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
- 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.
Starting out
Making your own decisions and managing financial affairs. Understanding important principles and getting a grounding in sensible financial affairs.
Independent life
Starting your own personal life into family life where financial priorities are balancing the books, protection and starting long term savings.
Mid life priorities
Beginning to look further out and shaping options to build towards retirement and planning for immediate family financial needs.
Later life planning
Planning your finances, benefit options, income generation, asset protection, estate planning and care funding.
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. So this question is always on new 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.
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.
Initial Advice fees
Ongoing Advice fees
Testimonials
Very knowledgeable, great experience with Edale
Would definitely recommend him and Edale in the future.
Diligent and responsive!
Expert advice!
I’m teaching overseas and Lawrie gave me great advice on insurances and investments, thank you for all yourRead more “Expert advice!”
Most helpful Knowledge and guidance offered through generosity and sincerity. Deeply appreciated blue ribbon customer service.
Very professional, easy to work with, could not ask for a better partnership when investing hard earned money.
First class service many thanks.
Very efficient and informative.
Very efficient and informative. Lawrie was a consumate professional and helped with my individual needs. Would definitelyRead more “Very efficient and informative.”
dual US/UK nationality family
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. This allows us to maintain a high level of control, quality, and personalization in the services we provide. Here's a detailed comparison of our services versus those typically offered by traditional IFAs:
| Client Step | Edale | Traditional IFA |
|---|---|---|
| Searching | ✔ | ✔ |
| We assist clients in finding the right financial products and services that match their needs and goals. | ||
| Consultations | ✔ | ✔ |
| Our consultations are tailored to understand clients' financial situations, goals, and concerns. | ||
| Needs Analysis | ✔ | ✔ |
| We conduct a thorough analysis of clients' financial needs to provide personalized advice. | ||
| Financial Advice | ✔ | ✔ |
| Our expert financial advisors provide tailored advice to help clients achieve their financial goals. | ||
| Risk Profiling | ✔ | ✔ |
| We assess clients' risk tolerance to recommend suitable investment strategies. | ||
| Investment Profiling | ✔ | ✘ Outsourced to investment group |
| Our in-house team profiles investments to ensure they align with clients' goals and risk tolerance. | ||
| Investment Research / Selection | ✔ | ✘ Outsourced to investment group |
| We conduct thorough research and selection of investment options internally to offer the best choices. | ||
| Investment Strategy | ✔ | ✘ Outsourced to investment group |
| Our team develops personalized investment strategies to meet clients' financial objectives. | ||
| Implementation | ✔ | ✔ or ✘ IFA does or outsource to investment group |
| We implement investment strategies directly, ensuring seamless and efficient execution. | ||
| Wrapper / Platform Selection | ✔ | ✔ or ✘ IFA does or outsource to investment group |
| We select the most suitable investment wrappers and platforms to optimize clients' portfolios. | ||
| Rebalancing | ✔ | ✔ or ✘ IFA does or outsource to investment group |
| Our team regularly rebalances portfolios to maintain the desired asset allocation. | ||
| Reporting | ✔ | ✔ or ✘ IFA does or outsource to investment group |
| We provide comprehensive and transparent reporting to keep clients informed about their investments. | ||
| Reviews | ✔ | ✔ |
| Regular reviews are conducted to ensure that clients' financial plans remain on track. | ||
| Additional Advice | ✔ | ? |
| We offer ongoing advice to address any new financial challenges or opportunities that arise. | ||
| Proactive Support and Guidance | ✔ | ? |
| Our proactive approach ensures clients receive continuous support and guidance for their financial well-being. | ||
| Tax Reporting Data Support | ✔ | ? |
| We assist with tax reporting, providing the necessary data to simplify clients' tax filings. | ||
Financial Advice Process
Step 1: Initial 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 & 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.