Independent, Chartered financial planning. We work out what your money needs to do, then build the plan that does it.
Speak to an adviserFour steps. The first one is free, takes half an hour, and commits you to nothing.
You tell us what you are trying to do. We tell you whether we can help, how we would go about it, and what it would cost. If we are not the right fit, we will say so.
Pensions, investments, property, business interests, tax position, what you owe. We gather all of it, including the pension from three jobs ago that nobody has looked at since.
A cashflow model showing what your money does over the next thirty years, stress-tested against the things that could go wrong. The recommendations follow from it, in writing, in plain English.
Your life changes and so does tax law. We meet regularly to adjust the plan, and you can see where everything stands on Helix in between.
The questions people arrive with, and the work behind answering them.
How much will I need in retirement?
Retirement and pensions. Consolidating old schemes, working out the income you will actually live on, and putting a date on when you can stop.
Am I saving and investing enough?
Cashflow modelling. Your income, savings and investments mapped over decades, so you can see whether you are on course, and whether you can afford to help the children now without running short later.
How much tax am I going to pay to HMRC?
Tax. Minimising the bill by using your ISA, pension, dividend and capital gains allowances in full, and structuring income and gains across the family where that helps.
How can I pay less inheritance tax?
Estates and trusts. Gifting, trusts and how the estate is structured, so more of it reaches the people you intended and less is lost to IHT.
What happens if I cannot work?
Protection. Cover for your income, your family and your business, sized to what would genuinely go wrong.
What happens if I sell my business?
Exit planning. Structuring the sale tax-efficiently, and making sure the proceeds have a job to do from the day after completion.
Turning what you have built into an income that does not run out, and working out when you can actually stop.
You are earning well and have no time to manage any of it. We take that off your desk and put the money to work.
Most of your wealth is tied up in the business. We plan for the sale, and for the thirty years that follow it.
Reducing what the taxman takes, and making sure the rest reaches the people you meant it to reach.
Bereavement, divorce, sickness, redundancy. The moments a plan has to be rewritten, usually at the worst possible time.
Getting the foundations right early, while small decisions still have decades to compound.
One fee structure, published in full. Because we built our own platform rather than renting someone else's, clients pay 20-40% less in platform fees than they would elsewhere. You will know the number before you commit to anything.
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“They listen and take the time to fully understand what is important to you and your family, so that the advice best meets your needs at the time and in the future.”Clive B., a client for over 15 years Watch client testimonial videos →
Two things. First, we can recommend products from across the whole market. We are not tied to a provider, an insurer or a parent company's list, so a recommendation is simply the closest fit we can find for you.
Second, the firm is owned entirely by the people who work in it. In an industry busy consolidating, that is a deliberate choice, and it means nobody outside this building has a say in the advice you get. We also invest our own money the same way we invest yours.
Chartered is the benchmark standard in UK financial planning, set by the Chartered Insurance Institute, and it covers qualifications, ethics and business practice rather than just exams. We are Chartered and CISI accredited, and our advisers sit in the top 5% of the profession for qualifications.
In practice it means the person advising you on a pension transfer or an estate has demonstrated they are qualified to do it.
The two terms are used interchangeably across the industry, but there is a real distinction. Advice usually means recommending a product: a pension, an ISA, a protection policy. Planning starts a step earlier, with what you actually want the money to do, and only then works out which products deliver it.
We do both, in that order. The plan comes first, and every recommendation has to trace back to something in it.
It depends on the complexity of the work and the size of the portfolio. Rather than quote case by case, we publish the whole fee structure so you can check the numbers before you speak to anyone.
No. We review what you already hold and move things only where there is a clear reason to: lower charges, better suitability, or simply getting five forgotten pensions into one place you can see. Anything already doing its job can stay where it is.
A year by year forecast of your income, spending, savings and investments, running to the end of your life rather than the end of the tax year. It answers the questions a portfolio valuation cannot: whether you can afford to stop at 60, whether you can help a child buy a flat, what happens if markets fall the year you retire.
We build one for every client and revisit it at each review, so the plan reflects what has actually happened rather than what we assumed would.
A formal review at least once a year, more often if your circumstances call for it, plus whenever something changes: a sale, an inheritance, a Budget that affects you. Between meetings you have your adviser's direct line and your full position on Helix, at any hour.
A first conversation with an adviser about where you are now and where you'd like to be.
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