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Independent Financial Planning

Your finances.
Your future.
A clear plan.

Expert, independent advice built around your life — not off a shelf. From retirement planning to investments and beyond.

FCA Regulated
100% Independent
Award-Winning Firm
Free Consultation
Happy couple enjoying financial freedom
Google Reviews

What our clients say

EXCELLENT
★★★★★
Based on 20 reviews
F
Frances Greenall7 months ago
★★★★★

"My thanks again to Paul and the team for ongoing support over the last three years. It's reassuring to have wise counsel in turbulent economic times. His recommended investment strategy is, quite literally, paying dividends."

R
Richard Eales9 months ago
★★★★★

"Very happy with the advice and excellent return on my investments. Being able to pick up the phone and speak to Paul directly, in plain English — would highly recommend without exception."

R
Robin Ratcliffe10 months ago
★★★★★

"Since doing business with these guys my pension has performed far better compared to my previous offering. Sensible and easy to chat with — I thoroughly recommend Paul and Martin."

C
Colin Gill2 years ago
★★★★★

"Paul did what he said he would, kept me informed, explained each step, and got the job done efficiently. He is a consummate professional — a Professional's Professional."

See all 20 reviews
86%

of advised investors report greater peace of mind as a result of working with a financial adviser — and feel significantly more confident about their financial future.

Vanguard Advisor's Alpha Research, 2025
Why Piccadilly Wealth

Advice that makes a real difference

Our clients leave every meeting clearer, calmer and more confident about their future.

Whole-of-market independence

We search the entire market to find what's best for you — no ties to any provider.

Cashflow modelling and insight

We show you your financial future in clear, visual terms — so you can see exactly where you stand.

We listen before we advise

We take time to understand what you want from life, then build the plan around that.

A long-term partnership

We're with you as your life changes — reviewing, adapting and keeping you on track.

15+Years private banking experience
4×Award-winning across retirement & investment categories
3UK offices — Saffron Walden, Horsham & London
100%Independent, whole-of-market advice

"Great financial planning starts with a great conversation. We understand your life first — and build the plan around that."

— Paul Bartlett, Founder & Senior Adviser
No obligation

The right advice changes everything.

Your first consultation is free — a straightforward conversation about where you are, where you want to be, and how we can help.

0203 468 1775
Our Story

Built on expertise.
Focused on you.

Piccadilly Wealth was founded with a clear purpose: to deliver the quality of financial planning that genuinely changes people's lives.

Our founder Paul Bartlett spent eight years in Swiss private banking, gaining first-hand experience of what great financial planning looks like when it's done with real rigour and care. He returned to the UK determined to build a firm that brought that same standard of advice to a much wider group of clients.

The starting point is always your life — what you want it to look like now, in five years, in retirement — and the plan is built around that. Every recommendation we make is driven by a deep understanding of your goals, your situation and what matters most to you.

The team brings experience from investment banking, corporate treasury, private banking and beyond. We use the best planning technology available — cashflow modelling, portfolio analytics, tax optimisation — combined with plain-English conversation that makes complex things feel simple.

Every client gets time, attention and advice built specifically for them. That's how it should be.

Financial planning discussion

Our Values

Keep it simple

Clear, plain-English advice at every step.

Stick to the plan

Long-term focus and discipline beat short-term noise.

Do what is right

We always prioritise what's best for you.

Listen first

Your goals drive everything we do.

Empower our people

A great client experience starts with a great team.

Our Team

The people behind your plan

Decades of combined experience from private banking, investment management and financial planning.

Paul Bartlett
Paul Bartlett
Founder & Senior Adviser
DipPFS  ·  Cert CII (MP)  ·  BEng (Hons)

Started in foreign exchange markets before 8 years in Swiss private banking. Founded Piccadilly Wealth in 2020.

LinkedIn
Martin Spreadbury
Martin Spreadbury
Senior Adviser
DipPFS  ·  BSc (Hons)

Qualified adviser since 2004 with a background in investment banking and wealth management. Warwick graduate with exceptional breadth in tax-efficient planning.

LinkedIn
Paul Bashford
Paul Bashford
Financial Adviser
DipPFS  ·  BA (Hons)

Background in Corporate Treasury and 20 years at BNY Mellon in debt capital markets. Highly analytical with particular strength in pension and investment strategy.

LinkedIn
Tom Thorley
Tom Thorley
Financial Planner
IMC  ·  CISI Level 4 Dip  ·  First Class BSc

Technical expertise across investment analysis, paraplanning and cashflow modelling. First-Class degree in Business Economics.

Timothy Kwan
Timothy Kwan
Financial Adviser
DipPFS  ·  Cert CII (MP)  ·  MA

Former teacher and professional musician — an exceptionally clear communicator who makes financial planning genuinely accessible.

LinkedIn
Transparent Pricing

Simple, clear fees.

All fees agreed in writing before any work begins. No hidden costs, no surprises.

Fee 1 — Paid Once

Initial Advice Fee

Covers everything needed to build and implement your personalised financial plan — research, cashflow modelling, product analysis and implementation. Agreed upfront at your Planning Proposal meeting before any work begins.

Fee 2 — Paid Monthly

Ongoing Advice Fee

Keeps your plan on track as markets move and life changes — annual reviews, proactive monitoring, portfolio rebalancing and direct access to your adviser whenever you need them.

Your initial consultation is always free.
Both fees are presented and agreed at your Planning Proposal meeting — before we do anything.

Join Us

Build your career here.

We're building an exceptional firm and we need exceptional people.

