Wealth Matters Limited

Independent Financial Adviser  Enterprise House, Harpenden, Hertfordshire, AL5 3BW
First meeting at adviser's own cost
Award winning, UK top 100 professional financial planning firm. Celebrating 20 Years of helping our clients achieve financial freedom.
We can advise you on
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Annuity purchase
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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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Wealth management
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ISA / Unit Trusts / OEICs
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Investing for income
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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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Critical illness
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Healthcare
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Income protection insurance
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Life insurance
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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
Response rating
10/10
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FCA authorised
Last authorised 15th January 2020
Meet our advisers
Joanne Scott
Independent Financial Planner

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.

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

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

This examination assesses a knowledge and understanding of investment products and the risks involved.

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.

Esther Walker
Financial Planner
Bruce Nash BEng (Hons) CFPcm
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.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

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

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.

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

This qualification is a specialist qualification which demonstrates a knowledge and understanding of Financial Markets, Portfolio Construction Theory and Applied Wealth Management.

Accreditations
Certified Financial Planner Chartered Financial Planner
Julian Gilbert BSc (Hons) CFPcm
Director & 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.

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

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

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 basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

At the end of this unit, candidates should be able to demonstrate an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.

This qualification is a specialist qualification which demonstrates a knowledge and understanding of Financial Markets, Portfolio Construction Theory and Applied Wealth Management.

Accreditations
Certified Financial Planner Chartered Financial Planner
What our clients say
“Julian understood my situation and listened very carefully to what my aims and goals were from a financial point of view. After he collated all the information that he required I was given a very thorough report with advice on planning for my financial future. All charges/fees mentioned in the report were explained to me in a simple way during our meeting. I would say that Julian’s knowledge when it comes to financial planning is excellent. He takes the time to make sure that every aspect is understood.”
B. Parmar, Surrey
“I’ve spoken to several financial advisers over the years, but Bruce from Wealth Matters seemed different from the start. He was the first to mention investing in index-trackers, which have always appealed to me because of their low charges, and I was also impressed when he analysed my pensions and very honestly advised that one that should be left as it was, due to some special arrangements that would be lost if I moved it. Since then Wealth Matters have managed all of my ISAs and pensions, and I’ve recommended Bruce to several friends who’ve needed financial advice.”
Jon Sayce, London
About us

Our team of four highly qualified planners have over 80 years combined experience in the profession and are well-placed to provide bespoke solutions and regular reviews. They understand that clients have differing levels of knowledge and experience and we strive, as part of a successful advisory relationship, to tune in to each unique individual to work in a way that ‘speaks’ to them. This may involve financial coaching, where needed, to help you stay on track.

Our experience of complex tax issues and designing investment strategies means that you don’t need to be an expert to gain from the benefits.

Our advisers work with specialist researchers, known as Paraplanners, as well as an excellent administration team to help keep everything organised and running smoothly. The whole team works closely together to provide you with a great experience…

…And if that was not enough, Wealth Matters is one of only 76 Accredited Financial Planning firms in the UK and has been voted a top 100 Financial Planning Firm for the last 3 years by a leading industry publication, New Model Adviser.

So there is no doubt you will be in safe hands.

Our services

We create bespoke financial plans for our clients.
We specialise in working with clients who have multiple financial planning requirements and we focus on giving best advice with integrity, excellent client service and communication - putting your interests first.

Where to find us

Enterprise House, 5 Roundwood Lane, Harpenden, Hertfordshire, AL5 3BW

Preferred clients
Minimum wealth (income/assets)
£250,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
10/10
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FCA authorised
Last authorised 15th January 2020

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