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Evolve Financial Planning

The UK’s first Chartered Financial Planner firm

We are independently owned, with clients who live around the UK and beyond. We help people create lifetime financial strategies that aim to deliver financial freedom and peace of mind. The majority of our planners hold the internationally recognised CERTIFIED FINANCIAL PLANNERCM certification and we were the first of around 700 firms in the UK to be awarded Chartered Financial Planner firm status.

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Planning for peace of mind

Our role is to work with you to design and maintain lifetime strategies for you to achieve or maintain financial independence. We then review progress regularly to provide you with the Peace of Mind that you are “on track” and are making the most of your time and financial resources. Our clients are individuals and whether young or old, just starting out in their career, or reaching retirement, or thinking about how to pass on their wealth,  the common theme is that they all want to make the right decisions about money, time and life.

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Want to find out more about how you can create a better plan for life?

If you would like to find out more about how to create effective lifetime financial strategies, by working with Evolve to understand what is important about money and how best to make money work for you, then get in touch.

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Why does Evolve exist?

We started the business from a blank sheet of paper back in 2004. We had no clients and no financial backers but we had an exciting vision. We wanted to change people’s financial futures, to give them confidence about their finances, to help them make the right decisions for themselves and for their families. We believed that helping clients make the right financial decisions wasn’t just about numbers.

There was more to it than that because money on its own has no meaning. It was about helping our clients understand what was important to them and putting the financial framework in place to help them achieve this. It was about helping our clients make time for the things they enjoy most such as spending time with family and friends and to feel confident that they were on track to a secure future.

We wanted to create a great work-life balance for our team and provide an environment for positive people, whatever their role in the firm, to want to come to work every morning. The idea of working for a large bank or “wealth manager” did not appeal at all.

We started the business because we believed that it would succeed, that it would be profitable and sustainable and that our team could feel proud of what they did every day. We wanted to create a business that would not only create value for the shareholders but could outlive the founders. We wanted to be one of the key drivers for change in the financial services industry, helping to turn it into a respected profession. We believed that what clients wanted from us was peace of mind and that as people’s circumstances and the world around them change all the time, this could be best achieved via an ongoing relationship.

This is why we started Evolve in 2004 and why it is going from strength to strength today.

If our beliefs resonate with you, please do get in touch with us on 0845 602 7875.

 

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Our commitments

We believe that in order to work most effectively with our clients we need to make a number of commitments. The following mutual commitments form part of our agreement with clients:

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Our people

Evolve’s Financial Life Planners hold the most advanced qualifications to ensure that clients are provided with the best possible planning, guidance and advice.

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Our qualifications

We were absolutely delighted to be named as the UK’s first Chartered Financial Planner firm in May 2007.

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Planning for Peace of Mind

Our role is to work with you to design and maintain lifetime strategies for you to achieve or maintain Financial Independence. We then review progress regularly to provide you with the Peace of Mind that you are “on track” and are making the most of your time and financial resources. Our clients are individuals and whether young or old, just starting out in their career, or reaching retirement, or thinking about how to pass on their wealth,  the common theme is that they all want to make the right decisions about money, time and life.

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What we offer

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How we Invest

Our investment philosophy is simple and different.  We believe that investment decisions should be guided by the wealth of academic and empirical evidence available to us.  On review, it provides a number of clear pointers to where we should focus our energies to deliver our clients with a successful investment experience.

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Private Individuals

Almost everyone worries about money, what the future may hold, and the decisions and choices that they face; yet few realise that financial planning is the key to sorting it all out.  Instead of trying to define what financial planning is in a few choice words, it is probably more useful to think about it in terms of the questions it answers.

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Trusts & Charities

Many trusts and charities require advice in relation to the investment strategy to be employed in order to meet their investment objectives, obligations to beneficiaries and meet the requirements of the applicable legislation. E.g The Trustee Investment Act 2000.

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Employers

Many employers provide pensions, insurance and other benefits for employees, often arranged through a benefits consultant or financial adviser. However, the problem with this approach is that employees often receive little or no advice about how to make best use of these benefits and thus don’t value them as highly as they should.

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Our Clients

Our clients are individuals and whether young or old, just starting out in their career, or reaching retirement, or thinking about how to pass on their wealth, the common theme is that they all want to make the right decisions about money, time and life.

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About you

Our clients are individuals and whether young or old, just starting out in their career, or reaching retirement, or thinking about how to pass on their wealth,  the common theme is that they all want to make the right decisions about money, time and life.

