Financial advice for individuals
Guiding you towards a secure and prosperous financial future.
Financial well-being is our focus. Whether you need an independent financial adviser for a specific need or a full plan, we specialise in crafting plans around you. Our expertise spans a wide range of services, including retirement planning, investment management, tax optimization, and estate planning.
We help all types of individuals from:
- Career starters to retirees
- shopkeepers to board directors
- Young professionals to senior corporate leaders
- Business owners to rainmakers
- People in the UK to expatriates around the world
- Americans in the UK or dual citizens in the UK
Everyone gets a client-focused approach, focused on your unique goals and circumstances.
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Starting out
Making your own decisions and managing financial affairs. Understanding important principles and getting a grounding in sensible financial affairs.
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Independent life
Starting your own personal life into family life where financial priorities are balancing the books, protection and starting long term savings.
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Mid life priorities
Beginning to look further out and shaping options to build towards retirement and planning for immediate family financial needs.
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Later life planning
Planning your finances, benefit options, income generation, asset protection, estate planning and care funding.
Framework for wealth
The Edale Wealth Framework, is a designed to focus on what your money does and remove stop you from worrying about big, confusing numbers.
Think of your entire financial life like a house. If you just threw everything you owned into one big pile in the middle of the room, it would be chaotic and stressful. This framework helps you organise that pile by sorting your money and assets into seven distinct “pots,” each with a specific job to do.
The goal is Simplifying Wealth Instead of viewing your wealth as one giant, abstract number, you view it as separate pieces designed to achieve different life goals.
Accessible experts – no minimum size of investment
Finance can be complex so we see our role in society to grow financial education and money knowledge, regardless of the size of a client’s wallet.
That’s why we’ve eliminated minimum client sizes, opening our doors to all. We can provide advice on the simple to the complex. We support individual to gain the knowledge and skills needed to make informed financial decisions. Whether you’re just starting your financial journey or looking to deepen your money management skills, or a specific need we can guide you every step of the way, because we believe that financial well-being is a cornerstone of a prosperous society. Edale likes to democratise financial knowledge and help people embark on a path to financial confidence and freedom.
Personal financial planning
Deal fee + account maintenance
Edale as gateway to financial markets
Web tools and product information
Benefit from institutional partnerships
Variable prices
Complex financial arrangements
Frequent 1:1 contact
Monitoring + adjusting financial plan
Access to the team at any time
Annual % fee
Personal financial plan
Yearly 1:1 meeting
Monitoring + adjusting financial plan
Access to the team at any time
Pay as you go
One-off need for advice
See team via pay-as-you-go model
Advice on specific circumstances
Mandate driven by you
US Persons in UK
Helping Americans or US passport holders with UK financial advice
Business protection
Insure to protect your firm where a key individual dies or seriously ill.
Director pension funding
Business owners should create efficient pension arrangements for them and Directors.
Employee pension arrangements
Advice on and actively administering Employee Pension Schemes.
Improve business performance
Edale advice for scaling and growing firm through coaching, financial fitness and investment readiness.
Fees
Edale is an open and transparent business. Fees are a question that is always on clients' mind. Independent financial adviser fees vary from firm to firm and service need and complexity. The table below sets out the standard industry fee model and our approach and options available. We also highlight the most common fees.
If you’re seeking general guidance on budgeting and/or debt management, free advice can be obtained from reputable sources such as the Money Helper, Citizens Advice Bureau or (if you’re over 50), the government’s Pension Wise service.
What Types of Fees will you Likely Encounter when Engaging an IFA?
The UK’s IFA community offers various services which can support full financial healthchecks while helping to consolidate finances or review pension provisions as well as assist in selecting new financial products.
The fee models you will encounter for professional services vary with the needed level of expertise and time investment. Some common types of financial advisory fees include:
Transparent pricing — what you pay
Edale’s fees are designed to be clear from the outset, with options for full advice, simpler cases and flexible pay-as-you-go support where appropriate.
- Higher percentage-based initial charging is common in the market
- Cost may rise materially as transaction or investment size increases
- Investment management and planning may be split across different providers
- Clearer cost range for full regulated advice and implementation
- More of the client journey kept aligned within Edale’s service approach
- Designed to combine advice, suitability and practical execution
- Simple pricing where a full percentage-based route may not be needed
- Better fit for straightforward cases needing a lighter advice process
- Helps avoid unnecessary cost layering on smaller assignments
- Ongoing percentage fees can compound significantly over time
- Reviews, portfolio oversight and investment work may be delivered through separate layers
- Total value can be harder to judge when services are less integrated
- Lower ongoing range than many typical market benchmarks
- Supports ongoing reviews, advice and oversight in one relationship
- Aims to improve value retention by reducing fee drag over time
+ VAT Each assignment has a minimum billing of £1,000.
- Only pay when specific advice or project work is needed
- No ongoing percentage fee where a retained service is unnecessary
- Useful for defined assignments, one-off planning or specialist input
Please note: all figures are indicative and depend on individual circumstances, portfolio size and advice complexity. Industry standard figures are guideline benchmarks only and are not a guarantee of competitor pricing. Edale UK Management Limited is authorised and regulated by the Financial Conduct Authority (Ref: 812332).
Client Testimonials for Edale
Very knowledgeable, great experience with Edale
Would definitely recommend him and Edale in the future.
