Frequently Asked Questions

TSP Wealth offers tailored financial strategies, including pension management, investment management, estate planning, and employee benefits.

We’re a family-run, independent firm — and that makes a difference. We give you whole of market advice, meaning we’re not tied to any provider. We take the time to understand your values and long-term goals, and because we invest alongside our clients, your success is genuinely our success.

We know that handing over your hard-earned money can be daunting. That’s why we take an active, hands-on approach to investment management — balancing performance with protection. Your investments are monitored regularly and aligned to your appetite for risk, tax position, and long-term goals. And because we stay ahead of legislation, we help protect your wealth as the rules change.

Of course. Life doesn’t stand still — and neither should your financial plan. Whether you’re changing careers, buying a home, growing your family, or just rethinking your goals, we’re here to help you adapt. We’ll regularly review your plan together and make sure it still fits your needs, no matter what life throws your way.

Yes — and for many clients, this is one of their biggest concerns. We can help reduce inheritance tax and protect your estate using smart, strategic planning. Whether it’s through wills, trusts, or gifting strategies, we’ll guide you in passing on wealth in the most tax-efficient and meaningful way.

You’re not alone — most people have several pensions scattered across different jobs. We can carry out a full pension audit, trace lost pots, and consolidate them if appropriate. The result? One clear picture of your retirement income, and confidence that everything’s working towards your future goals.

You’ll hear from us regularly — not just when markets change, but when life does too. We’ll check in, review progress, and adjust your plan whenever needed. And because we don’t charge by the hour, you can reach out to us anytime — big questions or small ones.

Yes, all of our advisers are members of the Chartered Insurance Institute and follow the CII’s strict code of ethics. We take pride in giving advice that’s not only qualified, but also clear, personal, and practical.

We believe in transparency and fairness. That means no hourly rates, no hidden charges — just a clear, fixed fee agreed upfront. Once you’re a client, you have unlimited access to our advice and support, whenever you need us.

TSP Wealth LLP is authorised and regulated by the Financial Conduct Authority (FCA), under registration number 781164. You can find our listing on the FCA Register.

Yes, we advise both individuals and business owners on employee benefits and business protection — from key person insurance to income protection. If you’re looking to retain talent or protect your company from the unexpected, we can help.

Absolutely. Having a will in place is one of the most important steps in protecting your loved ones. We’ll guide you through the process and help ensure your wishes are clearly documented and legally binding.

We believe in growing wealth steadily and sustainably. That means carefully balancing risk and return, actively managing portfolios, and keeping fees and taxes to a minimum. It’s not about quick wins — it’s about long-term success.

Yes. We support business owners with everything from shareholder protection and succession planning to pensions and benefits. If your personal and business finances are closely linked, we’ll help you manage both with clarity and control.

We treat your personal information with the utmost care. Our data policies meet all UK legal requirements, and we use secure systems to protect your privacy at every stage.

We’ll never recommend something unless it’s in your best interest — and we stand by that. If you ever feel that you haven’t received value from our advice, we offer a money-back guarantee. That’s how seriously we take your trust.

Yes. If you’d prefer to take a hands-off approach, we offer a Discretionary Fund Management service — meaning we make the day-to-day investment decisions for you, guided by your agreed risk level and goals.

Yes, and we love doing this. We run Next Generation workshops to help your children understand wealth, estate planning, and financial responsibility — so they’re ready when the time comes to inherit or manage family assets.