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Find out more about yourself

The most important aspect of Financial Life Planning is to completely understand what you want from life, as it is only then that you can work out what you want from money and therefore how to make the best use of it.

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How to become a client

If you would like to become a client, get in touch with us to discuss how we can help you change your future.

faqs

Frequently Asked Questions

Is Evolve independent?

You can be assured of completely independent advice from Evolve as we do not work for a Bank, Insurance Company or Fund Manager. We are wholly owned by the Financial Planners who advise you.

How safe is my money?

At Evolve we recognise that our clients’ assets must be held securely and therefore we generally recommend that you hold your investments via investment administration services provided large financial institutions. Your money will be held separately from the assets of Evolve and any other organisation. Naturally, some of the investments we recommend will carry investment risks but these will be fully explained to you.

How much will it cost?

The exact cost will be dependent on your circumstances and requirements. We will ensure you are 100% clear as to the costs before you become a client. We are certain that our service will offer great value and we are so convinced of this that we offer a guarantee that if you are not satisfied with your initial Financial Plan we will refund whatever proportion of the fees paid that you see fit.

What is your minimum portfolio size?

We have deliberately not imposed a minimum portfolio size because we prefer to work with people who have, or have the potential to have, a rich and rewarding life, rather than for us to be more focused your money than on you.

Please can you explain how your Peace of Mind guarantee works?

We are fully aware that value of a financial life planning service can only be appreciated once you have started the process and therefore committed to it financially. It’s not like buying a car, say, where you can touch and feel the item that you are spending your money on. We are very clear with potential clients about whether we feel we can add value both now and into the future and will only take on clients for whom we believe we can add significant long-term value. However, this value is based on our opinion, not yours!

Therefore, we offer a Peace of Mind guarantee whereby if you are not 100% happy with your initial Financial Life Plan (which we would expect to have prepared within the first 2-3 months of the relationship) and do not feel that it demonstrates that we can add sufficient value to you and your finances to warrant our service, we will refund fees paid up to that point and agree to part company amicably.

How is a Financial Life Planner different from a wealth manager, IFA or private banker?

In some ways there isn’t a difference. A Financial Life Planner, Private Banker or IFA can all help you invest your money, work out a retirement income strategy or create an estate plan. The difference is that an Evolve Financial Life Planner focuses on you and your ideal life first, with money only as the enabler, whereas some other types of adviser focus on the money first and your life second.

Why should I pay for ongoing advice?

It’s a bit like going to the dentist really. There might be some fairly major work at your first appointment, but if you stick with the same dentist year on year and have regular check ups, further major surgery should be avoided. This improves long-term results and should also reduce long-term costs. Chopping and changing is rarely a good thing.

How can a relatively small company like Evolve expect to compete with all of the big private banks and wealth managers in terms of knowledge and information?

Firstly, our relatively small size means we can invest a significant amount of our time understanding you, what your objectives are, what your current financial position is and what your future is likely to look like. Our service is highly personalised and we do not try to pigeonhole you into a one-size-fits-all solution as many larger firms will do.

Evolve’s financial life planners have extensive knowledge of all aspects of financial advice, including investments, pensions and tax planning but most importantly, are able to apply this to your individual circumstances in a way that many larger firms can’t. We believe that such skills are in very short supply.

Is the first meeting free?

The first meeting is an investment of your time and ours. It is an opportunity to have an adult discussion about mutual profitability and to agree whether to take the relationship forward or not. Your time is as valuable as ours and for this reason we do not make a charge.

How will I benefit from working with you?

Whether our role is to create a lifetime financial plan, create a strategy for your investments, increase the tax-efficiency of your finances, advise you on pensions, make sure you are getting the most out of work benefits, help you to decide what is important to you in life, or a combination of the above, ultimately it is up to you to decide whether you get good value for money. We work on the concept of mutual profitability and if we don’t feel that our services will offer you good value for money, we will tell you politely.

New Broad Street House – that sounds like an expensive office?

Our clients are more than aware that if we have a luxurious office they are paying for this out of their fees. Our office is a “serviced office” which gives us a convenient City location at a reasonable cost. Our financial life planners spend their time between the City office and their home offices. We find that this is an extremely efficient, flexible and enjoyable way of working.

Contact us

The best way to contact us is to call on 0845 602 7875. A conversation with one of our Financial Life Planners will help you and us decide how our services are likely to be able to help you.