Julian Baker

We are an independent financial advisory and planning firm committed to assisting clients throughout the United Kingdom, from Scotland to Kent, in making informed decisions regarding their financial future and strategising to fulfil their objectives. Our methodology involves collaborating with clients over multiple years to ensure that our investment solutions are specifically tailored to their individual circumstances. A goal may encompass a range of financial aspirations, including determining the requisite amount to borrow for purchasing a home or establishing a savings plan that enables an individual to retire or reduce working hours without the apprehension of depleting their financial resources. We deliver our services through face-to-face consultations, digital communication, and client portals, which are offered at no additional cost. These portals enhance security while providing clients with comprehensive visibility of their financial assets and documents. Our firm adopts a simple and straightforward approach to eliminate unnecessary complexity, utilising clear and accessible language to foster a sense of ease and confidence in clients' decision-making processes. This methodology is applied across all product categories, as we are fully licensed to offer services in pension planning, investment, protection and insurance. In terms of fees, we provide a range of options that include fixed fees, time-based fees, and percentage-based fees. For larger investments, we generally recommend fixed fees, as they tend to provide better value for our clients. **Fees:** Fixed fees are typically more beneficial for clients with substantial investments. These fees generally begin at £500 and may increase to £2,500 for complex and time-intensive services. Each fee structure is customised according to the client's specific circumstances, with discussions regarding costs and time requirements conducted upfront. In accordance with our passive investment philosophy, we strive to maintain investment management and platform costs below 0.40%, which is significantly lower than many firms linked to specific products. Our approach includes utilising a combination of proprietary models and outsourced services when such options are more advantageous for our clients. In all instances, our advisory services are grounded in ensuring that clients have the best opportunity to achieve or maintain their financial objectives. Clients are entitled to request performance evaluations at any time. Our firm is pleased to offer a range of specialised services that leverage our unique expertise, specifically: - Divorce mediation aimed at reducing legal expenses - Expert witness reports provided to solicitors for cases that proceed to court regarding divorce - Assistance with probate matters - Support in the drafting of wills - Calculations for capital gains tax - Calculations for inheritance tax - Guidance on income tax and the preparation of personal tax returns - Strategic planning for property acquisitions and the release of equity from properties for the purpose of gifting