Your Complimentary Financial Consultation
Your financial advice partner
Through your TOTUM membership, you have access to a complimentary initial consultation with a Kind Wealth financial adviser.
This is a relaxed, no-obligation conversation focused on you. We’ll explore where you are today, what you’d like your future to look like, and how financial advice could help you move forward with clarity and confidence.
What would you like help with?
Everyone’s financial circumstances are different. Choose the situation below that most closely reflects where you are today and explore how we could help.
Feel more confident about retiring in the next couple of years
If you are hoping to retire within the next couple of years, you may be wondering whether you have enough to stop working, what your retirement income could look like and how to make the most of your pensions and savings.
A Kind Wealth financial planner can help you move from having a collection of pensions, savings and investments to having a clear plan for the transition into retirement and the years that follow.
Questions we can help you explore:
Am I on track to retire within the next couple of years?
When could I realistically afford to stop working?
How much income might I need in retirement?
How could I use my pensions, savings and investments to create an income in retirement?
How can I make my retirement income as tax-efficient as possible?
How can I make my money last throughout retirement?
A financial planner can help you:
Define your retirement goals
Clarify what you want retirement to look like, how you want to spend your time and how your lifestyle may change.
Work out how much income you need
Estimate your retirement income needs and review your pensions, savings, investments and expected State Pension.
Understand your financial position
Bring your arrangements together to see where you stand and identify any potential gaps in your retirement plans.
Explore different retirement scenarios
See how retiring at different ages, working part-time, changing your spending, inflation or living longer could affect your future.
Plan how to use your money
Explore how and when to draw income tax-efficiently while considering investment risk and other important financial decisions.
Protect your long-term security
Create a flexible strategy that can adapt as circumstances change while considering the financial needs of your spouse, partner or family.
Give a significant sum a clear purpose
Receiving an inheritance, windfall or significant bonus can open up new possibilities. It can also leave you with important decisions to make and uncertainty about where to begin.
If the money has come from an inheritance, you may be making those decisions while dealing with the loss of someone close to you. There is not always a need to act immediately, and taking time to understand your options can help you avoid making decisions that you later regret.
A Kind Wealth financial planner can help you look beyond the immediate question of where to put the money and consider how it could support your life as a whole.
Questions we can help you explore:
How much should I keep as cash for the time being?
Should I pay off my mortgage or other borrowing?
How could I use this money to support my family?
Should I invest some of it for the future?
How could this money help me retire earlier or more comfortably?
What should I consider before making any big decisions?
How could this money support the things that matter most to me?
A financial planner can help you:
Understand your financial position
Review where you are now, what matters most to you and how this money fits into your wider financial plans.
Decide how much to keep accessible
Work out what you may want to hold back for emergencies, planned spending and shorter-term goals.
Explore how the money could support your goals
Consider options such as repaying borrowing, buying a home, helping family, working less or retiring earlier.
Balance spending, saving and investing
Decide how much you could spend, give away, save or invest without compromising your longer-term financial security.
Structure the money tax-efficiently
Make appropriate use of pensions, ISAs and other allowances, while considering investment risk, timeframe and potential returns.
Create a clear long-term plan
Use financial forecasting to compare different options, identify where specialist advice may be needed and build a plan that can evolve with you.
Find the right way to build or manage your money
You may be looking for a straightforward way to begin investing, or you may already have money across savings accounts, ISAs and investments and be wondering whether you are making the most of it.
Through your TOTUM membership, Kind Wealth and Quilter Invest provide two different routes. This helps you access support that reflects your circumstances, the decisions you need to make and where you are in your financial journey.
Personalised financial planning
Turn your savings and investments into a clear financial plan
You may have accumulated money across savings accounts, ISAs, pensions and investments, but still be unsure whether everything is working together effectively or what your money could make possible in the future.
Personalised financial advice will generally offer greater value when your circumstances are more complex or you have approximately £100,000 or more across your savings and investments.
A Kind Wealth financial planner can help you:
Understand what you want your money to help you achieve, both now and in the future.
Review your existing savings, pensions and investments to understand what you have and how they are currently structured.
Consider how much you may need to keep readily available in cash and how much could be invested for the longer term.
Assess whether you are taking an appropriate level of investment risk for your goals and timeframe.
Consider whether your investments are sufficiently diversified and whether any unnecessary duplication exists.
