Business Details
27 Years
experience
Your Trusted Partner for Financial Planning Solutions
Wealth Matters has been delivering tailored financial planning solutions since 1999, founded by Julian Gilbert to address gaps in client-centric financial services. Our team of Chartered Wealth Managers and Certified Financial Planners brings decades of collective experience, serving professionals, contractors, and business owners. We prioritise understanding individual client needs, creating bespoke strategies for retirement, estate planning, and investment management. As one of the UK's 65 Accredited Financial Planning firms, we combine regulatory compliance with ethical practices.Our WRAPS system ensures diversified portfolios aligned with client risk tolerance, while regular reviews maintain long-term financial security. Client testimonials highlight our transparent communication, expertise in inheritance tax mitigation, and sustained advisory relationships spanning two decades. We operate from four UK offices, maintaining FCA authorisation and a commitment to industry-leading standards.
Services
Financial Planning
Retirement Planning
Estate Planning
Investing
Inheritance Tax Advice
Details
- Year established: 1999
Highlights and features
- 25+ years of client-focused financial advisory experience
- Chartered Wealth Managers with industry-recognised certifications
- FCA-authorised and independently regulated framework
- WRAPS system for diversified, risk-managed investment portfolios
- Regular plan reviews ensuring long-term financial alignment
Associations and certifications
- Financial Conduct Authority
- Accredited Financial Planning Firm
What people say
Highly qualified team
Personalised approach
Ethical and principled manner
Services
Financial Planning
Our financial planning service creates comprehensive strategies tailored to individual life goals. We analyse current financial positions, develop custom roadmaps for asset growth, and implement tax-efficient solutions. Clients benefit from ongoing support through changing circumstances, ensuring sustained financial security.
Retirement Planning
Specialised retirement planning focuses on optimising pension arrangements and income streams. We assess risk tolerance, model future scenarios, and implement diversified investment strategies. Regular reviews ensure alignment with evolving retirement goals and regulatory changes.
Estate Planning
Estate planning services protect family wealth through tax-efficient structures. We coordinate wills, trusts, and inheritance tax mitigation strategies while maintaining liquidity for immediate needs. Our approach balances legal compliance with personal legacy objectives.
Investing
Investment management combines strategic asset allocation with risk-controlled execution. Using our WRAPS system, we create diversified portfolios aligned with client objectives. Continuous market monitoring ensures optimal performance relative to individual risk profiles.
Inheritance Tax Advice
Inheritance tax specialists identify potential liabilities and implement legal reduction strategies. We educate clients on exemptions, gifting strategies, and trust structures while maintaining investment growth objectives within compliant frameworks.
People
Julian Gilbert
Founder and Director
Certified Financial Planner with over 25 years' experience establishing Wealth Matters as an FCA-authorised firm. Chartered Wealth Manager specialising in ethical financial strategies for high-net-worth individuals and business owners.
Bruce Nash
Partner
Chartered Wealth Manager with expertise in complex financial planning solutions. Specialises in retirement income strategies and investment structuring for professionals and business owners across multiple UK locations.
Katherine Pautard
Partner
Certified Independent Financial Planner with advanced qualifications in securities and investment management. Focuses on creating tax-efficient wealth preservation strategies for clients in regulated professions.
Chris James
Chartered Financial Planner
Specialises in self-invested pension arrangements and ethical investment portfolios. Holds advanced securities qualifications, advising clients on risk-appropriate strategies aligned with long-term financial objectives.
Graham Dormer
Independent Financial Planner
Experienced adviser providing comprehensive financial planning services, with particular focus on mid-career professionals. Expertise in integrating investment management with life-stage financial requirements.
Questions
What financial planning services do you offer?
We provide comprehensive financial planning covering retirement strategies, estate preservation, investment management, and inheritance tax mitigation tailored to individual circumstances.
How are your investment strategies different?
Our WRAPS system ensures diversified portfolios with controlled risk exposure, combining strategic asset allocation with regular performance reviews aligned to client objectives.
How does the financial planning process work?
We follow a three-step process: discovery of financial goals, creation of customised plans, and ongoing reviews to maintain alignment with changing life circumstances.
Are you regulated by financial authorities?
We are authorised and regulated by the Financial Conduct Authority (No. 300635) and maintain full compliance with UK financial services regulations.
What areas do you serve?
We operate from four UK offices in Luton, Harpenden, Great Missenden, and London, serving clients nationwide through in-person and virtual consultations.
How can I make a complaint?
Complaints can be submitted via our formal process outlined in the FCA-regulated framework, with unresolved issues escalated to the Financial Ombudsman Service.
