Guidance from a financial adviser in the UK for a flat fee
Most people in the UK make big financial decisions alone
Sometimes that’s ok but at other times you want to speak to a professional so we’re making it easy to get support from financial advisers when you need them.
If you’re going through a big transition, have important financial decisions to make, or just want to check that you’re on ‘the right’ path then we can help.
An adviser to help you make the most of key life moments
How it works
You’ll have an introductory video call with your financial adviser who will learn more about you, your finances and what you want to achieve.
You’ll have a planning session where your adviser will help you navigate your key decisions, answer your biggest questions, and explain how you can make the most of your money.
Your adviser will create your cashflow forecasts showing the path that you’re on (e.g. can you retire at 60?) and highlight any key changes you can make now to improve your future.
Choose from two levels of support
One-off
30-minute introductory call
60-minute planning session
Copy of cashflow forecasts
Follow up with written report
Unlimited
You get everything in ‘One-off’ but you get unlimited guidance and planning. You can speak to your adviser as much as you want.
Plus you get editable access to your cashflow forecasts so you can log in and make changes (or ask your adviser to).
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.
80% of the value of a financial adviser for 20% 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).
What people say
"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