FAQs

Yes. With independent financial advice, we can recommend solutions based on your needs rather than being tied to one provider. This helps ensure your financial plan is built around your goals, circumstances, and long-term interests.

Yes, Blue Wealth is regulated by the Financial Conduct Authority (FCA). This means the firm must meet the FCA’s standards when providing regulated financial advice. Our FCA registration number is 1049797.

Yes, you can choose to meet in person or by video call. We want the process to feel convenient, comfortable, and suited to the way you prefer to work. Please contact us to book an appointment.

Face-to-face meetings can be held at our Bristol office, at your home, or at another suitably private venue. We’ll agree the most appropriate option with you before the meeting.

Parking can be accommodated on request. Please let us know before your visit so we can make suitable arrangements where possible.

Blue Wealth has been providing financial advice for 16 years. Over that time, we have helped clients build clear, practical plans for their financial future.

Blue Wealth is based in Bristol (BS8 2QB). We work with clients locally and nationally, with online meetings available for those who live further afield.

Yes, both Chartered and Certified financial planners are part of the business. This reflects the high level of professional knowledge and technical expertise within the team.

Yes, Blue Wealth holds Chartered status as awarded by the Chartered Insurance Institute (CII). This is an important professional accreditation for financial planning firms.

Yes, in our Client stories, you can view client reviews and testimonials from people who have worked with us. These share the difference financial planning has made for them.

Blue Wealth combines sophisticated financial modelling, highly qualified financial planners, and fair pricing. Our aim is to give you clarity over your future and a plan that helps you make confident decisions.

Blue Wealth’s FCA registration number is 1049797. You can use this number to check the firm’s registration and authorisation on the FCA Register.

We work with clients in Bristol, Bath, and the surrounding area. We also support clients nationally through online meetings.

You can book an initial meeting by calling 0117 332 0230, emailing hello@bluewealth.co.uk, or completing our contact form so we can arrange a convenient time to talk.

No, you do not have to pay for an initial meeting. It is an opportunity for us to get to know each other and decide whether working together is right for you.

It helps to come with an awareness of your financial circumstances. You do not need everything perfectly organised, but a broad understanding of your position will help us have a useful conversation.

The first meeting is about getting to know each other. We’ll talk about your circumstances and goals, then decide whether it is appropriate for us to work together.

You should allow around one to one and a half hours for an initial meeting. This gives us enough time to understand your situation and answer your questions properly.

No, there is no obligation to sign up at the initial meeting. The conversation is there to help you decide whether Blue Wealth is the right fit for you.

No, we do not currently have a female financial planner. However, you will be supported by our experienced wider team, half of who are female, and you can learn more about them on our Meet the team page.

If your financial planner is away, our experienced support team will still be available to help. There will always be someone you can contact if you need support.

You will have annual meetings and receive monthly newsletters. We’ll also be available if something changes and you need to speak to us between reviews.

Yes, cashflow forecasting is part of our service. We use comprehensive modelling to help you understand what your future could look like and how different decisions may affect your plans.

If your circumstances change, please contact us so we can review your plan and discuss whether any updates are needed.

Yes, we can work alongside your accountant or solicitor. If you do not already have one, we can also recommend professionals we trust.

Yes, we can coordinate with your mortgage adviser if they need information from us. This helps keep the process joined up and straightforward for you.

This is very unlikely, as all our financial planners are shareholders and owners of the business. If it did happen, you would be looked after by another planner at Blue Wealth.

Yes, you can see an example of a financial plan during the first meeting. This will help you understand what the process looks like and how your plan could support your decisions.

Yes, you can see the value of your investments online. This gives you live access to your information, 24/7.

Yes, clients have access to an online portal. You can use it to view your investments whenever you need to.

You will meet with your financial planner at least once a year. More meetings can be arranged if required.

No, Blue Wealth does not advise on mortgages. We focus on financial planning and other areas of regulated financial advice.

Yes, Blue Wealth can provide equity release advice and help you understand whether it is suitable for your circumstances before making any recommendation.

Yes, we can advise on personal pensions and help you understand how they fit into your wider financial plan.

Yes, we can advise on occupational pensions and look at how they support your long-term goals and retirement plans.

Yes, we can help you review and consolidate multiple pensions where appropriate. We’ll explain the advantages, disadvantages, and whether consolidation is right for your circumstances.

Yes, we can help you plan how to take your pension tax-efficiently. We’ll consider retirement income in the context of your wider financial position, so you can make informed decisions.

Yes, we can help with ethical or sustainable investing. We’ll discuss how your investment approach can reflect your preferences.

