Who we are & what we do

In a nutshell, financial planning means sorting out your finances – both as they stand today and where you want them to be in the future.

What we do

As independent financial planners, our job is to take a look at people’s finances and find ways to improve them. We do that by finding our clients the best solutions and financial services FOR THEM.

It’s that simple.

Don’t underestimate the ‘independent’ bit. It allows us to to be completely unbiased and look anywhere in the financial services marketplace to find the ideal fit for our clients.

Why see a Financial Adviser?

People have the best intentions when it comes to looking after their finances and planning for the future, but all too often life gets in the way. Sorting out our long-term  financial security fits into the ‘Important’ pile but more immediate issues come under the ‘Urgent’ pile. That’s why people come to us. We give our clients a financial health check to reassure them that tomorrow’s finances are on track. That way, they can concentrate on today’s more pressing issues.

How we work with you

 We want to help as many people as we can, but it’s only worth your while becoming our client if we can make a real difference to your finances.

Step 1 Free Consultation

You tell us a bit about your finances and your current situation. We’ll then seek your permission to contact your product providers to ask them a few questions and do a bit of research.

Step 2 Health Report

We analyse exactly what products, services, finances and potential issues you have. We’ll report back on what we find – ‘These guys have done a good job, these guys are expensive’ – and suggest what to do next.

At this point, you can decide if you would like us to work for you.

Step 3 Team approach

Once you’ve decided you’d like us to help, we’ll really get stuck in. Our staff have different areas of expertise – from pensions to investments. We’ll discuss your financial strengths and weaknesses as a team, looking at them from different angles, to come up with the perfect solution for you.

Frequently Asked Questions

I don’t know what you do. Is it to do with investments?

Investments are an important part of what we do in the context of the overall picture. Most of our time is spent managing people’s money; making sure it works as hard as possible. First, we build a picture of where you are today in financial terms, then we look to where you’d like to be. Once we know that, we’ll build you a bespoke plan that will help you to realise your financial goals.

Do I have enough money to need financial advice?

We strongly believe that financial advice should be available to anyone who wants it, and we’ll help wherever we can. As long as we think we can make a difference to your financial security we will find a way of working that works for you.

Why should I choose Xentum?

We have been in the marketplace for 13 years, we have a proven track record and have grown – and helped our clients to grow – through the recession. Our team have a range of specialisms but we all understand people’s concerns, know the financial markets inside out, and make people’s money work harder on a daily basis.

Am I protected and what are the risks?

The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves.  To contact the Financial Ombudsman Service, please visit www.financial-ombudsman.org.uk  The value of your investment and the income derived from it can go down as well as up and you may get back less than you originally invested.

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