The company is a financial planning company offering advice across a diverse spectrum of areas, including mortgages, protection, investments, pensions and lifestyle cash flow planning.
Operating regionally, the company has an extensive client database featuring over 1,500 private individuals. This includes investment, lifestyle and pension clients who continue to provide regular business, some of which have been in place for over 20 years.
The company is being offered for sale to facilitate the Shareholders’ retirement plans.
Offers invited.
Key Highlights
- Benefits from a high volume of crossover business, with many clients being influenced not only by the company’s exemplary code of conduct, but also by its risk management services.
- Operates in a buoyant market, with pensions, investments and mortgages all showing signs of increasing.
- Excellent knowledge of and connections within the local market.
- Consistently adheres to and exceeds financial resources requirement set out by the regulator.
- Considerable scope for further growth through upselling services to its existing client base, with further opportunities to acquire new business in the pipeline.
- Experienced staff in place across all departments, with the existing management team able to manage the company independently.
- Satisfactory and complementary regulatory visits conducted in August 2024 (AML and CFT), and March 2025.
- Operates from ideally located leasehold premises. The lease has just been renewed until 2030, with the landlord agreeing to several renovations to upgrade the business significantly.
- Generated a turnover of £2.29m in FY25, with an adjusted EBITDA of £346k.
- YE26 outturn figures indicate a turnover of £2.61m, with an adjusted EBITDA of £476k.
- Turnover is forecast to increase to £2.82m in FY27, with an adjusted EBITDA of £614k.
- Portfolio includes a significant volume of pension money under management.
- Facilitated very few UK DB pensions transfers, meaning that the exposure to that type of liability is unusually minimal. There is no further UK DB being carried out due to appetite and it is no longer covered by PI Cover.
