YOUR FINANCIAL PLAN
built to last.
Because the best financial plan is one you can stick to
We help people understand both their money and their relationship with money, creating financial plans that are realistic, sustainable and designed to evolve as life changes.
— WHAT WE DO
A plan you can stick to.
Financial planning isn't about finding the perfect solution on paper.
It's about creating a plan that works in the real world — one that helps you make confident decisions and adapt as life changes.
— FINANCIAL PLANNING
Your finances, in one simple plan. Pensions, investments, protection and tax planning built together, not separate conversations.
Initial Advice & Implementation
We start by getting a complete picture of where you are. From there we build a personalised financial plan, make clear recommendations, and handle everything needed to put it in place.
Comprehensive fact-find and financial review
Cashflow modelling and projections*
Tax-efficiency and wrapper review
Pension and investment research
Written personalised recommendation
Full implementation — we handle the paperwork
*The Financial Conduct Authority does not regulate Cashflow Planning.
Ongoing Advice Service
Once the foundations are in place, we keep them that way. Your finances looked after continuously. You don't need to track allowances or wonder if you should be doing something every April — leave that to us.
Periodic review and assessment of your financial circumstances and the ongoing suitability of your arrangements
Portfolio monitoring and rebalancing
Tax allowance and contribution planning
Cashflow modelling updates
Protection review
Open access for life events and queries
Proactive communication during market events
Mortgage advice at no extra charge
PROTECTION
— MORTGAGE ADVICE
Whole of market. Part of the same relationship.
Whether you're buying, remortgaging, or investing in property — we search the whole market to find the right deal for your situation.
With simple fixed fees starting at £495 — and you don’t pay a penny until you have a mortgage offer.
For ongoing advice clients, mortgage advice is included as part of the service at no extra cost.
PENSIONS
INVESTMENTS
TAX PLANNING
ESTATE PLANNING
RESIDENTIAL PURCHASE & REMORTGAGE
ONGOING ADVICE
HOME MOVERS
FIRST-TIME BUYERS
ADVERSE CREDIT
BUY TO LET &PORTFOLIO
SELF-EMPLOYED & COMPLEX INCOME
You should always know exactly what you're paying — and why.
Our fees are intentionally simple and clear, and you’ll always know what you can expect to pay before any work starts.
Our Fees
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2% on the first £200,000
1% on anything above £200,000
Minimum fee: £2,000
Maximum fee: £10,000
Example: For £250,000 in pension and investment assets, the initial advice fee would be £4,500.
The fee is only charged once you're happy with our recommendation and have decided to go ahead — so there's nothing to pay until you're confident it's right for you. It's then facilitated directly through your provider, with nothing to pay upfront.
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0.75% per year on assets up to £1,000,000
0.50% per year on assets above £1,000,000
Example: For £250,000 invested, the ongoing advice charge is £1,875 per year — around £156 per month, collected directly from your portfolio.
The ongoing charge is collected directly from your investments, so you won't receive a separate bill.
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Our mortgage advice fee reflects the time and complexity involved in finding and securing the right deal for your situation. For ongoing wealth management clients, mortgage advice is included at no additional charge.
Standard fee: £495
Additional complexity: £200 per layer, capped at £995
Limited company buy to let or portfolio landlord (4+ properties): £995 flat fee
Complexity layers can include things such as adverse credit, self-employed or complex income structures, or unusual property types. Any applicable layers are agreed with you upfront — so you'll always know exactly what you're going to pay before we begin.
Your fee only becomes payable once your mortgage offer is received and we may also receive a procuration fee from the lender. This will always be disclosed to you.
From first conversation to long term partnership.
No obligation or jargon. Just clear advice, thoughtful guidance and a plan you can stick to.
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— HOW IT WORKS
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30 MINUTES
Discovery Call
Your current financial picture, what you're hoping to achieve, and how we work. Free, no obligation.
90 MINUTES
Foundation Meeting
Income, outgoings, savings, pensions, investments, protection — and your goals, timescales, and attitude to risk. This is where we understand your situation properly.
