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Our services

As a firm of Chartered Financial Planners, our focus is on financial planning. 

We consider your objectives, needs and aspirations alongside your financial and personal circumstances, and use this information to construct a financial plan.

Using our cash flow planning software, we analyse your assets, investments, debts, income and expenditure to give you a detailed forecast of how your wealth might change over your lifetime.

We help you plan and adapt to real-life events, before, during and after they happen. It’s interactive and collaborative, meaning we can work together to help you make smarter, more tangible financial decisions.

Cashflow planning

Whatever financial questions you may have, our cash flow planning software can help.

We run multiple ‘what if’ scenarios to demonstrate to you how the decisions you make now will impact your financial future, enabling us to create an accurate financial framework that should be regularly reviewed with us as your life changes.

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Our role is to design and monitor a strategy to meet your objectives as tax efficiently as possible. As a result of this strategy, there is often a requirement for investment management, alongside tax planning and income management.

We use a range of investment management solutions, but our core portfolios are managed in partnership with Square Mile Investment Research.

PR&W have created a series of portfolios for different individual requirements. PR&W are fully responsible for the investment advice, but we have engaged with Square Mile – who have a significant team of analysts, highly qualified portfolios managers and greater investment management resources – in order to carry out the fund research and manage the portfolios within the mandates we set.

We offer a range of investment portfolios, covering the requirements of our clients. 

We offer all new clients an initial meeting which is at our expense and without any obligation. This would typically take place in our offices in the City of London.

We charge fixed fees for our initial advice, which will be determined by the complexity of the situation and the level of service you require. We charge a fee for the advice, which would be payable whether or not you proceed with the recommendation, and a separate implementation fee, if you decide to proceed.

We typically charge an ongoing fee equal to 0.75% per annum of the value of the portfolio. For example, if you invest £400,000, the ongoing fee will be £3,000 per annum. Because the fee is percentage-based, as the portfolio size increases, so will the fee payable.

In addition to our ongoing fees, there will also be fees payable for investment management and financial products, such as platform costs.

If you would like more detailed information about our terms, please refer to our terms of business.

Where you have a complaint or dispute with us, and we are unable to resolve this to your satisfaction, then you have the right to refer your complaint to the Financial Ombudsman Service to help to resolve this. Please see the following link for further details: or call them on 0800 0234567 .