Yes, if you receive an inheritance, we can help you understand your goals before recommending how the money could be used or invested.

Yes, we can advise on self-invested personal pensions and help you understand whether a SIPP is suitable for your needs and long-term objectives.

No, Blue Wealth does not advise on final salary or defined benefit transfers. However, we can still help with wider retirement planning and explain how this affects the areas we can advise you on.

Yes, we can include later-life planning and long-term care in your wider financial plan. We’ll help you think through your options clearly. Please read our guide to planning later-life care for more information.

Yes, we can help with Inheritance Tax planning and estate planning. We’ll look at how you can protect your family’s future while balancing your own needs and lifestyle.

Yes, we can advise on investments such as Individual Savings Accounts (ISAs). We’ll explain how they could fit into your overall financial plan and wider goals.

Yes, we can advise on protection, including life insurance, critical illness cover, and income replacement. This can help protect you and your family if life takes an unexpected turn.

Yes, our free initial consultation gives you the chance to ask questions, understand how we work, and decide whether we are the right fit for you.

Initial fees are based on the time required to complete the work. Ongoing fees are either percentage-based or bespoke, depending on the service you need.

Our minimum fee is £2,400. We’ll explain our fees clearly before you decide whether to proceed.

A basic financial plan typically costs £2,400. The exact cost will depend on your circumstances and the work required.

For investments up to £600,000, ongoing fees are percentage-based. For investments above £600,000, we charge a fixed fee.

We only receive commission on equity release advice. For other areas, we will explain how we are paid before you decide whether to work with us.

No, we do not charge VAT. We’ll explain all relevant costs clearly so you understand what you are paying for.

Our initial fees are lower than the market average, and our ongoing fees are around the market average. We aim to offer fair pricing for high-quality financial planning.

Fees vary between firms, but Blue Wealth is slightly lower overall than the market. We’ll explain our fees in detail so you can make an informed decision.

You can request our fees at any time, and we will discuss them in detail at the end of your first meeting.

Yes, we can help you understand whether retiring early could be possible. We’ll use financial planning and modelling to explore your options.

Yes, retirement planning is one of the ways we help clients. We’ll work with you to understand your goals and create a plan for the retirement you want.

We typically work with people who are at or approaching retirement, business owners, and people with inheritance planning needs. We also support clients in a range of other circumstances where financial planning can add value.

Yes, if you are building wealth, we’ll help you make decisions that support your long-term goals.

Yes, for company directors and self-employed clients, we can help you plan around your business, income, pensions, investments, and future goals.

Yes, we work with clients who are approaching retirement and those who are already retired. We’ll help you understand your options and make confident decisions about your future.

Yes, if you have inherited money, we’ll help you decide how to use, invest, or protect it in a way that fits your wider plans.

Yes, if you have sold a business or are selling one, we’ll help you think through what the proceeds could mean for your future and how they can support your goals.

Yes, we can help clients manage their finances after a bereavement. We’ll provide calm, practical support at a time when financial decisions can feel especially difficult.

Yes, we work with business owners, retirees, and professionals to tailor your financial plan around your circumstances, goals, and the decisions you need to make.

Yes, we can help if you already have investments or pensions elsewhere. We’ll review what you have and explain how it fits into your wider financial plan.

There is no set minimum amount of investable assets or income. However, if we do not believe we can provide value above our fees, we will tell you.

Yes, eligible investments may be protected by the Financial Services Compensation Scheme (FSCS). The level of protection depends on the type of product and your circumstances.

Blue Wealth has a complaints procedure. If you are unhappy, we will explain how to raise your concern and what will happen next.

We follow data protection regulations when handling your personal information. This helps ensure your data is treated securely and responsibly.

Yes, Blue Wealth is insured to give financial advice. This is part of the safeguards in place when working with a regulated financial planning firm.

You can check Blue Wealth’s registration and authorisation on the FCA Register. Blue Wealth’s FCA registration number is 1049797.

Yes, you can view client stories and videos from clients who have worked with Blue Wealth. These help show how financial planning has supported people in real-life situations.

We send a questionnaire after annual meetings. This helps us understand how clients feel about the service they receive and where we can keep improving.

Yes, Blue Wealth has been included in the Citywire Top 100 Firms list in 2025 and 2026. The business also had the CII Paraplanner of the Year in 2021.

No, Blue Wealth is not featured on VouchedFor. We chose to stop our membership because we believe it favours high-volume advisers, does not provide meaningful quality metrics, and does not reflect the way we intentionally work with a small number of clients.