You are a professional accumulating wealth

As a hard-working senior professional, we know that you live your life with purpose. Our role is to ensure that your money supports your ambitions for life.

You are most likely in your mid 40s to late 50s working as a senior executive in the technology or finance industry with a family.
You are keen to find out whether you are able to retire by the date you want and if not the steps you need to take to make it happen
You have probably accumulated total investments in various pension pots, ISAs, cash and company stock well in excess of £500,000
You pay far too much tax for your liking and are looking for ways to mitigate your tax burden
You live and work in London and the South East.
You are keen to help your children receive a good start in life.
You are keen to delegate your investment management , your financial planning and your tax planning to a financial professional who will be there for you all the way up to retirement and beyond.

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

Financial planning

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 planning

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.

Investment management

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.

Estate planning

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.

Protection

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.

Tax planning

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 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.

Laura

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.

Charlotte

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.

Hannah

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.

Joshua

We feel like we're in safe hands and have made the right decisions with Philip's guidance.

Bernard

Philip has helped us to come up with a financial plan to retire earlier than originally planned.

Andrew

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.

Matthew

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.

Keith

Philip has given valuable advice on pensions, financial planning and above all reassurance.

Ian

From our first meeting, Philip gave me the impression that he was the person I could trust with the management of my affairs. He is knowledgeable and analytic, he listens, he understands, he explains and acts according to what the client wishes.

Tonia

Philip took great care to understand our personal circumstances, and our joint hopes for the future. He cut through the complexities of financial planning and made very practical recommendations which we have agreed to implement.

Stephen

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.

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