Vizion Wealth LLP

Independent Financial Adviser  16 London House, Buckinghamshire, Milton Keynes, MK11 1SY
First meeting at adviser's own cost
Experienced Chartered Financial Planners providing expert investment, retirement, protection, inheritance tax and wealth management services to individuals,trustees and business owners.
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Accident & sickness
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Critical illness
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Income protection insurance
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Life insurance
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Small business
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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Corporate pension
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Employee benefits
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Group private medical insurance
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Long term care
Response rating
9.5/10
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FCA authorised
Last authorised 19th October 2020
Meet our advisers
Andrew Flowers BA(Hons), APFS, CFP
Chartered Financial Planner

An internationally recognised financial planning credential. The holder must demonstrate a combination of experience, financial qualifications (usually AFPC/DipPFS) or equivalent, an IFP assessment, ongoing educational activity (continuous professional development) and ethical behaviour.

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

This examination assessed a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.

This examination assessed knowledge and understanding of the range of investments available for planning of pensions and to be able to apply the construction of a pension portfolio management for a client.

This examination assessed the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

This qualification enables professional advisers to develop specialist planning capabilities, covers topics like: personal tax and trust, business financial, pension and investment planning.

Associate members will have passed the institute's level 4 appropriate examination or transitional diploma examination.

Accreditations
Certified Financial Planner Chartered Financial Planner
James Blackham DipPFS
Financial Planner & Workplace Adviser

