Independent financial adviser
Advice that stands on its own.
Keystone Wealth advises families and professionals on investments, pensions, and the decisions that sit between them. We are paid by you. Not by a product provider.
Whole of market
Not tied to a provider, and not limited to a panel of funds.
Fee agreed first
You see the cost in writing before any chargeable work starts.
One adviser
The person who signs the recommendation is the person you meet.
London & by video
Marylebone meetings, or the same conversation from home.
Advice services
What the advice actually is.
Four kinds of work. Each one is explained below, including what it does not cover. If a question sits outside them, we say so before you spend a fee.
- 01Lifetime financial planning
A written picture of the life the money has to support: what you spend now, the year you intend to work less, and who relies on you if something goes wrong.
- 02Investment advice
Portfolios built for a timeframe you can name. We look across funds, platforms, and cash, then recommend only where the holding fits your tax position and your tolerance for a fall.
- 03Retirement and pensions
The order in which to spend pensions, ISAs, and cash, and whether drawdown, an annuity, or a blend is the calmer path. Defined-benefit transfers are treated as the exception.
- 04Protection and estate coordination
Where a plan fails if someone dies, becomes ill, or leaves an estate unstructured, that gap is part of the advice — not an afterthought bolted on at the end.
An engagement
Four steps, then a fee you can see.
Nothing is implemented on the back of a meeting. The recommendation is a document you can sit with, and the cost is fixed before that document is written.
- 01
Introductory conversation
Forty minutes, not charged. We listen for what the money is for, and we both decide whether Keystone is the right firm.
- 02
Fact-find
Income, assets, pensions, tax, and the things you will not compromise on. Nothing is recommended from a brochure.
- 03
Written recommendation
A report with the advice, the cost, the risks, and what happens if you do nothing. You can decline it.
- 04
Implement and review
Business is placed only with your agreement. We then meet on a cycle we put in the engagement letter.
Illustrative fees
These ranges show the shape of a typical engagement. They are not a quote. Your fee is confirmed in an engagement letter before work begins.
See the illustrative ranges- Designation
- Chartered Financial Planner, Personal Finance Society
- Diploma
- CII Advanced Diploma in Financial Planning
- Clients
- Households arranging £400,000 to £3 million
- Where
- Marylebone, and by video across the UK
| Legal name | Keystone Wealth Limited |
|---|---|
| Status | Independent financial adviser |
| Regulator | Financial Conduct Authority |
| Firm reference | 847291 |
| Company number | 14882017 |
Consultation
Ask for an introductory conversation.
Tell us, briefly, what you want to talk about. In a working practice, Helen replies within two working days to offer a forty-minute meeting — in Marylebone, or by video.
- The meeting is not charged.
- It is not advice, and it does not make you a client.