Business Details
12 Years
experience
Independent Financial Advice in Wetherby
Wendy Cochran is a fully qualified and registered independent financial advisory firm with over two decades of expertise in wealth management and mortgage consultancy. Founded by Wendy Cochran, a CII-qualified professional with prior experience in fund management at Edinburgh Fund Managers and Aegon Asset Management, the business specialises in providing tailored investment strategies for pensions, ISAs, and portfolios exceeding 200,000.Our approach combines deep market knowledge with a commitment to transparency, offering clients bespoke solutions without face-to-face meetings. Regulated by the Financial Conduct Authority (FCA no. 603653), we prioritise client education, low fees (0.5% annually), and conflict-free advice, ensuring clients understand risks, charges, and tax efficiencies. With a track record of managing over 45 million in assets, we serve UK clients remotely, focusing on long-term financial security through strategic portfolio design and ongoing support.
Services
Investment advice
Pension planning
Mortgage advice
Buy to let mortgages
Life insurance
Details
- Year established: 2014
Highlights and features
- We offer 0.5% annual fees with no initial charges for ongoing investment advice.
- Our team has direct fund management experience across UK and US stockmarkets.
- We provide remote advice without mandatory face-to-face meetings.
- Our firm is regulated by the Financial Conduct Authority (FCA no. 603653).
- We invest our own capital in recommended portfolios for alignment with clients.
Associations and certifications
- Financial Conduct Authority
What people say
Thorough process
Prompt service
No hidden fees
Expert knowledge
Stress-free experience
Services
Investment advice
We provide ongoing investment advice for clients with pensions, ISAs, or portfolios exceeding 200,000. Our service includes risk assessment, fund performance analysis, tax efficiency reviews, and portfolio adjustments. Clients receive regular written reports and unlimited ad-hoc consultations via phone or email, with fees charged at 0.5% annually. This service caters to UK residents seeking expert-driven, low-cost investment management.
Mortgage advice
We arrange residential and buy-to-let mortgages across the UK, specialising in remortgaging and complex cases. Our service includes market-wide comparisons, fee-free arrangements for loans over 150,000, and fast-track approvals via phone/email. We assist clients with credit challenges, self-employment, and new builds (15% minimum deposit). Exclusions apply for holiday-let properties and self-build projects, with no face-to-face meetings required.
Pension planning
Our pension services focus on transfer evaluations, drawdown strategies, and consolidation of multiple pensions. We provide detailed analysis of final salary schemes, risk profiling, and tax-efficient income planning. Clients benefit from our fund management expertise to create bespoke retirement portfolios, with emphasis on low charges and clear communication about risks and benefits.
People
Wendy Cochran Independent Financial Advice
Founder & Financial Adviser
MSc, PhD, DipPFS-qualified financial adviser with 8 years' fund management experience at Edinburgh Fund Managers and Aegon Asset Management. Specialises in investment portfolios, pensions, and mortgages. Regulated by the FCA and operates through Dalbeath Financial Planning Ltd.
Matthew Harris
Wealth Manager
Experienced financial adviser specialising in pension transfers, including defined benefit schemes. Provides detailed risk assessments and investment recommendations. Works closely with clients to ensure compliance with FCA regulations while maintaining transparent fee structures.
Questions
What investment services do you offer?
We manage pensions, ISAs, and investment portfolios over £200,000 with 0.5% annual fees. Services include risk assessment, fund selection, and tax efficiency reviews.
Do you charge for mortgage advice?
Mortgage arrangements over £150,000 are free; smaller loans may incur fees. We receive lender commissions for deal-switching services.
Can you help with buy-to-let mortgages?
Yes, we arrange buy-to-let mortgages for UK properties, excluding holiday-lets and limited company purchases. Services include portfolio expansion and remortgaging.
How are your fees structured?
Investment advice costs 0.5% annually with no initial fees. Mortgages over £150,000 have no arrangement charges, while smaller loans may incur fees.
Are you FCA regulated?
Yes, we operate under Dalbeath Financial Planning Ltd, authorised and regulated by the Financial Conduct Authority (FCA no. 603653).