Make appropriate use of pensions, ISAs and other available allowances to help structure your finances tax-efficiently.
Explore whether bringing some of your existing arrangements together could make them easier to manage, where doing so would be suitable and beneficial.
Use financial forecasting to understand what your savings and investments could allow you to do, including whether you may be able to retire earlier, work less or provide financial support to your family.
Create a clear plan that can be reviewed and adapted as your circumstances, priorities and financial markets change.
The £100,000 figure is a guide rather than a strict threshold. Advice may also be valuable if you are approaching retirement, have received a significant sum of money or are facing another important financial decision.
Quilter Invest
Start or continue building your investments
If you are still building your savings and investments and feel comfortable making your own investment decisions, Quilter Invest offers a straightforward way to invest without receiving personalised financial advice.
Knowing what to invest in can be one of the most difficult parts of investing independently. When you access Quilter Invest using the Kind Wealth referral code, you will be shown a streamlined range of Quilter funds, rather than having to navigate the wider range of investments available on the platform. The range includes funds that Kind Wealth financial planners commonly recommend to advised clients where suitable for their individual circumstances. This can make it easier to understand and compare the available options while leaving you in control of your investment decision.
Through the TOTUM, Kind Wealth and Quilter Invest offering, you can:
Start investing with as little as £10.
Make one-off payments or contribute regularly each month.
Transfer eligible existing Stocks & Shares ISAs to Quilter Invest.
Bring eligible existing pension pots together within a Quilter Invest Self-Invested Personal Pension.
View and manage your pension and other investments through the Quilter Invest app.
Pay an annual platform charge of 0.15% with no monthly subscription fee.
Access learning and tools to help build your financial confidence.
Quilter Invest can help you begin, continue building or bring more of your investments together in one place, while keeping the option of personalised financial advice open as your circumstances and needs develop.
Not sure which route is right for you?
Our comparison page explains the differences between personalised financial advice and investing without advice, helping you consider which route may be more appropriate for you at this stage.
Your financial planning partner
Your initial consultation is a relaxed, no-obligation conversation focused on you.
We will explore your current position, what you would like your future to look like and the decisions you are considering. If we believe financial advice could add value, we will explain how we may be able to help and any costs involved before you decide whether to proceed.
Advice shaped around your life
Financial planning is not simply about choosing financial products. It starts with understanding what you want your money to help you achieve.
If you decide to work with us, your financial planner will develop a personalised plan based on your circumstances, priorities and goals.
Clear explanations and no pressure
Important financial decisions can feel complicated. We will explain your options clearly, answer your questions and give you the space to make an informed decision.
Your initial consultation is complimentary and without obligation. You remain in control of whether you proceed.
Expertise you can rely on
Our financial planners are experienced in helping individuals make the most of their money, whether you’re building for the future, planning for retirement, or wanting to feel more in control of your finances.
We are a Top Rated Advice Firm
We’re proud to say we are included in the VouchedFor Top Rated Guide as a Top Rated Advice Firm, distributed by the Times and the Telegraph. VouchedFor is the UK’s leading customer review site for financial advisers and planners.
The purpose of this guide is to help identify the best advisers and financial planners throughout the UK based on client feedback.
There are around 6,000 financial advice firms across the UK, and just 165 are included in the 2026 Top Rated guide.
How it works
1
Tell us what you would like help with
Complete our short form or call us on 01905 701270. You do not need to prepare anything before getting in touch.
2
We match you with a financial planner
We will review the information you provide and match you with a planner suited to your needs and goals. If another route is likely to offer better value for your circumstances, we will explain that to you.
3
Have your complimentary initial consultation
Meet your financial planner at a convenient time to discuss your position, priorities and the questions you would like answered.
During particularly busy periods, if we cannot offer an appointment within a suitable timeframe, we may introduce you to one of our trusted partners, Quilter Financial Advisers or James Leighton Financial Services. Your initial consultation will remain complimentary and without obligation.
Not sure whether financial advice is right for you?
You do not need to make that decision alone.
Our comparison page explains the difference between personalised financial advice and investing without advice, so you can consider which route may be more appropriate for you.
Ready to feel clearer about your financial future?
If you are approaching retirement, have received a significant sum of money or want to make more of the savings and investments you have accumulated, your complimentary initial consultation is a good place to start.
What others say...
Ready to take the next step?
If you’d like to take the next step and explore this further, you can book a complimentary, no-obligation consultation.
