Business Details
Award-Winning Financial Advisers in Bath
At Combined Financial Strategies, we prioritise understanding our clients' unique financial needs to deliver tailored advice. With over a decade of experience, we specialise in retirement planning, investments, tax efficiency, and legacy planning, guided by our founder Jonothan McColgan, a Chartered Financial Planner and UK Financial Adviser of the Year. Our approach combines technical excellence with a deep commitment to client-centric service, ensuring every recommendation aligns with individual aspirations.We maintain transparency in fees and ethics, collaborating with accountants and solicitors to provide holistic solutions. Recognised in national media and trusted by clients nationwide, we offer remote consultations to serve clients beyond our Bath base.
Services
Retirement Planning
Investment Management
Tax Efficiency
Legacy Planning
Protection Strategies
Highlights and features
- We offer bespoke financial plans tailored to individual life goals and circumstances
- Our founder is a Chartered Financial Planner and UK Financial Adviser of the Year
- We provide transparent fee structures with clear pricing options
- We collaborate with accountants and solicitors for comprehensive financial solutions
- We offer remote consultations for clients nationwide
Associations and certifications
- Chartered Financial Planner
What people say
First-rate service
Highly tailored financial plan
Excellent advice
Professional integrity
Exceptional feedback
Services
Investment Management
We create customised investment strategies combining equities, corporate bonds, and property investments to match your risk profile and financial goals. Our approach balances capital growth with income generation while mitigating inflation risks. Clients benefit from ongoing portfolio reviews and adjustments as their circumstances evolve.
Retirement Planning
Our comprehensive retirement planning covers pension consolidation, tax-efficient withdrawals, and income strategies. We help clients navigate complex pension legislation changes and optimise their retirement funds through personalised plans. The service includes scenario planning for various retirement timelines and lifestyle requirements.
Tax Efficiency
We develop tax-efficient investment strategies using ISAs, investment bonds, and structured products tailored to individual circumstances. Our approach considers both personal and spousal tax positions to maximise after-tax returns while maintaining compliance with current regulations.
Legacy Planning
Our legacy planning focuses on minimising inheritance tax through strategic asset distribution and trust arrangements. We help clients structure wills and implement tax-efficient wealth transfer strategies while considering the order of asset usage during retirement to optimise inheritance outcomes.
Protection Strategies
We provide comprehensive protection planning covering life assurance, critical illness cover, and income protection. Our approach ensures financial security for dependents through tailored insurance solutions that address both short-term and long-term risk scenarios while maintaining affordability.
People
Jonothan McColgan
Chartered Financial Planner
Award-winning Chartered Financial Planner with over 15 years' experience, specialising in retirement planning and tax-efficient investments. Recognised in national media and holds multiple industry awards, including UK Financial Adviser of the Year.
Questions
What financial planning services do you offer?
We provide retirement planning, investment management, tax efficiency strategies, legacy planning, and protection solutions tailored to individual client needs.
How are your advisory fees structured?
Our fees include an initial planning charge of £1,500–£15,000 and annual advisory fees of £1,000–£10,000, both based on funds under management.
Can you help with pension consolidation?
Yes, we specialise in managing complex pension portfolios and can help consolidate multiple pensions into a coordinated retirement strategy.
Do you work with clients outside Bath?
We offer remote consultations via web conferencing and serve clients nationwide, with our physical office located in Bath.
How do you ensure tax-efficient investments?
We use ISAs, investment bonds, and structured products tailored to your tax position, while maintaining compliance with current tax regulations.
What makes you different from other advisers?
Our Chartered status, award-winning expertise, and client-focused approach combine with transparent fees and collaborative planning with other professionals.
