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We listen
There are no wrong questions. We simply discuss where you are today, what’s on your mind and where you want to be.
Rated Excellent on Trustpilot
WELCOME TO EIGHT
How it works
Financial planning, built around you
Our financial advisers offer advice and build plans that evolve with you. Your plan will be regularly reviewed, carefully adjusted and designed to keep your financial goals on track.
Our financial advice is bespoke to you to ensure you receive the best advice.
YOUR FIRST MEETING
Taking the first step is easier than you think
During your first meeting we complete a thorough process to ensure EIGHT is the perfect match for you and that you receive maximum value in the advice we provide, you are under no obligation to proceed.
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We look at the bigger picture
Once we understand your goals whether that’s maximising your pensions, investigating a tax bill liability or protecting your business, we’ll explore your options together.
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You leave with a clearer idea
Using a combination of the information you’ve provided, our financial planning expertise and cashflow technology, we’ll map out a clear picture that is bespoke to you and your circumstances, so you can make fully informed decisions, when you’re ready.
You don’t need to have it all figured out
Many people put off getting financial advice because they feel their paperwork is a mess or they don't know exactly what they need.
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| Years of tax returns neatly organised | A rough idea of what you want your life to look like |
| Every pension, investment, and account tracked down | To know roughly what you’ve paid into over the years. |
| Perfect spreadsheets or detailed budgets. | An honest conversation about where you are today. |
| To understand pensions, tax rules, or investments | Us to advise you on what you need to know |
| To feel like you’ve “done everything right” so far | To start. |
CLIENT STORIES
NO SURPRISES Our work starts
Our work starts
before your fees do
From your very first meeting, you’ll receive clear, valuable advice. With no obligation to proceed.
Initial Investment Advice
If you choose to move forward, we charge a one-off advice fee based on how much you invest. This covers the advice we provide based on the total money you invest. If our advice doesn’t lead to an investment, you won’t be charged.
How we charge
| How much you invest | How much you’re charged |
| On the first £250K | 3% |
| On the next £250K | 2% |
| On the amounts over £500K | 1% |
We deliver meaningful financial advice upfront, so you only move forward if that advice is right for you.
Ongoing Investment Advice
If you’d like ongoing advice, we charge an annual fee to manage and review your plan. This is entirely optional and you are under no obligation to proceed. For example, the total annual cost for one of our most popular funds (Polaris 3) is:
- 1.59% (on ISA investments)
- 1.67% (on Pension investments)
This includes the cost of:
- Advice
- Product administration
- Investment management
How ongoing cost breaks down
| What you are paying for | Typical cost |
| Advice | 0.8% |
| Product | 0.27% – 0.35% |
| Fund | 0.09% – 0.69% |
You are under no obligation to proceed.
You can explore our full charges in detail on our pricing page.
If you’d rather talk it through, we’ll explain everything clearly, including what your individual cost will be,
before you decide anything.
Lorraine Sellwood
CHARTERED FINANCIAL PLANNER"Ask me about navigating complex financial decisions at life's biggest moments, or how to act in a blockbuster."
Dave Tomlinson
FINANCIAL ADVISER"Ask me about what policing and financial advising have in common, because the answer surprises most people."
Sasha Adsett
CHARTERED FINANCIAL PLANNER"Ask me about what bespoke really means, because it's not what everyone thinks."
John Dollamore
FINANCIAL ADVISER"Ask me about what a real conversation can add to your financial plan."
Victoria Deyong-Burgess
FINANCIAL ADVISER"Ask me about building a character or why the easiest question is "Why start now?"."
Gerren Penfold
FINANCIAL ADVISER"Ask me about what the Royal Marines and policing taught me about showing up for people."
Victoria Evans
FINANCIAL ADVISER"Ask me about what a good conversation can do for a long term financial plan."
Declan Boyle
FINANCIAL ADVISER"Ask me about the most memorable moment from a financial literacy workshop I've run."
Beth Amer
FINANCIAL ADVISER"Ask me about what fifteen years working behind the scenes taught me about financial planning."
Steve Adsett
FINANCIAL ADVISER"Ask me about what I've learnt from twenty-five years of doing exactly what I said I would."
Claire Gore
FINANCIAL ADVISER"Ask me about what I've learnt working with clients from their first savings plan to retirement."
Ray Sommerfield
FINANCIAL ADVISER"Ask me about the top three questions people ask at an inheritance planning seminar."
Debbie Smith
FINANCIAL ADVISER"Ask me about what navigating my own family estate taught me about why advice matters when you least expect it."
Andy McKee
FINANCIAL ADVISER"Ask me about the most common misconception people have when they first sit down with me."
Martin Clayton
FINANCIAL ADVISER"Ask me about the question I ask every new client before I say anything else."
Rachael McIntosh
PROTECTION ADVISER"Ask me about my love of nature, or why income protection matters more than you think."
