Financial Planning

We start with you, by answering your questions

Will I have enough to live on?

Can I afford to help my children?

Can I afford my dream holiday?

When can I retire?

How can I grow my wealth beyond the bank rates?

You will receive a full financial health check

This will give us a much deeper understanding of you so you can benefit from our expertise.

Income & expenses

Does what's coming in, cover what's going out?

Savings & investments

Am I savings and investments right for you?

Emergency fund

If the boiler breaks, can I fix it?

Estate planning

Does my will and power of attorney do what I want?

Financial goals

Can I achieve what I want?

What we can then do for you

With a comprehensive range of services, we deliver a truly holistic and tailored experience for every client. But our support doesn’t stop with you — we also ensure that future generations are considered in every plan you make.

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carousel financial planning inheritance planning

We take a personalised approach to financial planning, aligning strategies with your goals and circumstances. Whether you're planning for retirement or just starting out, our expert guidance ensures clarity and confidence. For simpler needs, our Essentials service offers streamlined support. Learn more in our Retail Client Agreement.

Cash flow forecasting

Cash flow forecasting is central to our financial planning. Using dynamic modelling, we project income, expenses, assets, and liabilities to create a personalised roadmap. Whether planning for retirement, education, or gifting, our forecasts support informed decisions. Regular reviews ensure your plan adapts to inflation, investment growth, and lifestyle changes.

Retirement planning

We guide you through pensions, savings, investments, and tax planning with clarity and care. Our flexible strategies adapt as life evolves, helping you move from uncertainty to confidence. Whether you're planning for retirement or future goals, we ensure your financial journey is secure, empowering you to retire on your terms.

Inheritance tax planning

With frozen thresholds and rising asset values, more families are unexpectedly impacted by IHT. We take an intergenerational approach to help you pass on wealth efficiently and ethically. Whether planning for loved ones or charitable giving, we guide informed decisions that protect your legacy and reflect your values.

Investment management

We focus on real returns, inflation-beating performance, and smart asset allocation, supported by strong diversification. As active owners, we engage with fund managers and companies to promote responsible investment practices. This approach helps you invest with confidence, knowing your portfolio is built with purpose and long-term resilience in mind.

Tax mitigation

Our expert team helps you navigate income tax, capital gains, and inheritance tax with tailored strategies. From using allowances to structuring investments and wealth transfers, we ensure your plan is tax-efficient. This gives you greater freedom to live well, support loved ones, and leave a meaningful legacy.

What is cashflow forecasting?

Whether it’s a new car, a home extension, university costs, the holiday of a lifetime – or any other dream you have – we’ll help weave it all into your personalised financial life plan.

Everything we do for our clients is shaped by three core principles

LIVE the life you want

Start with a life plan conversation, discover your Financial DNA, gain confidence through masterclasses, and align investments to your short, medium, and long-term goals.

Financial DNA

Look after those you LOVE

Educate across generations, simplify family wealth dynamics, ensure legal readiness, and rehearse your legacy—so intentions match outcomes and loved ones are protected.

Dress rehearsal

Leave a powerful LEGACY

Align wealth with your values through impact investing, family philanthropy, and post-business planning—creating a lasting legacy beyond financial gain.

Plant trees

Don't just take our word for it

Our clients are our greatest champions. Their trust in us shines through the countless referrals they make to friends and family—a true testament to the exceptional experience we deliver. Explore their stories and discover what makes us stand out.

Hear Brian's experience of working with us

Brian shares his financial journey, starting in his early 20s and evolving as retirement approached. Over the years, his priorities shifted, and his focus sharpened. Since partnering with Equilibrium in 2005, Brian has built a deep sense of trust in the team. He feels confident that every decision we make is aligned with his goals and risk tolerance, giving him peace of mind for the future.

Watch to find out what Louise's experince has been like so far

When Louise approached Equilibrium, her goal was clear: ensure her pensions delivered the lifestyle she wanted and invest her inheritance wisely. What gave her peace of mind was our transparent charging structure and fee guarantee, which removed any uncertainty. Beyond the numbers, Louise valued our strong ethics and the way we treat our team - qualities that set us apart and gave her confidence that her financial future is in safe hands.

David explains what he has benefitted most from

David had always been confident managing his own finances, but partnering with Equilibrium took his planning to the next level. By following our advice on shares, he avoided a potentially catastrophic loss. And when the 2008 financial crisis hit, our proactive communication and swift action helped shield him from the worst, leaving his financial future secure.

Transform financial futures

Still not sure? For peace of mind we offer a fee guarantee that:

Promises to

Refund advice fees if we fail to uphold our purpose or values.

Applies to

Equilibrium Financial Planning (EFP) fees, not to market performance or investment returns.

And finally

Guarantees the full cost of correcting any errors.

Start your journey to financial freedom

Book a consultation call

What is the meaning behind your money?