Wealth Planning
Feel confident you’re making the most of your wealth
As your wealth grows, so does the complexity of your decisions. That’s where our experienced advice and investment management team come in.
Why Wealth Planning matters
You’ve worked hard for your money – now make sure it’s working hard for you
Whether you’re thinking about retirement, planning how to pass on wealth or simply want to protect what you’ve built – we’re here to help.
Who do we specialise in supporting?
Those with £200K+
in savings, pensions
or investments
People navigating complex financial decisions
Those wanting to protect their wealth and use it wisely
Why Octopus Money
10,000s of people trust Octopus Money to help them make the most of their hard-earned money.
We start with your life – not just your money
We take time to really understand you – your goals, your worries, and what matters most. You’ll never feel judged or rushed or confused with complex jargon. Just supported, every step of the way.
We make the complex feel simple
No dense reports. No confusing jargon. Just clear, visual financial planning that makes it easy to engage and take action.
We’re led by our values
As a certified B Corp, we believe business should be a force for social good – not just profit. Our investment strategies are sustainable by default, with a focus on environmental and social impact.
We could save you thousands of pounds a year
According to an independent review by Boring Money, Octopus Money costs less than the biggest names in financial advice. If you’re investing more than £250,000, you could save £1,000s per year.*
- We use the most cost effective investments and products for your needs
- We cap your advice fees, so you’ll never pay more than a set amount – no matter how much you invest
- No hidden fees for top-ups, switching funds or transferring out
Meet the team
Our passionate and dedicated team
Kristian
Jacinda
How it works
Get started
With a free video chat
- We’ll help you understand exactly what you’re getting – and what it costs – before you pay anything
- We’ll help you create a financial checklist and build your personal profile
Planning
From £299
- We start with your goals – so we can help you create the future you want
- Over a few 1-to-1 sessions, we bring everything together in a simple, visual financial forecast – so you know exactly where you stand and where you’re going
- We’ll make specific recommendations about what’s right for you
Investing
From 1.15% (all-in)
- We build and manage an investment portfolio for you – so your future is in expert hands
- Your plan is yours for life – with ongoing advice, you’ll always have access to 1-to-1 support to navigate life’s twists and turns
How we can help
We’ll review your circumstances and craft a custom plan
Reviewing, optimising and managing your investments
We’ll assess your current portfolio – analysing costs, performance and risk. If you’d like us to manage it, we’ll build a strategy tailored to your goals, then keep it on track through regular reviews and rebalancing.
Preparing for retirement
Explore and stress-test scenarios like retiring early, downsizing, or phased retirement – and see what’s financially possible.
Creating income from your assets
We’ll build a smart, tax-efficient plan for taking an income in retirement – so your money goes further for longer.
Passing on wealth
From inheritance tax planning to gifting strategies, we’ll help you protect your family’s future.
See how we help people like you
Book a free intro session
No pressure. No obligation.
Just a chance to see how we can help.
Frequently Asked Questions
Who is this service for?
Our specialist team can support clients who are already investing (or looking to invest) more than £200,000 – as a couple or on your own. This includes assets in your old workplace pensions. Speak to one of our advisers and they’ll be able to tell you more about what we do, in a no obligation introductory call.
Unfortunately, we’re unable to work with US citizens or US dual citizens.
If you’re looking to invest less than £200,000, you can book in with one of our accredited coaches and use our digital adviser here.
What will happen during the Starter Session?
Your first session will last around 20 minutes. The primary purpose is for you to learn more about us and how we work, so you can decide if we’re right for you.
When you join the session, we’ll discuss your current circumstances and any money goals you have in mind.
Then, we’ll explain our planning and advice service and answer any questions you have.
Do I need advice?
Knowing that your finances are being taken care of by a professional can give you real peace of mind. Some of the reasons our customers reach out for help are:
- They’re interested in investing but want professional guidance to build the right portfolio.
- They’re not sure if they’re on track for retirement or need help creating a retirement plan.
- Their financial situation is becoming more complex and they value professional help to make sure they’re managing and growing their money in the best, most tax-efficient way.
- They’ve had big life changes like marriage or divorce, which have had an impact on their finances.
- They’ve come into an inheritance and want to manage it in the right way.
- They want help planning their estate and protecting their assets for their children.
I already have investments. How do I know if it's better for you to manage them?
We’ll never recommend that you move your assets if it’s not the right thing for you. After we build your financial plan and strategy, we’ll do an in-depth analysis of your current investments and pensions, including what they’re invested in, how they’ve performed, and what you pay before presenting our recommendations. You make the final call about what to do with your money.
* Boring Money compared the all-in advice, platform and investment charges of 5 of the biggest names in financial advice over a 1-year, 5-year and 10-year period (May 2025).