Building up your
family’s wealth
Sound like you?
You’ve found yourself in the role of the “family custodian”. You’re working hard to build your wealth, provide a good life for your loved ones and create something that can benefit your family for years to come. You enjoy giving your family opportunities, making memories together and knowing that what you’re building today could make a difference to future generations.
You want to know that what you’ve worked hard to build is being managed effectively, now and for the generations that follow.
We will help you to
We’ll review your life cover, pensions, and other arrangements to ensure your family would be financially protected if something happened to you, and identify any gaps that need addressing.
We’ll bring together your pensions, property, and existing investments and protection, so you can see how your finances work as a whole and where changes may be needed.
We use cashflow forecasting to show you what your finances could look like over your lifetime, helping you see how much you can enjoy today while continuing to build and protect your family’s wealth for the future. From enjoying more time together and making the most of the wealth you’ve worked hard to create, to providing for your family, we’ll show you how it all fits together.
What happens to your wealth after you’re gone is crucial. What’s best depends on your specific circumstances, but we will consider Inheritance Tax, wills, trusts, and the next generation so more of what you’ve built can go where you intend.
Find us on
Review for Paul Harsum
October 2026
What were the circumstances that caused you to initially look for an adviser?
Unhappy with previous pension advisor and the company he represented. Did not feel seen as a person, but rather as just a source of income for them.
How has Paul Harsum helped you?
Enormously. Paul's not only a lovely person to engage with, but his clear and calm advice has enabled me to achieve my financial goals.
Have you seen the outcome you were hoping for?
Yes, together we have worked on a plan that will provide the level of income I was aiming for when I retire.
What could they have done better?
TBH, not a lot
Review for Paul Harsum
September 2026
What were the circumstances that caused you to initially look for an adviser?
Financial planning for early retirement
How has Paul Harsum helped you?
Achieved my financial goals to retire early
Have you seen the outcome you were hoping for?
yes
What could they have done better?
No, consistently good quality advice.
Review for Paul Harsum
September 2026
What were the circumstances that caused you to initially look for an adviser?
I decided to move on from my previous financial advisor because I felt there wasn’t quite the right fit or chemistry between us, and Paul came highly recommended.
How has Paul Harsum helped you?
Paul has provided consistent, ongoing support over the past 15 years, and I’ve always felt that my finances are in safe hands. He has also given me sound, responsive advice whenever I’ve needed it, which has been hugely beneficial over the years.
Have you seen the outcome you were hoping for?
I’ve been really pleased with how my investments have performed and the growth I’ve seen over the years. It’s reassuring to know that my finances are being looked after so well.
Review for Paul Harsum
September 2026
What were the circumstances that caused you to initially look for an adviser?
I was 55 and had been made redundant. Paul was recommended and his advice and help has been first class
How has Paul Harsum helped you?
Paul helped with retirement planning, pension advice and investment advice.
Have you seen the outcome you were hoping for?
The outcome has surpassed my expectations!
Great independent advice.
What could they have done better?
Nothing. Great service
Review for Josh Cox
September 2026
Please provide a brief comment about your experience with Josh
I was recommended Josh by a colleague and I reached out to him for financial advice. I was met by a friendly professional, who was willing to listen and ask the right questions. After hearing my situation, Josh advised that the services he provides wouldn't be suitable for what I needed. He could've encouraged me to continue with the sign-up, but he acted with good faith and honesty by understanding the needs of the person in front of him.
However, he didn't just stop there - even though I wasn't suitable for his program, he still took the time to set out some simple goals and objectives that I could work towards to get my financial security underway. He still spoke with me for the whole call, and took the time to guide me to a starting point.
I've had an excellent experience with Josh, and I would return in the future when my needs are aligned with the support being provided.
Review for Josh Cox
September 2026
What were the circumstances that caused you to initially look for an adviser?
Wanting to better organise family finances and ensure they are being managed as efficiently as possible.
How has Josh Cox helped you?
Outlining clear plans and tax efficiencies whilst providing analytics to certain financial scenarios which meed consideration
Have you seen the outcome you were hoping for?
Yes, it’s ongoing but very happy so far
What could they have done better?
Nothing - level of diligence and care taken regarding our situation has been greatly appreciated and provides us with a clear plan to work towards.
Review for Lanre Oyebanjo
August 2026
What were the circumstances that caused you to initially look for an adviser?
I needed guidance about managing my savings
How has Lanre Oyebanjo helped you?
He has helped me understand the processes involved in investment and savings and has helped me me with retirement planning
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing
Review for Nick Cotter
July 2026
What were the circumstances that caused you to initially look for an adviser?
I had spare capital following a house sale and was looking for a better than savings rate return
How has Nick Cotter helped you?
He advised of Isa and other investments with less or more risk.
