'Voted Citywire NMA's Top Financial Adviser in London in 2024, 2025 and 2026'

TimeMoney is moneytime.

A financial planner and investment manager for those who’d rather be doing something else.

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About us

We came from some of the biggest names in finance. In 2000, we left to build the kind of firm we’d want to deal with ourselves.

Citywire #1 Financial Adviser in London FT Adviser Top 50 Boutique Financial Advisers in the UK
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What we do

The IQ team
Top financial adviser in LondonVoted in 2024, 2025 and 2026.Citywire

Financial Planning

Retirement, tax, cashflow and estate planning, built around what you actually want the money to do.

How financial planning works →
Peter Lowman
18+ years track recordEvery investment strategy has outperformed its benchmark since inception.

Investment Management

Investment decisions made by experts, with your wider financial picture in mind.

How we invest →
No third-party platformClients save 20-40% on platform fees compared with other advisers.

Helix

We built our investment platform and app ourselves, based on what our clients said would make life easier.

Have a look at Helix →

Who we work with

More than one generation

School fees now, first homes later, and what eventually passes down. Planning that accounts for everyone, not just you.

  • Inheritance tax planning
  • Gifting
  • Intergenerational wealth planning
  • Trust planning
  • Estate planning
How we help families →

Making it last

You’ve stopped earning and started spending. The question changes from how much can I make to how long will it last - and that needs a different plan entirely.

  • Retirement income
  • Pension consolidation
  • Cashflow planning
  • Tax planning
  • Estate planning
How we help retirees →

The business, and everything after it

Most of your wealth is tied up in one thing. We plan for the exit, and for what the money needs to do once it’s no longer a company.

  • Business exit planning
  • Pension planning
  • Tax planning
  • Liquidity event planning
  • Protection
How we help business owners →

Earning well, no time to think about it

High income, long hours, and a pension you set up years ago and haven’t looked at since. We do the looking.

  • Pension planning
  • Tax-efficient investing
  • Cashflow planning
  • Protection
  • Wealth structuring
How we help professionals →

When something changes

Divorce, inheritance, a sale, losing someone. The moments when the plan has to be rewritten, usually at the worst time.

  • Divorce planning
  • Bereavement planning
  • Inheritance planning
  • Redundancy planning
  • Protection reviews
How we help at life events →
Helix

Every account, every plan, every document. One place.

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Objectives

3 of 4 goals on track

Retire at 62 with £80k income On Track
Fund university for Emily Needs review
Pay off buy-to-let mortgage On Track
Build 12-month cash buffer On Track
Next review 14 September 2026
Best & Worst Contributors

Holdings with the greatest positive and negative impact on performance

%£
TopBest & Worst
Best 5Return
iS
iShares UK Dividend UCITS ETF GBP
+4.7%
V
Vanguard FTSE 100 UCITS ETF Acc
+3.9%
F
Fidelity Index US Fund P Acc
+3.8%
iS
iShares Edge MSCI World Quality
+2.4%
A
Artemis UK Select I Acc
+2.1%
Worst 1Return
A
Artemis SmartGARP Global Emerging
−0.5%

What our clients say

“Not necessarily the biggest - but the best! Before switching our investments to IQ I had spent 10 years as a client of two of the UK’s largest wealth managers, with approaching £200bn assets under management and almost a quarter of a million active clients. Petronella and her team by far outclass them both - in financial performance, investment advice and customer service. I’d have been a happier and wealthier man if I’d switched sooner!”
Geoff B.
“Recommended to me by a friend, who happens to be a wealth manager for a very large profile company. IQ took on my pension. They have a refreshingly professional and transparent approach to all dealings. I have utter confidence in them to manage my portfolio. It’s been through pandemics and ongoing conflicts. I have never doubted its security. As my friend said, ‘you won’t find any sharp suits or winkle pickers at IQ’.”
Dean P.
“I would have no hesitation in recommending IQ. I have been a client of theirs for over 15 years and have always found the team to be very professional and the service that they have provided has been second to none. They listen and take the time to fully understand what is important to you and your family so that the advice and financial planning they provide best meets your needs at the time and in the future.”
Clive B.
“I continue to be impressed by the ongoing expertise, professionalism and customer service that the IQ team apply to my finances and the changing tax, pension and inheritance regime within which they are managed. Their attention to detail, as well as knowledge of how I can optimise my situation, continues to provide reassurance in changing and uncertain times.”
Andi B.
“IQ have been excellent. Very knowledgeable, and their advice is clear and very relevant to what we are trying to achieve with our finances. The team is very responsive and the IQ app is a game changer in terms of speedy and easy communications. Also Petronella, Melissa and the team are fun to work with - makes dealing with money matters a little less dry!”
Fiona F.
“I’ve had an excellent experience working with Investment Quorum. They are not only highly knowledgeable and experienced, but also genuinely committed to understanding my financial goals and helping me achieve them. Their guidance has been clear, practical, and always tailored to my unique situation. I especially appreciate their proactive communication, regular updates, and willingness to answer any questions I have, no matter how small.”
Guy B.
“Not necessarily the biggest - but the best! Before switching our investments to IQ I had spent 10 years as a client of two of the UK’s largest wealth managers, with approaching £200bn assets under management and almost a quarter of a million active clients. Petronella and her team by far outclass them both - in financial performance, investment advice and customer service. I’d have been a happier and wealthier man if I’d switched sooner!”
Geoff B.
“Recommended to me by a friend, who happens to be a wealth manager for a very large profile company. IQ took on my pension. They have a refreshingly professional and transparent approach to all dealings. I have utter confidence in them to manage my portfolio. It’s been through pandemics and ongoing conflicts. I have never doubted its security. As my friend said, ‘you won’t find any sharp suits or winkle pickers at IQ’.”
Dean P.
“I would have no hesitation in recommending IQ. I have been a client of theirs for over 15 years and have always found the team to be very professional and the service that they have provided has been second to none. They listen and take the time to fully understand what is important to you and your family so that the advice and financial planning they provide best meets your needs at the time and in the future.”
Clive B.
“I continue to be impressed by the ongoing expertise, professionalism and customer service that the IQ team apply to my finances and the changing tax, pension and inheritance regime within which they are managed. Their attention to detail, as well as knowledge of how I can optimise my situation, continues to provide reassurance in changing and uncertain times.”
Andi B.
“IQ have been excellent. Very knowledgeable, and their advice is clear and very relevant to what we are trying to achieve with our finances. The team is very responsive and the IQ app is a game changer in terms of speedy and easy communications. Also Petronella, Melissa and the team are fun to work with - makes dealing with money matters a little less dry!”
Fiona F.
“I’ve had an excellent experience working with Investment Quorum. They are not only highly knowledgeable and experienced, but also genuinely committed to understanding my financial goals and helping me achieve them. Their guidance has been clear, practical, and always tailored to my unique situation. I especially appreciate their proactive communication, regular updates, and willingness to answer any questions I have, no matter how small.”
Guy B.
Watch client testimonial videos Get in touch

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