Unlimited guidance from a financial adviser for a flat fee
Most people in the UK miss out on a lot of money
And we don’t know what we’re missing or doing wrong with our finances until someone tells us.
This is where a financial adviser can help but advice isn’t affordable or attractive for most people in the UK.
We want to change that by offering you unlimited guidance from a financial adviser for a flat fee so you can feel confident that you’re doing the right thing with your money.
Professional support to build your wealth
How it works
You’ll be matched with your own financial adviser who will learn more about you, your finances, your life goals etc.
You’ll arrange your first planning session which will take place over a video call where your adviser will explain the different ways you can make the most out of your money so you can build long-term wealth.
Your adviser will create your personal financial plan to maximise your wealth, answer your biggest money questions and create your cashflow forecasts which you can use to figure out big decisions like when you can retire or if you can afford to pay for your children’s university.
You can get unlimited guidance from your adviser over email, phone, video calls etc. so whenever you have a question you can just reach out.
Every year you’re subscribed you’ll get a new major planning session to see how you’re doing against your plan and make adjustments.
Navigate your life-changing financial decisions
Pensions
Investing
Tax
Property
Retiring
This is for people in the wealth-building phase of life
Meaning people who are up to about 50 years old and who have less than £250k in investable assets (everything but their home)
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 have said about our guidance service
"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