Financial Planning Advice Services

A qualified financial adviser reviews your personal circumstances, understands your financial goals, and recommends the right financial products to help you reach them. The benefit is that the plan is built around your life, not a generic model. A good financial adviser makes sure the plan fits your financial goals and your situation.

Our advisers at Prescient Wealth & Estate Management are registered with the Financial Conduct Authority and hold a minimum of Level 4 qualifications. Every adviser holds a current Statement of Professional Standing and completes at least 35 hours of professional development each year to stay up to date.

Free guidance services can point you in the right direction, but guidance is not regulated advice. A guidance service cannot recommend specific financial products or tell you what to invest in. A regulated financial adviser can, and that distinction matters when decisions affecting your financial future are on the table.

Our financial planning service covers your pay, your investments, your pension arrangements, your tax position, and your financial goals before any recommendation is made.

Independent financial advisers consider the whole market. Restricted advisers can only recommend products from a limited range or provider. That difference can affect the range of options you are shown.

At Prescient Wealth & Estate Management, we offer independent financial advice across the market. We explain how we are paid before you proceed.

We work across a broad range of financial planning disciplines, from pensions and investments to tax planning and estate structuring. Each service has its own dedicated page on our website with further information and full details. Our advisers are qualified across each of these areas.

Financial Adviser Service for Individuals and Families

Our financial adviser service covers your finances end to end. We look at where your money is now, where it needs to go, and the most efficient route to get it there.

Taking advice can help you understand your options and plan for the future, although outcomes cannot be guaranteed. A financial adviser can discuss your options with you and review your plan as your circumstances change.

Pension Advice to Keep You on Track for Retirement

Pension withdrawals across the UK exceeded £70 billion in a single year, yet around one-third of UK adults have less than £10,000 in pension assets. The decisions around pension transfers, drawdown, and tax-efficient income require careful thought. Our pension advisers plan this from the outset.

We discuss your existing pension arrangements, model different scenarios, and give you a solid financial plan for what a comfortable retirement looks like in practice. Getting pension transfers wrong can mean you lose money, so the advice here matters enormously.

Savings Advice to Build a Strong Safety Net

Around 9 million people in the UK have no accessible savings at all. One unexpected bill can tip a household into difficulty.

We help you plan your savings structure, matching the right accounts to your timescale and tax position. Whether you want to save for an emergency fund or to build a base for your investments, our savings advisers give you a clear plan and practical guidance to follow it through. Research shows that even modest savings set aside with a plan significantly reduce stress and improve long-term financial wellbeing.

Investment Advice Based on Your Goals and Attitude to Risk

More than 60% of people with over £10,000 of investable assets keep most of their money in cash rather than investments. Inflation can reduce the value of cash over time. Investing may offer the potential for growth but involves risk, and you could get back less than you invest.

Our investment advice service builds and manages a portfolio that fits your attitude to risk, your financial goals, and your time horizon. Good investment advice is not about chasing returns. Our investment advice gives your money a clear direction and a plan to follow. It is about building a disciplined plan designed to reflect your goals and attitude to risk. Our advisers explain exactly what you invest in, the cost of each element, and what the plan is for your investments going forward.

We can also discuss different financial products across the market, from equities and bonds to multi-asset funds, to identify products that may suit your circumstances.

Retirement Planning Advice for the Long Term

Many people spend more time planning a holiday than planning how to fund the next chapter of their life. For most people, retirement is the longest financial project of their life. Our retirement planning service looks at every source of money available to you, including pensions, savings, and investments, and models your options clearly. Our advisers help you decide how and when to access your money in the most tax-efficient way, so we plan carefully before you invest a penny.

Estate and Trust Planning to Protect What You Have Built

Inheritance tax planning can be complex, and specialist advice can help you understand your options. Tax and estate planning are not regulated by the FCA, and tax rules and their effect depend on your circumstances. Without a clear plan, the assets built over a lifetime can be significantly reduced before they reach your family.

Our estate and trust advisers plan around estate structures, trusts, gifts, and available allowances to help you pass on what you have worked for in the most efficient way. This requires both financial expertise and sector knowledge, which our advisers bring to every case.

School Fees Planning

Private school fees have risen significantly. Many parents want to give their children that opportunity but are not sure how to fund it.

Our school fees advisers help families plan how to fund school fees using existing assets and tax-efficient vehicles where appropriate. Tax treatment depends on individual circumstances and may change. The earlier this is discussed with our advisers, the more options there may be.

Hourly rates run from £100 to £350, with the national average around £150 per hour. What you pay depends on the complexity of your situation and the service you need. Initial advice fees typically fall between 1% and 3.5% of assets, with ongoing advice fees averaging 1% per year. A flat fee for a specific piece of work usually ranges from £500 to £5,000 depending on complexity. Some clients pay a flat fee for a defined scope; others prefer an ongoing arrangement covering reviews and adjustments across the year.

We discuss what you pay and why before any work begins, so there are no surprises later.

**Please note this is a rough guide and the actual cost will vary based on your financial situation, the complexity of advice required, and the service you choose. We keep an updated price list on our financial planning fees page but you need to contact us for an accurate quote.

Nearly one quarter of UK adults have low resilience around money. One of the strongest predictors of financial resilience is not income alone. It is having a plan. When your investments are working, when you know what you are saving for, and when your financial future is properly accounted for, daily uncertainty begins to lift. Having a plan can help you understand where you stand and what you are working towards.

Our advisers help you build a plan so that you can save and invest with clear purpose.

Our financial advice starts with an initial meeting, either in person or via video call, wherever suits you. In that first meeting, our advisers at our estate and wealth management company discuss your full financial situation. Where you are now, what you want to plan for, and what is holding you back. There is no obligation at that stage.

We prepare a written recommendation that sets out exactly what we advise and why, and how we advise you to proceed, with full details of fees, charges, and the service included. If you choose to proceed, our advisers implement the plan and review it regularly. Our ongoing advice service means you always have access to advisers who know your finances and can respond when your circumstances change. We also connect via video call when an in-person meeting is not practical.

All advisers at Prescient Wealth & Estate Management are FCA-registered. Every financial planner holds at least a Level 4 qualification.Our advisers hold a current Statement of Professional Standing, which is renewed annually to keep their knowledge current.

If a complaint cannot be resolved directly, you have the right to refer it to the Financial Ombudsman Service. You can also claim compensation through the Financial Services Compensation Scheme if you have suffered a loss from regulated advice. Visit our website for full regulatory details. You can also check our advisers on the FCA register from our website before you decide to get in touch.

We work with a wide range of clients. Some come to us with a lump sum and want to know where to invest it and how to structure those investments sensibly across the right asset classes. Others need to get their pension strategy and investments in order before they stop working. Some are business owners thinking about income protection, critical illness cover, or how to manage a redundancy payment. Whatever your starting point, your dedicated financial adviser takes time to understand your personal circumstances before giving you any advice.

Advice can help you consider your options and reduce the risk of avoidable mistakes, although investments can still fall in value.

The first step costs you nothing. Prescient Wealth & Estate Management offers a free initial consultation. You get to speak with a qualified financial adviser, find out what you would pay, ask anything you want, and get clear, honest financial advice from a qualified professional.

Many clients find the first meeting a useful way to decide whether we are the right fit.

If you are ready to plan with confidence, get in touch with us today. Let us show you what a well-structured financial plan looks like, how our advice works in practice, and how it can benefit you and your family for years to come.

Important: The value of investments can fall as well as rise, and you may get back less than you invest. Tax treatment depends on your individual circumstances and may change. Tax and estate planning are not regulated by the Financial Conduct Authority.