Your Financial Future.

Thoughtfully Planned.

Independent financial advice for protection, investments, and retirement planning.

Your story, your goals, your future—we’re all in.

Independent Advice You Can Trust

At Ingenious, we take time to understand your financial goals & circumstances before making any recommendations. As independent financial advisors, we can consider products from across the market to find solutions that may be suitable for your needs.

Independent Advice

We assess products from the whole market and are not restricted to specific providers.

Personalised Service

We tailor our recommendations to your individual circumstances, objectives, and attitude to risk.

Comprehensive Financial Planning

We consider the interplay between protection, investments, pensions, and estate planning.

Comprehensive Financial Planning. Tailored to You.

Investment Management

We work with you to understand your individual circumstances, goals, and risk tolerance before recommending any investment strategies. Our approach is designed to help you make informed decisions aligned with your objectives.

Retirement Planning

Retirement planning is the long-term process of managing your finances so you can pursue your goals and adapt to the financial challenges that may arise at each stage of life.

Protection Planning

Life insurance and income protection can provide financial security for you and your family when you need it most.

Estate & Legacy Planning

Estate & Legacy Planning helps you organize and protect your assets, ensuring your wealth, property, and wishes are passed on to the right people — efficiently, legally, and exactly as you intend.

The IFS
Difference

You’ve worked hard to build your financial future — through years of planning, saving, and making thoughtful decisions. You deserve financial advice delivered with the same care and commitment.

At IngeniousFS, we see our role as more than reviewing numbers. It’s about understanding your goals, respecting your priorities, and providing clear guidance to help you make informed financial decisions with confidence.

Rooted in Responsibility

We approach financial planning with care and discipline, taking your long-term wellbeing seriously.

Personalised Advice, Not Templates 

We listen first, then provide recommendations aligned with your goals and circumstances.

A Complete Financial Picture

From investments and pensions to protection and estate planning, we ensure everything works together.

A Team That Knows You

You’ll work with a dedicated adviser who understands your needs and provides ongoing support.

Ready to take the first step?

At Ingenious, you’re more than an account number.  You’re a valued client and your goals guide everything we do.

Real People. Real Impact.

Google Rating 5.0

The Steps to a Stronger Future

Start with a Conversation

No cookie-cutter advice. We listen first, then create a tailored plan aligned with your unique needs, values, & stage of life.

Build Your Personalized Financial Roadmap

Using our expertise in investments, tax planning, and retirement strategy, we create a tailored plan that reflects your life—not a one-size-fits-all template.

Put the Plan into Motion

Together, we implement your strategy—prioritizing clarity, simplicity, and measurable progress—while keeping your long-term objectives in focus.

Review and Refine as Life Changes

Life changes, and your plan should too. We provide ongoing support, reviewing and adjusting as needed to help keep your financial future on track.

Ready to take the first step?

Your Goals, Our Expertise—Let’s Get Started

Retirement isn’t the end—it’s the beginning of your next chapter. Whether you’re planning to retire, reduce taxes, or leave a legacy, we’re here to guide you every step of the way.

Frequently Asked Questions

Do you have a minimum investment or pension value?

Our wealth management and investment advisory services are generally suitable for clients with a minimum of £50,000 to invest. For pension advice, we typically work with clients who have a pension value of £50,000 or more. These thresholds help ensure that the cost of advice is proportionate to the potential benefit.

Who is your typical client?

Our clients are usually individuals and families looking for professional guidance with their investments, pensions, and financial protection. Many come to us because they want independent financial advice, a clear plan for the future, and ongoing support to help them make confident financial decisions. We work with clients at different stages of life — from those building their wealth to those planning for retirement — and tailor our advice to their personal goals and circumstances.

Do you charge commissions?

For most investment and pension advice, we charge a transparent advice fee that is agreed with you before any work begins. For certain insurance and protection policies, we may receive commission from the provider if you proceed with a recommendation. This commission is built into the cost of the policy and means you usually do not pay a separate advice fee for arranging the protection.

How much are your fees?

Our fees depend on the type of advice and service you require. Initial advice may be charged either on an hourly basis or as a percentage of the amount invested, depending on the complexity of the work involved. We will always explain and agree any fees with you before we begin.
If you choose to receive ongoing support, there may also be an ongoing adviser charge which covers regular reviews, updates, and continued access to your adviser.

Your Financial Future.

Thoughtfully Planned.