Personalised Financial Advice available for all
Are you looking for a fully tailored financial life plan?
I am a independent financial adviser at Coleridge Capital Ltd where I provide people from all walks of life with a personalised financial service to help them to achieve their life goals.
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Coleridge Capital has been providing independent financial advice to our individual and corporate clients since 2005. We help them reach their financial goals through customisable personal advice.
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We are a boutique wealth management advisory business with offices in London although we have clients up and down the country.
We are directly authorised and regulated by the Financial Conduct Authority (FCA number 432965).
At Coleridge Capital it is not just about comparing and selecting financial products, it goes beyond that.
At the heart of what we do is focussing on the individual, your circumstances, your objectives, and your aims. We focus on offering a truly independent personalised service to our clients enabling us to develop long lasting relationships. Every solution is truly bespoke and based on long-term financial solutions.
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Our unique service offers advice in several key areas, such as investment portfolio management, estate planning, taxation strategies, life cover solutions and retirement planning ideas. As we work together to manage and preserve your wealth, plan for your retirement, or protect your estate from inheritance tax, the services detailed in this section can have a part to play, depending on your specific requirements.
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As a Coleridge Capital client, you can be fully assured that everything we do, is with you in mind.
Click the logo below to be redirected to the Coleridge Capital Independent Financial Advisers website for further details
Core Values
At Coleridge Capital, we focus on four core values which are central to our purpose. These are:
Personsonalised Services
Coleridge Capital is fully independent, offering tailored personal advice services in a number of key areas
Mortgage Advice
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Is your mortgage fixed rate coming to an end?
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Are you looking to purchase a Buy To Let property?
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Should you have an interest only mortgage?
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Do you want to increase your borrowing for home development?
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Can I release equity from my property?
Savings and Investments
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Am I saving into the correct savings accounts?
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Do I need an ISA?
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How do I save for my childrens future?
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What is the best way to begin investing my money?
Estate Planning
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Do you have a valid Will in place?
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Do you have a Lasting Power of Attorney?
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What is meant by the term 'Probate'?
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What does it mean to die in 'intestate'?
Pensions
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Have you reviewed your pensions?
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Do you have old workplace pension plans?
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Is my pension invested correctly to achieve the retirement I am looking for?
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Will I have enough in my pensions to retire?
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What are the best ways to draw on my pension pot?
Protection
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Do I have sufficient life protection to protect my family?
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Do I have sufficient cover in case I suffered a critical illness?
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Do I need income protection if I was to lose my job?
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Can a life policy pay my Inheritance Tax liabilities?
Trusts
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Personal Injury Trusts
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Do I need to put my assets in trust?
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I am a Trustee looking for investment advice
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Setting up trusts for children and vulnerable people
Fees and Charges
Please be aware that the fees and charges listed below apply only if you request personalised advice directly from me at Coleridge Capital Ltd.
Step 1
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It all starts with a conversation. This gives me the chance to get to know you and to establish your financial planning needs.
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There are no charges for this.
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Step 2
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Once we have the necessary information we will review the details/analyse any existing plans you already have and come back to you with our findings.
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There are no charges for this.
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Step 3
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I will construct a personalised solution based on your circumstances and goals. This will be in a written report detailing my recommendations including a full breakdown of all charges.
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Before implementing any of the recommended solutions we would agree any charges first.
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Breakdown of fees - Pensions and Investments​
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Initial & Exit Charges
Depending on the complexity of the case there could be an initial charge of up to 2.95% of the investment amount. For example, a lump sum investment of £100,000 could result in a initial charge of up to £2,950.
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In the vast majority of cases I do not charge any initial fees, only when things are complicated that an initial charge might apply to cover the time working on the case. This will always be agreed with you first before proceeding.
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There are no exit/leaving charges. If you wanted to transfer your portfolios away from being managed by me at Coleridge Capital then you are free to do this without any penalties.
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Ongoing Management Charge
If you decide to appoint me to manage your pensions and investments then there will be a adviser charge of 0.75% per year of the money under our control. For example, a ISA lump sum investment of £20,000 would result in a annual charge of £150.
(Where the value of your investments rises, then the fees for this service will increase, conversely, if the value of your investments falls, the cost of this service will decrease.).
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A full breakdown of what the ongoing management charge includes is shown below:
There is no VAT added to any of the fees/charges
Breakdown of fees - Protection and Mortgages​
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Mortgages
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For standard mortgages including Buy to Lets then I do not charge any initial charges. For more complicated mortgages then there could be a fee of up to £495. (This fee can be added to the mortgage). We may receive and will retain any commission paid by the lender when your mortgage completes. This amount will be confirmed by the lender in their disclosure document.
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Protection
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I do not charge any fees in respect of protection cases. We may receive a commission from the provider/insurer after the policy has been put on risk.
For more information in respect of our fees and charges then please contact me on the form below