WE DO THE WORK
Analysis & Research
Cashflow modelling; tax-efficiency review; wrapper, product and fund research. We work out what needs doing and how to do it best.*
60 MINUTES
Blueprint Meeting
Your personalised financial blueprint— clear recommendations explained in plain English. Fees agreed before anything is signed.
WE HANDLE IT
Implementation
All the paperwork handled by us. You stay informed at each stage and confirm once everything is in place.
ANNUAL & AS NEEDED
Ongoing Partnership
Annual reviews, proactive check-ins, and a financial partner who understands your full picture and helps you avoid the emotional decisions that can derail long-term success.
* The Financial Conduct Authority does not regulate cashflow planning
* The taxation of the investment is dependent on the individual circumstance of each investor and may be subject to change in the future.
— ABOUT FOUNDATION WEALTH
Clear, honest advice.
Jake Manderfield DipPFS | Founder
Foundation Wealth was born out of a simple frustration: the world runs on money, yet most people never get proper financial education. We navigate it alone, make mistakes, and miss out on thousands of pounds worth of potential growth and tax savings in the process.
We believe that finance is more a behavioural art, than a technical science, and that a financial plan is only any use if you can stick to it. Our job is to understand what money means to you, your goals and opinions — then create a plan that will work for you and that you can stick to. That doesn’t always mean picking the best performing funds, or the perfect tax wrapper. It means making sure that you can sleep at night and that you won’t panic when we hit a bump in the road.
A good financial plan can't exist in isolation. Investments, pensions, protection, mortgages and tax planning all need to work together in support of the life you're trying to build.
We help bring all of those moving parts together into a plan that gives you clarity, confidence and direction. Then, as life changes, we help you stay focused on what matters most and avoid the costly mistakes that can knock even the best plans off course.
No generic solutions. No shortcuts. Just clear advice, thoughtful guidance and a plan you can stick to.
From the Founder
I've been in financial services since 2013 — starting in retail and business banking, moving into mortgage advice, and eventually into financial planning. Over that time, I've noticed something consistent: I get the same financial questions from friends and family constantly. It's proof that financial education is genuinely lacking.
What drives me is helping people take control of their finances and feel confident about them. To keep more of what they earn and see it grow. Because when your finances are sorted, you get something far more valuable: the freedom to do whatever it is that you actually want from life.
And here's the thing — that looks different for everyone. Some people want to retire at 50. Some want to put their kids through university. Some want to go on holiday three times a year. What matters isn't what I think success looks like. It's what it means to you.
A financial planner's job should be to help you achieve that. Not to push you toward some template or prescribe what your goals should be. Just to listen, understand what matters to you, and build a plan that gets you there.
That's why Foundation Wealth exists.
— WHAT OUR CLIENTS SAY
Don’t take our word for it.
★★★★★
Jacob was extremely knowledgeable about his products and he looked at my lifestyle, circumstances and expectations, so that his advice was customised to my needs in a holistic way.
I changed my plan during our Teams review, which involved a new risk assessment, saving time and paperwork. Extremely personable and friendly without compromising his professionalism.
— Nicole
Pension Review & Ongoing Advice
★★★★★
Jacob helped us so much throughout the process. He clearly explained each of our options so we could make the best decision for us. He answered any questions we had and was very quick to respond to us.
— Bethan
Mortgage & Protection Advice
★★★★★
Jake explained our options clearly to us, giving the pros and cons and answering any questions that we raised, ensuring that we were fully informed. He did not pressure us in any way and insisted that we took as much time as we needed to make the final decision. Thanks for your patience, Jake.
— Marion
Pension & Investment Advice
— GET IN TOUCH
Let’s talk.
Getting started doesn't need to feel like a big commitment.
Pop your details in the contact form below, or book a free 30-minute discovery call and we'll have an honest conversation about where you are, what you're trying to achieve, and whether we're the right fit.
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hello@foundationwealth.co.uk | 07785 388531
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