Business Details
39 Years
experience
Trusted Financial Advisers in London
Modern Money has been delivering independent financial advice and money management solutions to individuals and businesses since 1987. Our London-based team combines professional expertise with personal insight to create tailored financial strategies. We operate from our main office in Holland Park, with an additional presence in Edinburgh, serving clients across the UK. Our services span financial planning, tax-efficient investments, pension and retirement strategies, and ethical investment options.We prioritise clear communication, regulatory compliance, and ongoing portfolio management through quarterly rebalancing and annual reviews. As an FCA-authorised firm, we maintain rigorous standards in all our advisory processes. Our client-centric approach ensures that every recommendation aligns with individual financial goals while maintaining transparency in our operations and fee structures.
Services
Financial Planning
Inheritance Tax Planning
Pension Planning
Tax Efficient Investment
Ethical Investment
Annual Investment Review
Quarterly Rebalancing
Details
- Year established: 1987
Highlights and features
- We have over 35 years of experience in financial advisory services
- Our team holds FCA-authorised status for regulatory compliance
- Quarterly portfolio rebalancing ensures optimal investment performance
- Personalised tax-efficient investment strategies tailored to client needs
- Ethical investment options with ESG-focused portfolio management
Associations and certifications
- Financial Conduct Authority
What people say
Professional care
Expert financial advice
Strategic guidance
Regulatory expertise
Client-focused approach
Services
Financial Planning
Our financial planning service helps clients make informed decisions about money management and establish clear financial goals. We conduct comprehensive assessments of current financial positions, including assets, liabilities, and income streams. By evaluating individual circumstances and long-term objectives, we develop tailored strategies that address both immediate needs and future aspirations. This service forms the foundation for all our advisory work.
Inheritance Tax Planning
We specialise in structuring assets to minimise inheritance tax liabilities while maintaining control over succession. Our approach considers current thresholds, residential nil rate bands, and strategic gifting to reduce tax exposure. We help clients preserve wealth for intended beneficiaries through legal tax mitigation strategies while ensuring compliance with evolving inheritance regulations.
Pension Planning
Our pension planning service optimises retirement savings strategies and withdrawal approaches. We advise on tax-efficient pension access options, including tax-free lump sums and income distribution strategies. The service incorporates comprehensive reviews of existing pension arrangements and coordinated tax planning to maximise retirement income while complying with HMRC regulations.
Tax Efficient Investment
We help clients maximise investment returns through tax-efficient vehicles including ISAs, SIPPs, and EIS schemes. Our expertise covers capital gains tax planning, dividend tax optimisation, and pension contribution strategies. We balance tax advantages with risk management to create investment portfolios that align with both financial objectives and tax considerations.
Ethical Investment
Our ethical investment service creates portfolios aligned with environmental, social, and governance (ESG) principles. We offer model portfolios ranging from cautious to moderate risk levels while maintaining investment integrity. The service incorporates impact investing options and carefully screened funds that exclude controversial sectors like fossil fuels and armaments.
People
Marcus Paine
Managing Director
Marcus oversees company operations and regulatory compliance while providing specialist financial advice across pensions, investments, and tax planning. With extensive industry experience, he ensures strategic direction aligns with client needs and FCA requirements.
Lindsay Edmunds
Financial Director
Lindsay manages all financial aspects including budgeting, cash flow, and financial reporting. She develops financial models and ensures accurate accounting practices while supporting strategic business decisions.
Valerie Spence
Client Account Manager
Valerie serves as primary client contact, managing relationships and implementing financial plans. She oversees quarterly model portfolios and maintains detailed transaction records to ensure service quality and client satisfaction.
Agi Stewart
Paraplanner
Agi supports financial advisers with client proposals and suitability reports. She produces investment commentaries and ensures regulatory compliance in all documentation while maintaining high standards in client communication.
Marie Hughes
Client Account Manager
Marie manages client relationships and implements financial strategies while serving as Compliance Manager. She ensures regulatory systems meet FCA standards and maintains accurate compliance records for all operational activities.
Questions
What financial services do you specialise in?
We specialise in financial planning, inheritance tax mitigation, pension and retirement strategies, tax-efficient investments, and ethical investment options.
How do you ensure regulatory compliance?
As an FCA-authorised firm, we maintain strict compliance with financial regulations and undergo regular internal and external audits to ensure adherence to all regulatory requirements.
What areas do you serve?
We operate from London with an additional office in Edinburgh, serving clients across the UK through both in-person and remote advisory services.
How often do you review investment portfolios?
We conduct quarterly portfolio rebalancing and provide annual face-to-face investment reviews to ensure ongoing alignment with client objectives.
What makes your ethical investments different?
Our ethical investment approach combines ESG principles with rigorous fund screening to exclude controversial sectors while maintaining sound investment strategies.
How are your fees structured?
Our charging structure is transparent and clearly explained during initial consultations, with fees based on the complexity and scope of required financial services.
