Whether you are looking for help investing your wealth, funding school fees, moving home or planning for early retirement, we will work closely with you to understand precisely what matters to you. From this foundation of deep understanding, we take a deep dive into your financial arrangements and make recommendations so you can increase your chances of successfully reaching your goals.
With a tailored financial plan, regularly reviewed to ensure your arrangements keep pace with your priorities, we can help you reach your goals more efficiently and successfully, and give you some of that free time back to do the things you love.
How we can help
We practice holistic financial planning, designed to help you secure the lifestyle preferences you want with the aid of a robust financial plan designed to minimise financial risk and boost your chances of success.
Retirement can be as individual as you in the 21st century. We’ll help you identify what you want to do in retirement and help you ensure your finances are structured to fully support your plans.
Thera Wealth Management’s robust and disciplined approach to investing is derived from Nobel prize-winning academic and empirical foundations, using sophisticated tools that help to formulate and test high-quality investment solutions.
Gain peace of mind that your loved ones will be taken care of when you are no longer here with an estate plan that incorporates your wishes and our know-how and tax planning expertise.
Identify the potential risks you and your family could face and put protection in place to safeguard you, your assets and those you care about against potential threats to your financial wellbeing.
Paying unnecessary tax means less money available for achieving your goals. We’ll help ensure your plans are tax-efficient and that you are maximising all available allowances and savings vehicles.
What our clients say
Philip helped me make my investments ethical when I realised that was something I really wanted. He has given me shrewd investment advice, but also encouraged me to enjoy my money. He helped me enormously through my divorce, from filling in the financial disclosure documents to organising a vital loan for me to help me pay the lump sum and keep my house. He's been absolutely brilliant, always going above and beyond.
Philip has helped us to come up with a financial plan to retire earlier than originally planned.
I had never been interested in financial planning before, nor had I ever had much in the way of capital that needed looking after. Philip was rigorous and helpful throughout, and very good at explaining things that I had never needed to think about before.
Philip provided a comprehensive life plan, along with advice in specific areas we requested. He also helped to consolidate and reinvest our pensions and savings. His service has been clear and professional.
Philip has really sorted out my anxiety about my finances, advising me on sensible, ethical investments that fit with my requirements. He's experienced, calm, kind and really takes care to emphasise that he's in this for the long term. He is always around to reassess priorities and to react to changing circumstances. Philip really cares about the peace of mind, wellbeing, and – of course – financial returns of his clients.
Philip encouraged me to think about my big financial goals . He created a financial plan for my life and advised me on how to protect the plan.
Philip helped me to get my thoughts in order, looked at my current pensions, investments, assets and commitments and mapped our very clearly how best, in financial terms, to prepare for the years ahead. He even made me realise I could retire a number of years earlier if I wanted too and that the financial plans I had in my head for the next 10 years or so didn't really make financial sense and proposed a much better plan for my current investments. Turns out I'm not as smart as I thought I was.
We feel like we're in safe hands and have made the right decisions with Philip's guidance.
Philip has given valuable advice on pensions, financial planning and above all reassurance.
The Financial Conduct Authority does not regulate Cashflow Planning.
The Financial Conduct Authority does not regulate some aspects of Trust, Tax and Estate Planning
Cover will cease on insurance products if premium payments are not maintained.