Business Details
39 Years
experience
Trusted Financial Advisers in London
Modern Money has been delivering independent financial advice and money management services to individuals and businesses since 1987. Our approach combines professional expertise with personal insight to create tailored solutions aligned with clients' financial goals. We specialise in financial planning, tax-efficient investment strategies, pension and retirement planning, and ethical investment options. Our team holds extensive experience in navigating complex financial landscapes, ensuring compliance with FCA regulations while prioritising client needs.With offices in London and Edinburgh, we maintain a commitment to transparency, ethical practices, and ongoing portfolio management through quarterly rebalancing services. Our directors, Marcus Paine and Lindsay Edmunds, lead a team dedicated to delivering strategic financial clarity in an ever-changing economic environment.
Services
Financial Planning
Inheritance Tax Planning
Pension and Retirement Planning
Annual Investment Review
Quarterly Rebalancing Service
Tax Efficient Investment
Financial Protection
Ethical Investment
Details
- Year established: 1987
Highlights and features
- We have over 35 years of experience in independent financial advisory services.
- Our team holds FCA-authorised status for regulatory compliance expertise.
- Quarterly portfolio rebalancing ensures ongoing investment optimisation.
- Specialised tax-efficient investment strategies tailored to individual risk profiles.
- Ethical investment options aligned with UN environmental, social, and governance principles.
Associations and certifications
- Financial Conduct Authority
Services
Financial Planning
Our financial planning service helps clients make informed decisions about money by establishing clear financial goals. We analyse current financial positions through comprehensive data gathering, including assets, liabilities, and income streams. Recommendations are tailored to individual circumstances, focusing on long-term strategic planning for sustainable wealth growth.
Inheritance Tax Planning
We help clients structure assets to control succession while minimising inheritance tax liabilities. Our strategies include lifetime gifting, nil rate band utilisation, and residential property planning. Clients receive guidance on navigating the complex interplay between estate valuation, tax thresholds, and family needs to preserve wealth for future generations.
Pension and Retirement Planning
This service focuses on optimising pension fund accumulation and tax-efficient retirement income strategies. We advise on tax-free lump sums, pension freedoms post-2015, and coordinated investment approaches. Our planning considers individual risk profiles and income requirements to ensure sustainable retirement finances.
Tax Efficient Investment
We specialise in creating tax-efficient investment portfolios using ISAs, pensions, and venture capital trusts. Our strategies maximise available tax reliefs while aligning with clients' risk preferences. Services include EIS/VCT planning, capital gains tax optimisation, and pension contribution structuring within annual allowance limits.
Ethical Investment
Our ethical investment service constructs portfolios aligned with environmental, social, and governance (ESG) principles. We offer model portfolios for cautious to moderate risk profiles and bespoke solutions for specific ethical requirements. Investments exclude fossil fuels, tobacco, and armaments while maintaining financial performance standards.
People
Marcus Paine
Managing Director
Marcus oversees company operations and provides specialist financial advice on pensions, investments, and tax planning. He ensures FCA compliance and strategic policy implementation while maintaining direct client advisory responsibilities.
Lindsay Edmunds
Financial Director
Lindsay manages financial operations including budgeting, cash flow analysis, and account management. She works closely with Marcus to ensure financial models align with regulatory requirements and business growth objectives.
Valerie Spence
Client Account Manager
Valerie serves as primary client contact, implementing financial plans and maintaining transaction records. She leads quarterly model portfolio production and ensures service quality through proactive client communication and support.
Agi Stewart
Paraplanner
Agi supports financial advisers with client proposals, suitability reports, and quarterly commentary. She collaborates with directors to maintain compliance standards and deliver detailed investment analysis for portfolio management.
Marie Hughes
Client Account Manager & Compliance Manager
Marie manages client relationships while overseeing regulatory compliance systems. She maintains FCA reporting requirements, updates compliance registers, and ensures internal procedures meet financial services regulatory standards.
Questions
What financial services does Modern Money offer?
We provide financial planning, inheritance tax planning, pension and retirement solutions, tax-efficient investments, ethical investment options, and quarterly portfolio rebalancing services.
How is Modern Money regulated?
We are authorised and regulated by the Financial Conduct Authority (registration number 150571) for financial services in the UK.
What areas do you serve?
We operate from offices in London (Holland Park) and Edinburgh, serving clients across the UK with nationwide financial advisory services.
How do you charge for your services?
Our charging structure is transparent and detailed in our regulatory documentation. Specific fee arrangements are discussed during initial client consultations.
What investment approaches do you specialise in?
We offer tax-efficient investments, ethical portfolios aligned with ESG principles, and traditional wealth management strategies tailored to individual risk profiles.
