Reimagining wealth management with transparent fixed fees putting you first.
We exist to help you make confident decisions and live life on your terms. Transparent fees, honest advice and planning built around you not your money
Our fixed fee approach is fairer and transparent.
As a data-led, people-first business, we don’t believe in benefitting from your wealth.
Unlike far too many traditional financial advisers, we don’t charge percentages or present you with confusing data and variable, inexplicable fee structures.
Our Movement of Clarity
Financial advice has spent decades clouded by complexity percentage-based fees, hidden costs, and a lack of accountability.
We think it’s time for change.
The Movement of Clarity is our commitment to doing things differently. It’s about transparent, fixed-fee financial planning advice that’s priced around the work we do, not the wealth you hold.
We believe clients deserve to see how value is created, not be left guessing what they’re paying for.
That’s why every fee we charge is clear, fair, and aligned with your goals backed by data, not percentages or sales targets.
We’re independent, purpose-driven, and proud to be challenging the industry to do better.
For us, clarity isn’t a marketing line it’s how we build trust, deliver confidence, and give you control over your future.
Because when advice is transparent, you make better decisions.
When fees are fixed, you keep more of your money.
And when you plan with clarity, you grab life not just numbers on a page.
Wealth management should be built around you not hidden fees or outdated models.
We help you cut through the noise, get clear on what you want, and build a plan that turns your vision into reality.
Our approach goes beyond finances it’s about your lifestyle, your wellbeing, and making space for the experiences that matter. Unlike traditional firms, we don’t take a percentage of your investments. Our transparent fixed fees mean the value stays where it belongs with you.
With a solid plan in place, we’re by your side to keep you on track, ensuring you build towards long-term goals while making the most of today. Time with the people who matter. The freedom to do what’s meaningful. That’s what real financial planning should deliver.
Protect today, enjoy tomorrow, live more.
Sport
Leverage Your Moment
You’ve done what few can: reached the top of your game. This isn’t just the peak it’s the start of something bigger.
Too many athletes are told the horror stories of lost fortunes and bad advice. That doesn’t have to be your story. With the right plan, you can protect what you’ve earned, stay in control, and build a future that lasts.
We give you clarity, not confusion. Freedom to focus on your sport today, while securing the life you want tomorrow.
You’re already ahead. Let’s keep you there.
Entrepreneurs
Build, Protect, and Plan for Your Future
You may already have a figure in mind for what you want your business to be worth. But real success isn’t just about the number, it’s about what that means for you, your family, and the life you want.
We’ll help you test whether that target truly supports your lifestyle, commitments, and long-term goals. Our focus is on extracting wealth efficiently, managing risk, and structuring your finances for tax efficiency, so you keep more of what you’ve built.
This is about more than an exit. It’s about freedom, choice, and creating a legacy that lasts.
Adventures
Make More of Life
Money is not the goal, it is the tool. The real value lies in what it lets you do and the memories you create along the way.
We help you use your money with purpose, giving you clarity and freedom to choose how you live today and tomorrow. With a fixed fee, you always know what you are paying, keeping more of your wealth for the experiences that matter most.
This is not about chasing numbers. It is about asking “what’s next?” and making sure your plan gives you the power to grab life.
Ready to get started? Arrange an initial discussion with a member of our team today.
Book an exploratory callNews and resources
We share practical ideas and clear guidance to help you make confident decisions and build a life that works for you.
And if there’s something you’d like us to cover, just ask we’re here to help.
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Vietnam and Cambodia
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Xentum Adventures: Planning for a Life Well-Lived
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Fixed Fee Financial Planning India
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The True Cost of 1% What Percentage Fees Hide
November 17, 2025 - 4 minutes read
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Financial Planning Education Why Knowledge Creates Confidence
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Xentum on Unbiased – Transparent Financial Advice You Can Trust
November 11, 2025 - 2 minutes read
Testimonials
Swipe to see more
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Xentum gave us confidence in our financial position, freedom to take amazing family holidays, and amazing support in exiting the corporate world.
Rob Murkerjee
Director of Transformation
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It is nearly two years since my solicitor introduced me to Dominic. In hindsight, I wish the introduction had been made sooner.
Pat Dawson
Alderley Edge, Cheshire
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We’ve worked together for a very long time now, I absolutely trust the team implicitly. Dominic is a very values-led person and that permeates the entire company.
Ian & Pam Mahoney
Kingston upon Thames
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Xentum have been financial advisers to our family for over ten years. The team are friendly, committed, expert and trustworthy we feel very well looked after. It makes such a difference to work with people who take the time to understand our needs, and who always have our best interests at heart.
Val Fitton
Lancashire
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It is rare to work with a company over so many years. We have done so because the team is driven by sound values and continually demonstrates their genuine care for the wellbeing of their clients. We couldn't recommend them highly enough.
Colin & Ineke McCulloch
Marlow
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We have been with Xentum for many years now and have always been extremely happy with the service we receive generally and the care, quality, and professionalism of all the team. Their genuine friendliness and warmth is ever present.
David & Joan Clapperton
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The in-depth exploration of values and the detailed cashflow modelling exercise has been very worthwhile. If you are seeking actionable clarity on your finances and personal goals, this is an excellent place to start.
Ian Fisher, MD, Penistone
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Ed's advice was clear and externally useful in giving a very clear view on my finances, and my retirement, plus our pensions. we will be using him again to help us.
Steve
Senior Manager
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Sasha has helped me a lot, because I would not feel competent or confident to manage my financial affairs single-handedly. I value her thorough understanding of my position, both financially and in broader life terms, and the friendly and open way in which she discusses relevant matters.
Josephine
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Ed is great- he understands our needs and goals and helps us to make wise decisions to meet those, whilst explaining things in a way we can understand. He is personable and on hand for queries outside of the annual review as things arise and change.
Katy
Director
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Ed helped with our pensions and savings which were consolidated into manageable accounts from which payments were made to us. We sold a large property and moved to a flat in London. He has advised regarding IHT planning in relation to gifting money to our children. He has organised our finances so that we are living comfortably and have the resources to move eventually into a care home.
David