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

What our clients say
Redundancy helped by explaining options relating to pension fund management, tax treatment and mapping out future cash flows and sources Tax situation has been resolved effectively. Early days yet regarding pension fund management but happy with how things are going
Mr Steven W, Milton Keynes
I was looking for a coherent strategy to investments and pensions, my existing adviser didn't give me any confidence that there was a clear end game. Andrew did a full analysis of both my and my wife's multiple pension schemes, investments and income and provided a detailed breakdown of each investment. From there he helped us plan an investment/pension portfolio that will give us the income we need when we retire. He helped us amalgamate most of the investments into the Transact investment portfolio which gives us a single place to monitor our investments which is the first time we have ever been able to get a clear picture. Being able to see a clear analysis of all our investments has been a revelation. It gives us a great way of planning for the future. Andrew's understanding of our aspirations and income coupled with his huge wealth of experience in investments means that as I near retirement age I am not worrying whether I will have enough invested for the future.
Mr Andrew L, Rochdale
Change of employment circumstances - from employed with a full final salary pension to self employment. Took time to understand my needs and then properly challenged some assumptions; but did so in a way that was supportive and helpful. In the first couple of months of investing but all seems sensible and his advice to put things through my company has proved very tax efficient and saved me over £15 a month on life insurance that I would not otherwise have got.
Mr Thomas W, Stony Stratford
I wanted to plan for my financial future. Andrew understands that the most important thing is to understand what the client actually wants. By listening and asking the right questions identified my long-term goals and aspirations. By using his expertise and knowledge he then formulated the most appropriate strategy to achieve these goals. I am very happy with all the recommendations Andrew has made to me so far. The service of greatest value offered by Andrew and Vizion Wealth is their ongoing commitment to ensuring my strategy remains on track so I can be confident that I will achieve my long-term goals.
Mr Will B, Buckingham
Planning for income in retirement. He made sure I had a clear and achievable plan in place that has helped me realise a comfortable and active retirement after a hectic career managing various companies in the UK and overseas. Without the help of Andrew and Vizion Wealth my retirement could have been completely different. Having enjoyed retirement for a number years, the income from my portfolio has allowed me to continue to travel and enjoy retirement.
Mr David C, Potterspury
I wished to consolidate different investments and pension schemes with a view to creating an early retirement structure. 1. easy transfer of host of existing schemes, 2 provision of excellent advice, 3, provision of consolidated overview of finances, 4. ability to size the gap to objectives and create strategies to close. Yes, nicely consolidated structures and gap closed.
Mr Bob L, Bedford
Looking for retirement advice and a pot of money that I needed to invest to at least keep up with inflation and be a source for future income. He reviewed my year's income and tax and advised me on how I could invest in a portfolio that would be an investment for the the future and also reduce my the tax I had paid. The whole process and explanation on what could be done and how the investment funds were spread was carried out in clear simple terms that I could understand. The first stage of the investment portfolio is in place and the results so far are as projected.
Mr David F, Milton Keynes
I have complex investment requirements and needed someone with who could deal with these and give me a high level of personal service. He carried out and in depth review to get to know my circumstances and prepared a detailed report and recommendations which he took me through so we could agree the best way forward. Yes. The plan has exceeded my expectations and my investments have out performed the market.
Mrs Wendy B, Buckingham
I wanted advice on how best to invest my savings and for pension advice. He helped me to plan financially for the future, taking into account my current financial position and what I hope to achieve financially in the short and long term. I am very happy with the outcome so far.
Miss Anna B, Buckingham
I had a number of occupational schemes from the past that I wanted to consolidate and achieve better returns from a more aggressive investment strategy. He accumulated the detail of my schemes and provided me with an excellent appraisal of the best approach for each scheme, which resulted in me keeping a final salary scheme but moving three schemes into open architecture platform which would allow me to achieve my investment goals.
Mr Will A, Milton Keynes
Andrew conducted a thorough review of our finances, and did a huge amount of work sorting through the many pensions and assurance policies we have accumulated over the years. He asked us to consider our financial objectives for the future and identified gaps and savings we hadn't even considered. He spent a lot of time explaining various options to us and did so in a way that was easy to understand. He clearly explained risk factors and together we came up with a financial strategy that is so detailed we can see how our economic situation should look at any point in our, and our children's futures. Thanks to Andrew we now have a clear picture of our financial situation and much improved, and better value Life Assurance policies to replace the inadequate protection we previously had in place. We were extremely impressed with Andrew from the start of our first meeting and he continues to be on hand with prompt advice when we need it or have a change in situation. He's a really nice guy, we trust him implicitly and cannot recommend him highly enough.
Mr & Mrs Nigel & Diane M, Kirk Ireton
Excellent all round service. I hardly think where I would be now financially if I had not "found" Andrew Flowers. He has given me excellent advice . If I have any queries He answers them in words which I can understand. After 8 plus years I now regard him as a friend as well as my financial adviser.I have no hesitation in recommending Vizion Wealth and Andrew Flowers.
Miss Jean R, London
Andrew has dealt with our financial affairs for well over ten years. We have built up such a good relationship that every time Andrew moved we moved with him (after a discreet passage of time). We have always been very happy with his work and would have no hesitation in recommending him
Mr & Mrs Eric & Anthea H, High Wycombe
I have complete confidence and trust in Andrew's advice and know that he always endeavours to find exactly the right solution for my personal needs. He is a true advisor with his clients' best interests at heart. He is very good at looking at the overall picture and considering the best timing to take action or not. He provides a carefully considered planning and advisory service and - very importantly - is always happy to discuss related issues when needed.
Mrs Christine A, Welford
We have been with Andrew since the start of his business,our investments have increased in value every year, we meet every six months to update the plan and he carefully explains how he would like to move the plan forward , adhering to our level of risk, but changing the plan to adapt it to maximise future returns. He always listens to our concerns and adapts the portfolio to fit into our future spending plans. He clearly has a very good understanding of the markets and the products available that best suit our needs.
Mr Paul A, Milton Keynes
I needed help and advice after the death of my husband Andrew has helped with restructuring my portfolio, setting up an Education Fund for grandchildren and IHT planning There is probably still some IHT planning to complete but at present I am very happy with the way the portfolio is set up and working.
Mrs Jacqueline P, Ely
Since Andrew left his previous advisory firm I was dissatisfied with their lack of personal communications, I needed to talk to an adviser in person who would take time to explain everything to me. I eventually tracked Andrew down. Andrew came to visit me and as he had initially set up my investments he again took control and explained everything I needed to know, and reinvested my money as I intended to retire. I am very happy with my investments that have been tailor made for my future retirement.
Mrs Kate H, Ampthill
We looked into changing our financial arrangements so that we had sufficient protection for ourselves in the case of an accident, injury or loss of income. We were also looking to ensure that we had sufficient pensions and savings to cover us in retirement as well as the expected expenses what our growing children would expect to incur in the future such as marriage and their first house purchases. Andrew met with us both and reviewed our current financial arrangements. A very thorough review generated some interesting options where we were clearly shown what was and wasn't working for us in our current arrangements. We were able to clearly understand a path forward and stopped some policies that had not provided any where near the returns expected to date and where we benefited from moving these funds under other arrangements that we either had in place or where introduced to by Andrew. We found Andrew to be very knowledgeable and honest with the advice we were provided. At no time did we feel pressured into doing anything and where our arrangements were working currently he recommended that we leave them in place. We are a busy family so the fact that Andrew was able to fit in with us for face to face meetings was really appreciated. We have reaped some benefits already and can see the returns generating on the overall investments that have been made. We feel that we are much better protected for the future and the continued review of our arrangements means that we feel much more comfortable in moving policies to protect us for the future.
Mr Kulvinder R, Milton Keynes
I wanted to start a small investment portfolio with an existing pension pot that I was no longer contributing to and was interested in financial protection products. Andrew provided a personal visit at home, explained the options clearly and concisely and assisted with setting up the relevant plans and policies. I am currently looking at longer term gains however the wrap is performing as expected if not slightly better.
Mr Sam T, High Wycombe
About us

Vizion Wealth LLP offer truly independent chartered financial planning and wealth management services to individual clients, trustees and business owners. With over 50 years of financial services experience in some of the leading advisory and wealth management firms in the UK, our vision is to provide high levels of financial expertise and exceptional ongoing personalised service combined with award winning wealth management tools to ensure we deliver robust strategies for you to meet your financial and life goals sooner than you think. We look to build close relationships with all our clients, ensuring we adapt to a client's changing position and objectives over time. We aim to become a client's trusted adviser and are ideally positioned to provide clients with a highly professional and personalised financial planning and wealth management service to meet your needs.

Our services

We're passionate about financial planning and listening to clients before acting. As a Vouchedfor UK Top 250 adviser, we would like to provide you with a free initial no obligation financial review to discuss your needs.

Where to find us
Head office address: 16 London House, Swinfens Yard, High Street, Stony Stratford, Buckinghamshire, Milton Keynes, MK11 1SY
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
  • icons
    Face to face
Response rating
9.5/10
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FCA authorised
Last authorised 19th October 2020

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