My complications ended when I came across Edale
Quick and effective
When I wanted to set up a Junior ISA for my daughter, who holds dual US and UK citizenship, Lawrie provided clear guidance on the available options. He handled the entire process with impressive efficiency, setting up the account in no time. His expertise made the experience seamless and stress-free.
dual US/UK nationality family
Prompt and helpful
Excellent Service Highly Recommend
Diligent and responsive!
Very happy with the advice i received.
I would highly recommend Lawrie & Edale.
Julie.
Bringing clarity to UK/US retirement questions
Comprehensive Financial Services by Edale
Edale prides itself on offering a comprehensive suite of financial services that cater to all your needs under one roof. Unlike traditional Independent Financial Advisors(IFAs), who often outsource key components of financial planning and management, we handle everything in-house. The team has experience in institutional workplaces before their time in retail advice so have technical skills from portfolio management, private client stockbroking and private Banking. This allows us to maintain a high level of control, quality, and personalisation in the services we provide. Here's a detailed comparison of our services versus those typically offered by traditional IFAs:
How Edale compares across the client journey
Expand each row to see what each stage means in practice and where Edale’s in-house approach differs from a more traditional adviser model.
Client journey comparison
| Client step | Edale | Traditional IFA |
|---|---|---|
| ✓ | ✓ | |
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Searching: helping clients identify the right route, product set or service structure for their needs and objectives.
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| ✓ | ✓ | |
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Consultations: understanding the client’s personal position, assets, constraints, priorities and goals before advice is shaped.
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| ✓ | ✓ | |
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Needs analysis: reviewing what the client actually needs now and later, so recommendations are suitable rather than generic.
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| ✓ | ✓ | |
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Cashflow planning: checking assets, income, commitments and goals to assess whether the client has a workable long-term financial roadmap.
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| ✓ | ✓ | |
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Financial advice: regulated recommendations tailored to the client’s objectives, time horizon and circumstances.
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| ✓ | ✓ | |
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Risk profiling: assessing tolerance for loss, volatility and investment uncertainty so the strategy is aligned with the client.
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| ✓ | ✕ Often outsourced to an investment group | |
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Investment profiling: reviewing how investment choices fit client aims, suitability and the wider advice relationship, rather than leaving this purely to a third party.
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| ✓ | ✕ Often outsourced to an investment group | |
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Investment research / selection: comparing and selecting suitable investments internally rather than depending entirely on outsourced model inputs.
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| ✓ | ✕ Often outsourced to an investment group | |
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Investment strategy: building the overall investment approach as part of the advice process rather than separating advice from portfolio thinking.
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| ✓ | ~ Can be done directly or outsourced | |
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Implementation: putting recommendations into place efficiently and accurately, with less fragmentation between advice and execution.
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| ✓ | ~ Can be done directly or outsourced | |
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Wrapper / platform selection: choosing suitable account structures and platforms to support tax, access, administration and investment needs.
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| ✓ | ~ Can be done directly or outsourced | |
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Rebalancing: maintaining the intended allocation and risk profile as markets move over time.
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| ✓ | ~ Can be done directly or outsourced | |
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Reporting: giving clients clear visibility over portfolio activity, value and progress.
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| ✓ | ✓ | |
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Reviews: regular check-ins to confirm the plan, structure and investment approach still fit the client’s life and objectives.
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| ✓ | ? | |
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Additional advice: help with new questions, changes in circumstances and extra planning needs as they arise.
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| ✓ | ? | |
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Proactive support and guidance: helping clients stay ahead of issues and opportunities rather than only reacting when they ask.
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| ✓ | ? | |
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Tax reporting data support: helping clients gather the records and figures needed to support tax reporting and adviser/accountant collaboration.
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| ✓ | ? | |
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Cross-border pension / tax efficiency: support on accessing benefits across jurisdictions, using treaty positions appropriately and helping reduce avoidable overpayment of tax.
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Note: on smaller screens the table scrolls horizontally for readability, while each row can still be expanded for the fuller explanation.
Financial Advice Process
Our financial planning and advice process uncovers how to get where you want to go. With a simple and ordered proces from answering your initial questions, to understanding you and getting all the facts, to implementation, and on-going support, there is a natural sequence that we have developed to fit our clients over the past decade adn more. Each phase is individualised to address various aspects of your financial journey, from getting to know you to tailor-made investment solutions and regular checks to stay in touch with your changing circumstances. Below we outline the most common steps to show how we can make you money work for you.
Initial consultations
Discuss any inquiries or general conversations you may have about our services. We’re here to explore your financial goals, answer questions, and outline our services. Free and no obligation. Book an appointment.
Step 1: Discovery Meeting
Discuss your financial situation, aspirations, risk tolerance, and existing financial products. Option to proceed further.
Step 2: Research to Find Suitable Investment Options
Researching market to identify solutions tailored to your needs, considering personal and tax status, and existing arrangements.
Step 3: Providing Reports, Financial Health Checks and Forecasts
Prepare a financial report, overview of your financial circumstances, and additional specific reports if needed.
Step 4: Recommendation of Specific Investment Products
Recommend investment products and providers, including cost illustrations in a suitability report.
Step 5: Implementation
Arrange and register your chosen investments, services, and policies.
Step 6: On-going Planning
Periodic reviews and annual planning meetings to ensure strategy and products meet your requirements. Fee-based on portfolio value.