Guidance from a financial adviser in the UK for a flat fee
91% of UK people don’t have a financial adviser
This is because advice is either unaffordable or unattractive so we’ve created a financial guidance service (not advice) to give you most of the value of an adviser for a fraction of the price.
Improve your finances with professional help
Choose from two levels of support
One-off
Best option if you have one or two financial decisions you want help with
What you get
30-minute introductory call
60-minute planning session
Written report inc cashflow forecast
Unlimited
Best option if you have multiple decisions to make or want a full financial plan
What you get
Unlimited guidance for a year (really)
Get a complete financial plan
Editable cashflow forecast
Make the most of your key finance levers
Pensions
Investing
Tax
Property
Planning
This is for people in two groups
Either:
You’re in the wealth-building phase of life, meaning you’re up to about 50 years old and you have less than £250k in investable assets (everything but your home), or
You have >£250k in investable assets but you want to keep managing your money rather than an adviser. Even so, you’d still like a professional to check your plan and make sure you’re not missing anything important.
If you have over £250k in investable assets and are looking for someone to manage your money for you, then our advice introduction service might be better for you.
Feel good about your financial plan
Yes, a good financial adviser should be able to guide you to more wealth quicker and easier.
But beyond that, they can help you feel better about money because you’ll know you’ve got a solid financial plan that’s been checked by a professional.
Most of the value of a financial adviser for a fraction of the price
The way advice normally works in the UK is that advisers charge a percentage of your assets (that they manage).
This means you need to have a large amount of assets (often over £250,000) for an adviser to take you on as a client.
And because advisers generally charge fees of about 1% and up, you can see how most people in the UK are paying thousands of pounds a year for advice.
So we’ve designed our guidance service to give you 80% of the value of a financial adviser for 20% of the price.
In, fact, we’re so confident that if you don’t think it’s worth it after your first planning session then we’ll give you a full refund.
This is for guidance not advice
These are weird finance terms (classic) but there are important differences.
The main limitations of guidance are that an adviser can’t make specific investment suggestions and they can’t manage your money.
With guidance you are still making all your decisions but you have an adviser to check your plan and make sure you have all the information to make a good decision.
All our advisers can of course give you advice but that’s a different, more expensive service because it requires a lot more work (partly thanks to the regulations).
"I needed clarity and a sense-check on my plan. Like many people, I was stuck and watching time go by without any action when it came to my finances. Will and Tom (at Most) helped me feel at ease with my plan and made me accountable. I now have an idea of what I am aiming for and what I may need to earn and invest to get there." Tom
“I'm very glad that I was recommended this great initiative, which would not normally have been available to me.” Olivia
"My chat with Tom was really helpful. He was able to give some really smart ideas on how best to use each of my ISA, SIPP, and GIA (General Investing Account). I learnt a lot from the session and as such I have implemented his good ideas already!" Rohit
