without urgency or pressure.

Who I work best with

I work best with people who've done well, but don't want guesswork.

People who want to live well now, help family responsibly, and feel at peace with the decisions they're making.

Who value clarity, structure, and honesty

Who I work best with

I work best with people who've done well, but don't want guesswork.

People who want to live well now, help family responsibly, and feel at peace with the decisions they're making.

Who value clarity, structure, and honesty

I’m an independent, whole-of-market financial planner and FCA regulated.

Advice is based on what makes sense for you — not a product or provider.

Frequently Asked Questions

Do you only work with people locally?

Do I need to have everything organised before we speak?

What happens on the first call?

Do you push products or investments?

How do you charge for your work?

What sort of people do you usually work with?

Is this mainly about retirement or estate planning?

What if I decide not to proceed after the first conversation?

Do you only work with people locally?

Do I need to have everything organised before we speak?

What happens on the first call?

Do you push products or investments?

How do you charge for your work?

What sort of people do you usually work with?

Is this mainly about retirement or estate planning?

What if I decide not to proceed after the first conversation?

Regulation and independence

Wealth Transfer Specialist is a trading name of Harvest Associates Ltd, which is authorised and regulated by the Financial Conduct Authority.

FCA Firm Reference Number: 629749

Independent, whole-of-market financial advice

Advice is based on what makes sense for you — not a product or provider

There is no obligation to proceed beyond the initial planning stage

I work independently so I can remain personally involved, keep client numbers intentionally low, and give each family the clarity and time they deserve.

If this way of thinking resonates

You don’t need to have everything figured out.

Clarity usually starts with a simple conversation.

Just clarity, conversation, and a sense of what’s possible.

A short conversation is often enough to see whether this approach feels right for you.

No cost. No pressure. Just a calm first step.

Book A Clarity Call

If this way of thinking resonates

You don’t need to have everything figured out.

Clarity usually starts with a simple conversation.

Just clarity, conversation, and a sense of what’s possible.

A short conversation is often enough to see whether this approach feels right for you.

No cost. No pressure. Just a calm first step.

Book A Clarity Call

Clarity today. Security tomorrow. Freedom to live

Wealth Transfer Specialist is a trading name of Harvest Associates Ltd, which is authorised and regulated by the Financial Conduct Authority.

FCA Firm Reference Number: 629749

Wealth Transfer Specialist is a trading name of Harvest Associates Ltd, which is authorised and regulated by the Financial Conduct Authority.

FCA Firm Reference Number: 629749

Wealth Transfer Specialist is a trading name of Harvest Associates Ltd, which is authorised and regulated by the Financial Conduct Authority.

FCA Firm Reference Number: 629749

Why people trust me with decisions that matter

How I think about financial planning

How I think about financial planning

Retirement planning is the foundation of wealth transfer.

Retirement planning is the foundation of wealth transfer.

I've worked with dozens of families just like yours.

I've worked with dozens of families just like yours.

And I've seen what happens when people stay in that place too long.

And I've seen what happens when people stay in that place too long.

That's why I built the Simplify → Plan → Protect process.

That's why I built the Simplify → Plan → Protect process.

Most people don’t delay planning.They delay deciding.

Most people don’t delay planning.They delay deciding.

Clarity doesn’t arrive on its own.

It’s created.

Clarity doesn’t arrive on its own.

It’s created.

My Ethos

Clear decisions over fast decisions

Independence is non-negotiable

Fair, transparent charging

Confidence that enables life

My role in the process

My role in the process

Who I work best with

Who I work best with

I’m an independent, whole-of-market financial planner and FCA regulated.

Frequently Asked Questions

Regulation and independence

FCA Firm Reference Number: 629749

Independent, whole-of-market financial advice

Advice is based on what makes sense for you — not a product or provider

There is no obligation to proceed beyond the initial planning stage

I work independently so I can remain personally involved, keep client numbers intentionally low, and give each family the clarity and time they deserve.

If this way of thinking resonates

You don’t need to have everything figured out.

Clarity usually starts with a simple conversation.

If this way of thinking resonates

You don’t need to have everything figured out.

Clarity usually starts with a simple conversation.

Retirement planning is the
foundation of wealth transfer.

Retirement planning is the
foundation of wealth transfer.

That's why I built the
Simplify → Plan → Protect
process.

That's why I built the
Simplify → Plan → Protect
process.

Most people don’t delay planning.

They delay deciding.

Most people don’t delay planning.

They delay deciding.