Chris Murphy
CHARTERED FINANCIAL PLANNER"Ask me about what thirty years advising charities taught me about how to advise individuals."
Martin Fouracre
FINANCIAL ADVISER"Ask me about the moment a client said I'd made the most complicated decision of their life feel simple."
Colm Quirke
FINANCIAL ADVISER"Ask me about landing a light aircraft solo, or why I also compete in Muay Thai."
Andrew Swann
FINANCIAL ADVISER"Ask me about what thirty-five years of client relationships has genuinely taught me about trust."
Ben Mynard
FINANCIAL ADVISER"Ask me about why I think the best financial plan is the one built entirely around you."
Andy Parsons
CHARTERED FINANCIAL PLANNER"Ask me about why keeping your options open is the most underrated principle in financial planning."
Stef Hunt
PROTECTION ADVISER"Ask me about which festival I'm going to next or what critical illness means to me."
Keith Peckover
FINANCIAL ADVISER"Ask me about the biggest lesson thirty years in banking taught me that I still pass on."
Simon Pigott
FINANCIAL ADVISER"Ask me about why I believe no two financial plans should ever look the same."
Ian Riggs
CHARTERED FINANCIAL PLANNER"Ask me about what's changed most in financial services since 1992, and what hasn't changed at all."
Robert Savage
FINANCIAL ADVISER"Ask me about why I think how well you know your clients is the only measure that matters."
David Sheppard
FINANCIAL ADVISER"Ask me about why genuinely bespoke advice and off-the-shelf solutions aren't even in the same category."
Alex Thew
MORTGAGE ADVISER"Ask me about my favourite cuisine to cook, or why the first meeting is the most important."
Lindsay Tucker
FINANCIAL ADVISER"Ask me about what's stayed constant in financial planning over twenty years, and why it matters more than what's changed."
Alan Wall
FINANCIAL ADVISER"Ask me about why I think the best financial plans are built over decades, not meetings."
Jack Wilson
CHARTERED FINANCIAL PLANNER"Ask me about what the Aspiring Adviser programme was really like and what I know now that I didn't then."
James Wring
FINANCIAL ADVISER"Ask me about what people at the top of their careers actually worry about, you might be surprised."
Henry Lovell
FINANCIAL ADVISER"Ask me about why I love the conversations I have with clients' children more than almost anything else."
Jamie Mallon
CHARTERED FINANCIAL PLANNER"Ask me about helping clients achieve financial freedom since 1994 or life with four grown-up children."
Ben Manktelow
FINANCIAL ADVISER"Ask me about what fourteen years in the Royal Navy teaches you about staying calm under pressure."
Richard Manston
FINANCIAL ADVISER"Ask me about what thirty years in financial services taught me about advice people actually follow."
Lloyd Martin
FINANCIAL ADVISER"Ask me about what moving from bank branch manager to financial adviser actually taught me."
Daniel Land
FINANCIAL ADVISER"Ask me about why I think the best financial plans are always built slowly."
Mark Jeffries
FINANCIAL ADVISER"Ask me about why the ongoing relationship matters more than any single piece of advice."
Christine Jarvis
CHARTERED FINANCIAL PLANNER"Ask me about my favourite ski run, or why clients who plan across generations sleep better."
Frances Husband
FINANCIAL ADVISER"Ask me about why financial confidence is one of the most life-changing things a person can build."
Dean Hunt
FINANCIAL ADVISER"Ask me about why I think financial education in schools matters just as much as advice."
Kris Hudson
FINANCIAL ADVISER"Ask me about what running a business taught me about what clients really need from an adviser."
Steven Higginbotham
FINANCIAL ADVISER"Ask me about the one client conversation that stayed with me longest."
George Grant
FINANCIAL ADVISER"Ask me about why making financial planning feel stress-free is harder than it looks."
Barry Gordon
FINANCIAL ADVISER"Ask me about what four decades in financial services teaches you about staying calm."
Lynne Gadsden
CHARTERED FINANCIAL PLANNER"Ask me about the difference my advice has made to my clients' lives."
George Gadsden
FINANCIAL ADVISER"Ask me about the most interesting financial situation a client's ever brought through the door."
Andy Fry
FINANCIAL ADVISER"Ask me about what fifteen years running a business taught me that changed everything."
Alex Dean
FINANCIAL ADVISER"Ask me about the conversation I had with a client's teenager that changed how I think."
Stephen Davis
FINANCIAL ADVISER"Ask me about what thirty years in this industry has taught me about sticking to a plan."
Gareth Davies
MORTGAGE ADVISER"Ask me about my dog Olive and why she's my best conversation starter."
Connor Dalton
CHARTERED FINANCIAL PLANNER"Ask me about the moment a business owner finally stops worrying about money."
Jarrath Cush
FINANCIAL ADVISER"Ask me about what I think separates advice clients trust from advice clients accept."
Nick Clegg
CHARTERED FINANCIAL PLANNER"Ask me about why a financial adviser's reputation is built in the quiet moments."
