A journey of a thousand miles begins with a single step

And a coffee, made just how you like it.

As an individual with your own aspirations, goals and challenges, the specific route we take to reaching your goals will be unique to you. That’s why we don’t start with your money; we start with what you want to do with it.

The specific route you will take to your goals will be tailored exclusively to you. However, we also know that structure is essential when it comes to planning. Our five-step approach to long-term financial independence and security keeps things simple and structured, while still allowing us to produce an exceptionally personalised service.

Put simply, it empowers you to take control of your future.

An initial meeting

Our very first meeting together is a chance for us to understand your objectives and circumstances and establish whether you will benefit from our advice. It is also a chance for you to get to know us better; how we work, what we do and whether we will be able to help you.

We will talk about your assets and your expenses but also about you, your goals and how you would like to live.

Following our meeting, we will produce a proposal that highlights how we think we can help and outline the priorities that we believe we should focus on, along with the fees that will apply if you decide to work with us.

There is no charge for this introductory meeting and you are under no obligation to take our relationship any further.

Next step

Discovery and lifestyle financial coaching

If you decide we’re right for you and you wish to proceed, we will arrange another meeting to further explore your finances and your goals. We will give you full access to the Aretian team for ongoing advice, account maintenance and client services. You will be provided with access to our secure client portal, a comprehensive app that allows you to view all your financial information in one place.

During our second meeting, we will explore your current financial picture in more detail, looking at your assets, liabilities, income and expenditure. We’ll ask you to provide details of your current financial arrangements; any pensions, investments and savings you have set up.

Next step

Building your financial plan

Once we have established your financial planning aims and objectives, and we have the details of your current arrangements, we will move on to analysis. This is where we ‘crunch the numbers’ and undertake in-depth research into your options for achieving your goals. We may employ cash flow modelling technology where we believe this will bring clarity to what may be relatively complex arrangements or goals.

You will then be presented with our findings, along with our recommendations for the specific actions we believe are necessary for you to undertake to achieve your goals. This is your detailed, personalised financial planning report.

Next step

Implementation

If you wish us to proceed, we will implement the recommendations we have agreed on. We will confirm all arrangements, take as much of the legwork from you as possible, and keep you updated on our progress at every stage.

Next step

Our ongoing services

Life doesn’t stand still for long. There will be changes in taxation, the markets, regulation and the economy and you will almost certainly experience changes to your own life and circumstances. Over time, your goals may change along with your priorities. So, it’s important to make sure that your financial plan can adapt and that it remains up to date and responsive when changes occur.

Our ongoing financial planning services allow you to gain long-term security and confidence. As part of this service, you maintain access to our advisers whenever you need them along with regular, scheduled reviews where we will monitor progress towards your goals and make adjustments wherever needed.

With our ongoing investment oversight service, you gain peace of mind that your investments are being kept under regular review. As part of this service, we will update your portfolio as and when required to optimise performance and ensure your arrangements remain appropriate for your objectives, and aligned to the level of risk you are comfortable with.

We believe in complete transparency and openness when it comes to fees. If you have questions about what we charge for our services, go ahead and

Visit our Fees page

Our clients

We have particular expertise working with entrepreneurs and senior executives within the following sectors:

Technology entrepreneurs
& senior executives

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Legal & financial services
senior executives

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Pharmaceutical entrepreneurs
& senior executives

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Creative &
talent sector

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The value of advice

We pride ourselves on delivering unmatched value to our clients. We understand that when it comes to wealth management, it’s not just about the cost but also the quality and effectiveness of the service provided.

While we may be below average in terms of cost, we never compromise on quality.

True value is about the confidence that comes from knowing you are in capable hands, the peace of mind you feel from having a clear financial roadmap, and the satisfaction of knowing that your goals are within reach. With Aretian Wealth Management, you can experience the difference that personalised, results-driven financial planning can make.

