Independent Financial Advisers · Worsley, Manchester
Financial Advice for High Net Worth Individuals
Substantial wealth brings substantial complexity. Our FCA-regulated independent advisers help business owners, senior professionals, and figures from film, television and sport to grow, protect and pass on their wealth — with discretion, in plain English, and with no pressure.
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✶ Independent Financial Advisers
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✶ FCA Regulated
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✶ Face-to-face, Phone or Online
Wealth Creates Opportunity — and Complexity
There is no official definition of a high net worth individual in the UK, but if you have investable assets of £1 million or more — or a sustained six-figure income — your financial affairs are almost certainly more complex than most. Allowances taper away, tax bands bite harder, and decisions about pensions, investments and your estate carry far greater consequences.
Generic advice is not enough at this level. Our independent advisers build a personal financial plan around your circumstances, your family and your goals — then keep it working as your life, and the rules, change.
Who We Help
Our high net worth clients come from many walks of life, but they share the same need: trusted, discreet, independent advice.
Business Owners & EntrepreneursExtracting profits tax-efficiently, planning an exit or sale, and turning business success into lasting personal and family wealth. |
Senior Professionals & ExecutivesManaging high earnings, share options, bonuses and tapered allowances while building towards the retirement you actually want. |
Film, TV & EntertainmentActors and performers from film, television and the soaps face irregular income, public profiles and short contract cycles — we plan for all three, with complete discretion. |
Professional SportspeopleFootballers, rugby players, boxers and athletes with high earnings compressed into a short career window. |
Inheritors & WindfallsA significant inheritance, divorce settlement or property sale can change your position overnight. We help you make calm, considered decisions. |
Retirees with Substantial PensionsStructuring drawdown, annuities and other assets so your income lasts, your tax bill stays sensible, and more passes to your family. |
What Our High Net Worth Advice Covers
A single, joined-up plan across every part of your financial life — reviewed regularly and adjusted as legislation and circumstances change.
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Tax Planning Above £100,000 of income your personal allowance begins to disappear, and additional-rate tax applies above £125,140. We structure income, pensions, ISAs and other allowances so you keep more of what you earn — using legitimate, established planning only. |
Inheritance Tax & Estate Planning With the nil rate band frozen at £325,000 and pensions due to come within the inheritance tax net from April 2027, many families face 40% on far more of their estate than they realise. We plan gifting, trusts and estate structure so your wealth reaches the people you intend. |
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Investment Management A diversified portfolio built around your goals, timeframe and attitude to risk — whether your priority is growth, income or preserving capital you have already built. As independent advisers we are not tied to any provider’s products. |
Pension & Retirement Planning Consolidating multiple pots where appropriate, navigating annual allowance rules for high earners, and designing a retirement income strategy across pensions, investments and property. |
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Protecting Your Wealth & Family Life cover, critical illness protection and business protection structured around the people and enterprises that depend on you. |
Passing Wealth Between Generations Helping your children and grandchildren benefit during your lifetime and beyond — from gifting strategies to guiding the delicate family conversations that come with them. |
For Clients in the Public Eye
Discretion comes as standard
If you are recognisable from film, television or sport, you already know that financial privacy matters. We work with high-profile clients quietly and confidentially — meetings can be face-to-face, by phone or online, at times and places that suit your schedule, and your affairs are never discussed with anyone but you and those you nominate.
Why Choose Retirement Professionals?
We are an independent, FCA-regulated firm based in Worsley, Manchester, advising clients across Greater Manchester, Cheshire and the UK. Our advisers take the time to understand your circumstances and explain everything in plain English — no jargon, no hard sell, and no pressure. That approach has earned us more than 150 verified five-star client reviews and recognition as a VouchedFor Top Rated Firm.
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150+ Verified 5-star client reviews |
Independent Advice built around you, not a provider |
FCA Regulated Authorised and regulated for your protection |
High Net Worth Advice — Common Questions
What counts as a high net worth individual in the UK?
There is no single official definition. In practice, anyone with around £1 million or more in investable assets, or a sustained income in the hundreds of thousands, will benefit from the specialist planning described on this page. If you are unsure whether that is you, a short conversation will tell us both very quickly — at no cost.
Do I need a wealth manager or a financial adviser?
The labels overlap. What matters is independence, qualifications and regulation. Our advisers are independent — meaning we can recommend from across the market rather than one company’s products — and everything we do is regulated by the Financial Conduct Authority.
How does the first meeting work, and what does it cost?
Your initial conversation is free and without obligation. We listen, understand your position, and explain honestly whether and how we can add value. If you decide to proceed, all fees are agreed clearly with you before any work begins.
I live outside Manchester — can you still advise me?
Yes. We meet clients face-to-face across the North West, and by phone or secure video call throughout the UK.
Your wealth deserves a proper plan
Start with a free, confidential, no-obligation conversation with one of our independent advisers — face-to-face, by phone or online.
The value of investments can go down as well as up and is not guaranteed. You may get back less than you invested. Tax treatment depends on your individual circumstances and may change in the future. Inheritance tax and estate planning, and some forms of trust advice, are not regulated by the Financial Conduct Authority. Our advised services are provided on a fully advised basis by FCA-regulated advisers.
Retirement Professionals Ltd is an appointed representative of pi financial ltd, authorised and regulated by the Financial Conduct Authority. FCA number 622943.