Meet Oliver

Oliver Johns DipPFS
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Financial Adviser

Hi, I’m Oliver.

I’m an Independent Financial Adviser.

I make financial planning simple for busy professionals.

I cover savings, insurance, investments, retirement, and UK tax planning.

Book a no-obligation introductory meeting to discuss your goals.

Areas Covered

    • Financial protection (e.g., life insurance, income protection, critical illness cover).

    • Education funding planning (e.g., university savings).

    • Intergenerational wealth planning.

    • Estate and inheritance tax planning.

    • Tax-efficient strategies (e.g., drawing income through salary and dividends).

    • Business protection insurance (e.g., key person insurance, shareholder protection).

    • Pension planning and business-related investment advice.

    • Pension accumulation and consolidation advice.

    • Investment strategies for income generation post-retirement.

    • Diversification of retirement assets.

    • Tax efficiency in retirement (e.g., managing drawdowns and lump sums).

    • Investment portfolio creation and ongoing management.

    • Tax-efficient savings and investments.

    • Long-term financial growth and capital preservation.

Let’s chat.

Complete this form and i’ll call you.

The UK Financial Services industry is highly regulated; ensure providers are reputable.

From a compliance perspective, all advice is covered and processed by Lathe & Co Wealth Advisers (FCA #).

FAQs

  • I help my clients create and implement a personalised financial plan tailored to their unique needs. My role is to review their current arrangements, ensure they stay on track to achieve their goals, and do so in the most tax-efficient way possible.

    Good financial planning, combined with an appropriate investment approach, lays the foundation for long-term success.

  • Like any business, Financial Advisers charge fees. For investment management, I charge an ongoing fee of 0.75% of the assets I manage. For example, on a portfolio of £100,000, my annual fee would be £750.

    I also charge an initial fee, this depends on the recommendation. This can range from. 1% - 4% depending on a number of factors.

    For insurance recommendations, the insurance provider pays me an introductory commission.

  • Everyone’s situation is unique. Here’s an example of how the process typically unfolds:

    Meeting 1: Intro
    This is where we get to know each other. I’ll take the time to understand your current arrangements, future plans, and objectives, while identifying areas we may need to investigate further.

    After the Intro Meeting
    I may request quotes from insurers or statements from pension providers. Using a Letter of Authority (LOA), I’ll gather all the necessary details and facts about your existing policies and plans.

    Meeting 2: Review
    Once I’ve received the information, I’ll analyse your data and policy structures. This helps me determine whether your current plans are suitable or if changes are needed. I’ll share my recommendations with you during this meeting.

    Meeting 3: Recap
    I understand that making financial decisions requires time and careful thought. During this meeting, I’ll walk you through my recommendations in detail to ensure you fully understand and feel comfortable with the advice.

    Sign Authority to Proceed (ATP)
    If you decide to move forward, you’ll sign an ATP to confirm your agreement.

    Next Steps
    I’ll then prepare a detailed suitability report outlining the recommendations. Once you’ve reviewed the report, I’ll proceed to implement the agreed actions.

    I know there are a few steps in the process, but financial advice is highly regulated. My thorough approach ensures everything is handled properly and with your best interests in mind.