Employed Financial Adviser

Saffron Walden · UK-wide client base

Employed
Apply by Email

Self-Employed Financial Adviser

Saffron Walden · UK-wide client base

Self-Employed
Apply by Email

General Application

Don't see the right role? We're always open to hearing from great people.

Your Financial Plan

Four steps to financial clarity.

"We're focused on making sure you have enough money to last for your lifetime, giving you peace of mind throughout."

1
Step One

Foundation

We assess every investment wrapper you hold — pensions, ISAs, bonds — ensuring the right features, costs and structure. Where products are outdated or expensive, we'll consolidate and improve.

2
Step Two

Optimise Your Investments

A rigorously researched portfolio tailored to your risk profile, timeline and goals — structured to minimise tax and make full use of available allowances.

3
Step Three

Action Plan

Cashflow modelling quantifies your goals, assesses whether you're on track and identifies any gaps — then we take concrete action to close them, shown in clear visual terms.

4
Step Four

Ongoing Service

Your plan evolves as your life does. We review at least annually, monitor proactively and adapt whenever your circumstances change.

Clients discussing their plan
★★★★★

"My pension has performed far better since working with Paul and Martin. Sensible, easy to chat with — I thoroughly recommend them."

Robin Ratcliffe, Client

How It Works

Your journey with us.

Clear, straightforward and transparent — here's exactly what working with us looks like.

1
Step 1

Initial Conversation

A free 20-minute call. No commitment, no paperwork — just a chance to understand your situation and see if we're the right fit.

2
Step 2

Discovery Meeting

A focused 60-minute session exploring your current position and your aspirations. This meeting shapes everything that follows.

3
Step 3

Planning Proposal

We outline the advice areas relevant to your situation and agree our fees in full before any work begins. No obligation to proceed until you're comfortable.

4
Step 4

Making It Happen

Your plan is built, refined and implemented — typically within three weeks. We manage everything and keep you updated throughout.

5
Step 5

Ongoing Support

At least one formal annual review, plus we're always available — whether your circumstances change or you simply have a question.

Financial adviser

Ready to get started?

Your first conversation is completely free and carries no obligation.

FAQs

Your questions, answered.

Everything you need to know about working with Piccadilly Wealth.

How do I get started?

Call us on 0203 468 1775 or use the contact form to book a free initial call. A 20-minute conversation — no paperwork, no commitment.

Who do you work with?

Individuals and families at all stages — from those building wealth in their working years to those approaching or in retirement.

Is the first meeting really free?

Yes — always. Your initial consultation is free and carries no obligation. We only proceed if both sides feel it's the right fit.

Do I need to come to your office?

No. We have offices in Saffron Walden, Horsham and London, but we work with clients UK-wide via video and phone — whatever suits you.

What is lifestyle financial planning?

It starts with your life — what you want it to look like now, in five years, in retirement — and builds a financial strategy to make that possible. Your goals drive everything.

Do I actually need a financial planner?

Research consistently shows that advised clients achieve better financial outcomes and greater peace of mind. Great planning helps you avoid costly mistakes, reduce tax, and stay focused on what matters.

What areas do you cover?

Retirement and pensions, investment management, inheritance tax and estate planning, and financial protection. Everything is tailored — no off-the-shelf solutions.

Do you use cashflow modelling?

Yes — it's central to how we plan. Cashflow modelling gives you a clear, visual picture of your financial future and what actions make the biggest difference.

How do you select investments?

A rigorous, independent process: assessing performance against benchmarks, manager consistency, charges and diversification. Every recommendation aligned to your risk profile and goals.

Can you consolidate my pensions?

Yes — and it's often one of the most impactful changes we can make. We'll assess whether it makes sense for your situation.

How are your fees structured?

An Initial Advice Fee (one-off) to create and implement your plan, then a monthly ongoing fee for ongoing advice. All confirmed in writing before we begin.

When do I pay?

Initial fees are only payable when you decide to proceed. Where applicable, fees can be deducted from the recommended product. Everything is agreed in advance.

Are your services subject to VAT?

No. Under current legislation, our financial planning and advice services are exempt from VAT.

How often will we meet?

At least once a year for a formal review. You can contact us at any time in between — we're always available.

What if my circumstances change?

Your plan evolves as your life does. Just get in touch whenever something changes — we'll adapt accordingly.

Are you regulated?

Yes. Piccadilly Wealth Management Limited is authorised and regulated by the FCA under reference 974429. Verify at register.fca.org.uk.

How do I make a complaint?

Write to 1st Floor, The Old Hospital, Saffron Walden, CB11 4ER or call 0203 468 1775. Unresolved complaints may be referred to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or 0800 023 4567.

Still have a question?

We're happy to help.

Call us for a free, informal conversation.

0203 468 1775
Get In Touch

Let's start a conversation.

Your first consultation is free — no pressure, no obligation.

01 / Saffron Walden
Saffron Walden

1st Floor, The Old Hospital
Saffron Walden, CB11 4ER

+44 (0)1799 809 159
02 / Horsham
Horsham

Horsham, West Sussex

+44 (0)1403 628 007
03 / London
London

London

+44 (0)203 468 1775

Send us a message

Contact Details

Phone0203 468 1775
Emailinfo@piccadillywealth.com
Correspondence1st Floor, The Old Hospital
Saffron Walden, CB11 4ER
HoursMonday–Friday, 9am–5:30pm
Regulatory Information Authorised and regulated by the FCA, reference 974429. Verify at register.fca.org.uk.