We frequently assess our fees in relation to the broader market and are confident that we offer an extremely competitive fee structure. Click on the link below to better understand how we charge and see how we compare with a national vertically integrated wealth manager and discretionary fund manager with an adviser.

Visit our Fees page

Find us on


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.
Review for Josh Cox
April 2026
What were the circumstances that caused you to initially look for an adviser?
Divorce.
How has Josh Cox helped you?
Advice on care home for mother.
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
All good.
Review for Josh Cox
April 2026
What were the circumstances that caused you to initially look for an adviser?
Receiving an inheritance
How has Josh Cox helped you?
Josh has been incredibly helpful at advising me what to do with my money. Even for someone like me who is not particularly knowledgeable about financial terminology, his guidance has always been clear and straightforward and he’s willing to answer any questions.
Have you seen the outcome you were hoping for?
Yes, and I feel confident I will continue to
Review for Paul Harsum
March 2026
What were the circumstances that caused you to initially look for an adviser?
We had just relocated back to the UK from the US after a tumultuous couple of years, and had let go of our previous financial adviser in the UK. We knew we had to get back to financial planning for the future and Paul came highly recommended from a close friend.
How has Paul Harsum helped you?
From our first meeting, Paul's calm and reassuring demeanour put us at ease and instilled confidence. He is always helping us think through the most tax efficient way of managing our assets.
Have you seen the outcome you were hoping for?
He has set us up to fund school and university for our children, and we are on target to achieve our retirement goals. We are extremely grateful to him and his team for putting use in the best possible position we could be in for our circumstances.
What could they have done better?
The only thing I can think of is the portals. The new portal is not a big improvement on the last. I've been meaning to talk to him about this.
Review for Josh Cox
March 2026
What were the circumstances that caused you to initially look for an adviser?
Began considering our financial position for our retirement and needed expert guidance
How has Josh Cox helped you?
He has consolidated our financial landscape, invested in line with our risk appetite and given expert guidance on how to plan for the retirement phase of our lives
Have you seen the outcome you were hoping for?
Completely, a visual modelling tool helped us see how our money will work. Josh has built trust with us quickly.
What could they have done better?
Nothing at this stage - we have only worked together for a few months.
Review for Josh Cox
March 2026
What were the circumstances that caused you to initially look for an adviser?
I needed financial advice after the death of my husband and to create a new long term plan for myself and my children.
How has Josh Cox helped you?
Josh has been very helpful in explaining the options, organising a long term financial plan, and carrying out the practicalities of the new portfolio. He has a good knowledge of the sector and where to get additional information as required. He listens to my priorities, responds promptly to queries and we have regular and thorough reviews of the portfolio. He is also clear about the charges incurred.
Have you seen the outcome you were hoping for?
Yes I am happy that Josh has provided the right advice and has been effective in putting the new arrangements in place. He provides regular updates and responds promptly to any queries.
What could they have done better?
I don’t think there are any things that he could have done better, Josh is responsive to any challenges and questions as they arise.
Review for Josh Cox
March 2026
What were the circumstances that caused you to initially look for an adviser?
I was looking to put money somewhere that ordinarily would have been sitting in an account
How has Josh Cox helped you?
He has helped to put money into a stocks and shares pension and explained in meetings where this has gone and why it is a good place to put it.
Have you seen the outcome you were hoping for?
There are always ups and downs in the market so i didn't go in with many expectations other than to make some money and that i have done.
What could they have done better?
predicted the market haha...i'm kidding, of course that's pretty much impossible. There is nothing they could have done any better and they are always informative when i ask questions.
Review for Lanre Oyebanjo
February 2026
What were the circumstances that caused you to initially look for an adviser?
I needed help with financial planning after I lost my husband
How has Lanre Oyebanjo helped you?
He suggested a plan that would give me long term financial security and enable me to retire comfortably. He is knowledgeable and explains everything in plain English whenever I have need help.
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing, I have absolutely no hesitation in recommending them to anyone seeking financial advice.

Read all reviews

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.

    Aretian Wealth Management
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