Have you seen the outcome you were hoping for?
Yes nicks advise has given us a good return
What could they have done better?
Nothing I am very happy
Review for Paul Harsum
July 2026
What were the circumstances that caused you to initially look for an adviser?
I turned 40, with no pension and no significant savings. Reasonably assessed, I was at the midpoint in my life. It was time to act.
How has Paul Harsum helped you?
Paul has looked after all personal finance matters for me. Whenever I had a financial query, no matter the nature, he was willing to assist — even down to form-filling and general financial admin. Particularly helpfully, he was willing to engage directly with my accountants — prior to my move to France — sending to them whatever they required.
Have you seen the outcome you were hoping for?
Certainly.
What could they have done better?
Cannot think of anything to suggest. Paul and his team were always very responsive; and patient with my lack of responsiveness sometimes.
Review for Josh Cox
June 2026
What were the circumstances that caused you to initially look for an adviser?
Receipt of a redundancy payment
How has Josh Cox helped you?
Seeing the bigger picture.
Have you seen the outcome you were hoping for?
The best in the circumstances.
Review for Josh Cox
June 2026
What were the circumstances that caused you to initially look for an adviser?
Security, better knowledge about our investments, good advise
How has Josh Cox helped you?
Yes. Josh has been very helpful
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
I believe they have the knowledge which I do not possess.
Review for Josh Cox
June 2026
What were the circumstances that caused you to initially look for an adviser?
I have needed investment advice for my pension pot both before and after retirement.
How has Josh Cox helped you?
Josh provides advice which is uniquely tailored to my financial position and which is designed to meet my needs in retirement.
Have you seen the outcome you were hoping for?
Yes.
What could they have done better?
Josh is very proactive and also where circumstances arise is able to provide suitable solutions.
Review for Josh Cox
June 2026
What were the circumstances that caused you to initially look for an adviser?
My previous adviser proved to be a disaster !
How has Josh Cox helped you?
Josh and Aretian Wealth have always provided sound financial advice and have been pro-active from the start.
Have you seen the outcome you were hoping for?
One always hopes for better outcomes! But yes, overall I am very satisfied.
What could they have done better?
Ha Ha !
Provided better than expected returns !
Review for Josh Cox
May 2026
What were the circumstances that caused you to initially look for an adviser?
We required advice as we were retiring.
How has Josh Cox helped you?
Given us advice for different options which we are very pleased with.
Have you seen the outcome you were hoping for?
Yes & more
What could they have done better?
Can’t think of anything.
Review for Josh Cox
May 2026
What were the circumstances that caused you to initially look for an adviser?
We retired and needed advice on pension and investments.
How has Josh Cox helped you?
Josh has given first class advice and has helped us in many ways over the last few years
Have you seen the outcome you were hoping for?
In every way and more.
What could they have done better?
Josh could not have done anything better and we are really happy with the service he gives us.
Review for Josh Cox
May 2026
What were the circumstances that caused you to initially look for an adviser?
I was looking to consolidate my pensions and needed to get some expert advice on what to do for the best.
How has Josh Cox helped you?
Josh has been available for me whenever I needed advice, even when I didn't know I needed help and advice. He has been extremely responsive and has helped the transition from employment to retirement.
Have you seen the outcome you were hoping for?
Yes, absolutely. Haven't hesitated in recommending his services.
What could they have done better?
Nothing!
Review for Nick Cotter
May 2026
How has Nick Cotter helped you since your last review?
Nick and his team have worked with my final salary company to get my 25% tax free sum and looking at the longer term investment options
Review for Paul Harsum
May 2026
What were the circumstances that caused you to initially look for an adviser?
I had bought a couple of properties and needed to organise my assets and put a financial plan together for the future. That was 20 years ago and I'm still working with Paul today.
How has Paul Harsum helped you?
He has been a good sounding board for my financial planning and has always managed my money well, delivering me good growth in my pensions in particular.
Have you seen the outcome you were hoping for?
Yes, I am very happy with my current financial situation, and feel set up for the future.
Review for Josh Cox
April 2026
What were the circumstances that caused you to initially look for an adviser?
I was originally looking for an adviser to handle money inherited from a relative.
How has Josh Cox helped you?
Josh has given excellent, clear advice on investing my money in both a short term and long term capacity.
Have you seen the outcome you were hoping for?
Yes!
Review for Josh Cox
April 2026
What were the circumstances that caused you to initially look for an adviser?
Needed expert advice on how to invest our savings and pensions.
How has Josh Cox helped you?
Josh has given us confidence in how to control our finances and investments.
Have you seen the outcome you were hoping for?
Yes.
What could they have done better?
Nothing - happy with the advice and outcome that we have.
Contact us
If you would like to have a confidential discussion with no obligation about how we can help you then please get in touch.