Dawn Carey
MORTGAGE AND PROTECTION ADVISER"Ask me about the thing people worry about most that almost never turns out to be the problem."
Josh Cardy
FINANCIAL ADVISER"Ask me about what financial freedom actually looks like the moment a client achieves it."
Michael Bull
FINANCIAL ADVISER"Ask me about why the decisions people make just before retirement matter more than anything else."
Stuart Brown
FINANCIAL ADVISER"Ask me about why I think consistency is the most underrated quality in a financial adviser."
Andrew Brown
CHARTERED FINANCIAL PLANNER"Ask me about which golf course beginning with X I'm trying to find next."
Tim Blackmore
FINANCIAL ADVISER"Ask me about what my family has taught me about long term financial planning."
Jack Bell
FINANCIAL ADVISER"Ask me about why I think the first conversation is always the most important one."
Richard Batchelor
FINANCIAL ADVISER"Ask me about what a DIY project and a financial plan have in common."
OUR SERVICES Financial advice for
Financial advice for
every stage of your life
Most people come to us with a single financial concern, and quickly realise everything is connected. From building your wealth to protecting it, these are the areas where we provide investment advice.
Financial Planning Services
Retirement Planning Services
Inheritance Tax Planning Advice
Later-Life Planning Advice
Mortgage Advice Services
Insurance and Protection Services
Investment Planning Services
Financial Advice for Business Owners
The Strength of EIGHT
Personal advice, backed by something bigger
A full team built around you. You and your adviser won’t work alone.
You’ll always have a dedicated adviser, supported by a wider team of specialists checking that every advice you receive is sound, regulated and backed up by UK’s leading financial firm, St James’ Place.
EIGHT Financial Advice is a Principal Partner Practice of St James's Place. This means your investments benefit from the scale, research and governance of a FTSE 100 company who are one of the UK's largest financial advice firms.
The value of investments can rise and fall. Positive returns are more likely if you invest for the long term, but this is not guaranteed and you could get back less than you invest.
FINANCIAL INSIGHTS
Smart decisions start with an informed mind
Prefer to do a bit more research first? Explore our latest articles, guides and top tips designed to help you start planning your finances with confidence.
Or if you’d rather talk it through, we are here to help.
BUSINESS OWNERS
Financial planning for business owners: what is different and why it matters
5 min read
RETIREMENT PLANNING
Pension drawdown versus annuity: which is right for you?
8 min read
INHERITANCE TAX
Lifetime gifts and the seven-year rule explained
4 min read
News & Events
All news & events
Latest from Eight
We run seminars on a wide-range of financial planning topics around the country. We also host financial education sessions in the workplace and in schools. Find out when we are hosting one near you.
FREQUENTLY ASKED QUESTIONS
Everything you need to know before we speak
Here are a few of the questions people usually ask before their financial planning journey.
What is your connection to St. James’s Place?
EIGHT Financial Advice are a Principal Partner Practice of St. James’s Place. That means we offer you personal advice locally, backed by the strength, research, and expertise of a much larger organisation. SJP administers the management and investment of your funds, including the selection of your fund managers and investment portfolios.
Why does it take long to withdraw my money?
We’ve heard this question many times, and it’s a good one. The reason is that your money is often invested rather than held as cash. Before funds can be withdrawn, investments may need to be sold, instructions processed and the necessary checks completed to ensure everything is accurate and your interests are protected. If everything proceeds as expected, the time it takes to receive your money will depend on the type of investment you hold. Simpler withdrawals can often be completed within 3 to 4 working days, while more complex cases typically take no longer than 8 weeks.
Can I access my money whenever I want?
In most cases, yes. Depending on how your money is invested, there may be timing, tax, or cost considerations. We’ll always explain this clearly before you invest it or make any decisions.
Is the first meeting free?
The first meeting is a chance to talk things through and see if we’re the right fit, with no obligation to proceed or become a client. If you do decide to become our client, the cost of this first meeting is built into our advice fees.
What if I don’t have a lot of money yet?
That’s completely fine. Many people start before they feel “ready”. What matters is putting a plan in place, not where you’re starting from.
What if I already have pensions or investments elsewhere?
That’s very common. We’ll review what you already have and help you understand whether it’s working for you or needs improving. If it’s doing well where it is, we’ll tell you.
Can you help with more than one area of advice?
Yes. Our advice cover pensions, mortgages, insurance and protection, inheritance and tax planning, later life care, business and corporate planning and many more. We can bring everything together so it works as one clear plan.
How often will we speak after becoming a client?
As often as you need. We offer ongoing support and regular reviews to keep your plan aligned with your life.
We're here to help
Take the first step
It takes less than a minute and we’ll respond within 24 hours. No obligation. No pressure. Just helpful advice.
Head Office
Fusion 1, 1000 Parkway, Whiteley Hampshire, PO15 7AA