Business Details
Your Trusted Partner for Financial Planning Solutions
We are a nationwide, independent Chartered financial planning and investment management group dedicated to empowering clients to achieve financial freedom through professional advice. Our mission centres on delivering exceptional service while maintaining approachability, underpinned by a commitment to shared values and a vision of integrated expertise. With 33 independent financial planners and 10 UK locations, we leverage collective knowledge to help clients navigate complex financial decisions. Our inclusive culture fosters professional growth for planners and clients alike, ensuring confidence in long-term financial wellbeing through integrity-driven partnerships. 
Services
Cashflow Modelling
Estate Planning
Retirement Planning
Protection Planning
Tax Planning
Investment Management
Business Financial Planning
Selling a Business
Early-Stage Planning
Later Life Planning
Highlights and features
- We are a Chartered financial planning group with 33 independent advisers
- Our team collaborates with accountants and solicitors for coordinated solutions
- We manage 1.8 billion in assets under advice
- Our planners use cashflow modelling to visualise long-term financial outcomes
- We operate 10 UK locations with specialist expertise in tax and estate planning
Associations and certifications
- Chartered Financial Planning Institute
- Financial Conduct Authority (FCA)
- Defaqto 5-Star Rating
Services
Cashflow Modelling
Personalised financial forecasting that visualises income, expenditure, and asset growth over time. Our models incorporate inflation, tax policies, and investment returns to help clients make informed decisions about retirement timing, property purchases, and intergenerational wealth transfer. Scenario analysis enables proactive planning for both anticipated life events and unexpected challenges.
Estate Planning
Specialist guidance on inheritance tax mitigation and legacy preservation. We create tailored strategies using trusts, reliefs, and gifting techniques to protect assets for future generations. Our planners collaborate with legal professionals to ensure compliance with evolving tax regulations while addressing clients' specific family circumstances and charitable intentions.
Retirement Planning
Comprehensive retirement strategy development considering pension rules, tax efficiency, and lifestyle goals. We assess income requirements, risk tolerance, and healthcare needs to create sustainable withdrawal plans. Our expertise includes navigating complex pension transfers and optimising state benefits to maintain clients' desired standard of living throughout retirement.
Investment Management
Discretionary investment management with access to diversified model portfolios. We construct risk-appropriate strategies using global equities, fixed income, and alternative assets, regularly reviewed against market conditions. Our approach combines strategic asset allocation with tax-efficient wrappers to maximise long-term growth potential while maintaining liquidity.
Tax Planning
Tailored tax mitigation strategies utilising pensions, ISAs, and enterprise investment schemes. We optimise clients' financial structures through reliefs like Business Relief and Venture Capital Trusts, while ensuring compliance with HMRC regulations. Our planners coordinate with accountants to implement holistic solutions that reduce liabilities across income, capital gains, and inheritance taxes.
People
Martyn Southam
Regional Director
Martyn specialises in later life planning, helping clients preserve wealth for future generations. With extensive experience in inheritance tax mitigation and trust structures, he provides strategic guidance on legacy planning. His collaborative approach ensures seamless integration with legal and accounting professionals to deliver comprehensive solutions.
Questions
What financial planning services do you offer?
We provide lifetime financial planning including cashflow modelling, retirement strategy, tax planning, estate preservation, and investment management. Our services also cover business financial planning and protection strategies tailored to individual needs.
Are you regulated by the Financial Conduct Authority?
Yes, both One Four Nine Wealth Limited and One Four Nine Portfolio Management Limited are authorised and regulated by the Financial Conduct Authority under reference numbers 153508 and 931954 respectively.
How do you approach investment management?
We offer discretionary portfolio management with access to diversified model portfolios. Our strategies combine global equities, fixed income, and alternative assets, focusing on risk-appropriate allocation and tax efficiency through wrappers like ISAs and pensions.
Can you help with business financial planning?
Yes, we provide specialist business financial planning including shareholder protection, succession arrangements, and commercial property financing. Our planners work with business owners to implement tax-efficient strategies for both personal and corporate financial objectives.
What areas do you cover in the UK?
We operate through 10 UK locations and provide services nationwide. Our planners work with clients across England, Scotland, Wales, and Northern Ireland through both in-person and virtual consultations.
