Clear financial advice, built around your future
Independent financial advice for individuals and families - helping you make confident decisions about retirement, tax and long-term wealth. Based in Southport, working with clients across the UK.
Independent advice on the key areas of your finances
Pensions & Retirement
Consolidate pensions, make the most of your annual allowance, and plan a tax-efficient income for the retirement you want.
Learn more →Tax & Investment Advice
Use your ISA allowance, pension contributions and capital gains exemptions strategically - keeping more of your money working for you.
Learn more →Inheritance Tax Planning
With IHT at 40% above the nil-rate band - and pension funds potentially entering the estate - early planning is essential.
Learn more →Cashflow Analysis
See a clear, dynamic picture of your financial future - how long your money lasts and what happens if things change.
See how it works →Protection
Many families are underinsured. Life cover, income protection and critical illness - assessed independently across the whole market.
Learn more →Estate Planning
Ensure your wealth passes to the people you care about - structured efficiently and in line with your wishes.
Learn more →When a change in life changes your finances
Some financial decisions are more complex than others. These are situations where specialist, independent advice is often particularly valuable.
Approaching retirement
The years immediately before retirement are when critical financial decisions need to be made. Pension consolidation, drawdown planning and tax-efficient structuring set the foundation for everything that follows.
Learn more → 02Passing on your wealth
With IHT at 40% above the nil-rate band - and upcoming changes to how pensions are taxed on death - planning how your estate passes to the next generation is increasingly important. Early action gives you more options.
Learn more → 03Receiving a financial windfall
An inheritance, redundancy settlement, compensation payment or business sale can change your financial picture significantly. Without a clear plan, the opportunity to make it work hard can quickly pass.
Get in touch → 04Going through a divorce
Pensions are often the largest financial asset in a divorce settlement - and frequently undervalued or overlooked. Specialist advice at the right point can significantly affect the outcome.
Learn more →From first conversation to clear recommendations
A straightforward process designed to help you decide whether to proceed, define the work that needs to be done, and move forward with confidence - with ongoing support available if you want it.
Initial discussion
A free conversation - typically 20 minutes. I want to understand where you are now, what you're trying to achieve, and how I might be able to help. No paperwork, no pressure. You leave with a clear idea of whether I'm the right fit.
Fact-find meeting
If you decide to go ahead, we meet again to discuss your situation in more detail. We go through your financial picture, priorities and preferences, and by the end of this meeting we usually know whether we'd like to work together.
Building the plan
Once we agree the scope of work and complete the client agreement, I go away and research your options thoroughly. I use everything we've discussed to build a plan specific to your situation.
Your recommendations
I present a clear written report with specific recommendations and the reasoning behind each one. We go through it together, and if you're happy, we complete any final paperwork and get things moving.
Ongoing support - because your finances don't stand still
For clients who want continued support, I offer an ongoing advisory service charged as a percentage of assets under advice. The ongoing fee funds a defined, active service - not just the ability to call me. It reflects my FCA obligation to ensure your advice remains suitable on a continuing basis, and my commitment to be proactive rather than reactive when things change.
What clients say
"I would recommend him to others with total, 100%, confidence."
"We were unhappy with our previous adviser. After meeting with John, we felt he was a more capable pair of hands."
"My wife sadly passed away, and I wanted to set a trust fund for my stepdaughter. John found a solution that exactly fit my requirements."
A clearer financial picture starts with one conversation
Book a free 20-minute call. No obligation, no jargon - just a straightforward discussion about where you are and what you're trying to achieve.