Business Details
27 Years
experience
Your Trusted Partner for Financial Planning Solutions
Wealth Matters has been delivering tailored financial planning solutions since 1999, founded by Julian Gilbert to address gaps in the industry. Our approach prioritises client needs through three core phases: discovery, planning, and ongoing review. With a team of Chartered Financial Planners and Accredited Financial Planning Firm status, we serve professionals, business owners, and individuals seeking long-term financial security.Our WRAPS system ensures diversified investment portfolios aligned with client risk tolerance. Recognised for ethical practices and client-centricity, we maintain regular communication through clear reporting and have supported clients for up to 20 years. Headquartered in Luton with offices across the UK, we combine local expertise with national regulatory compliance under FCA authorisation (No. 300635).
Services
Financial Planning
Retirement Planning
Estate Planning
Investing
Inheritance Tax Advice
Details
- Year established: 1999
Highlights and features
- 25+ years of experience in UK financial planning since 1999
- FCA-authorised with Chartered Financial Planner qualifications
- WRAPS system ensures diversified, risk-managed investment portfolios
- Personalised approach for professionals and business owners
- Regular client reporting with ethical, transparent practices
Associations and certifications
- Financial Conduct Authority
- Accredited Financial Planning Firm
What people say
Ethical and principled manner
Regular clear reports
Valued friend
Highly qualified team
Personalised approach
Services
Financial Planning
We create comprehensive financial plans tailored to individual goals, covering income, investments, and long-term security. Our process begins with understanding your current financial position before developing custom strategies. Clients benefit from regular reviews to ensure plans adapt to changing circumstances.
Retirement Planning
Specialist retirement planning services help clients achieve sustainable income in later life. We analyse pension pots, tax implications, and lifestyle requirements to create realistic withdrawal strategies. Our WRAPS system ensures diversified investment portfolios that balance growth potential with risk management.
Estate Planning
Estate planning services protect assets for future generations while minimising inheritance tax liabilities. We advise on will structures, trusts, and gifting strategies that align with family needs. Regular reviews ensure plans remain compliant with evolving tax legislation and personal circumstances.
Investing
Our investment services combine ethical considerations with financial objectives using the WRAPS system for diversified portfolios. We assess risk tolerance before selecting appropriate assets across equities, bonds, and alternative investments. Regular performance reviews ensure alignment with long-term goals.
Inheritance Tax Advice
Specialist inheritance tax guidance helps clients preserve wealth for beneficiaries. We identify potential tax liabilities and implement mitigation strategies through charitable giving, trusts, and lifetime gifting. Our approach balances legal compliance with family financial security requirements.
People
Julian Gilbert
Founder and Director
Certified Financial Planner with Chartered Wealth Manager status, Julian established Wealth Matters in 1999 to provide ethical financial advice. He leads strategic direction while maintaining client relationships.
Bruce Nash
Partner
Chartered Financial Planner specialising in retirement strategies, Bruce brings 20+ years of experience in creating sustainable income solutions for high-net-worth individuals across the UK.
Katherine Pautard
Partner
Certified Independent Financial Planner with Chartered MCSI status, Katherine focuses on estate planning and tax-efficient wealth transfer strategies for business owners and professionals.
Chris James
Chartered Financial Planner
APFS-certified planner specialising in investment management, Chris utilises the WRAPS system to create diversified portfolios aligned with client risk profiles and financial objectives.
Graham Dormer
Independent Financial Planner
With expertise in inheritance tax mitigation, Graham advises clients on preserving wealth for future generations while maintaining compliance with evolving UK tax regulations.
Questions
What financial planning services do you offer?
We provide comprehensive financial planning covering retirement strategies, estate management, investment portfolios, and inheritance tax planning tailored to individual client needs.
How do you personalise financial plans?
Our three-step process begins with understanding your current financial position, followed by creating custom strategies and regular reviews to adapt to changing circumstances.
Are you regulated by financial authorities?
Yes, Wealth Matters is authorised and regulated by the Financial Conduct Authority (FCA) under reference number 300635.
Do you serve clients outside Luton?
We operate from four UK locations - Luton, Harpenden, Great Missenden, and London - and provide services to clients nationwide through digital consultations.
How do you handle investment management?
Our WRAPS system creates diversified investment portfolios based on individual risk tolerance, combining equities, bonds, and alternative assets with regular performance monitoring.
What inheritance tax planning services exist?
We identify potential tax liabilities and implement mitigation strategies through trusts, lifetime gifting, and charitable donations while ensuring family financial security.
Reviews (6)
Phil Penney
Apr 16, 2020
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Have been working with Julian and his team for more years than I can remember (15 or so I think). They have always provided a professional and reliable service and I trust them completely with anything financial. Wouldn't hesitate to recommend!
Charlie Horrell
Mar 11, 2020
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I switched my financial adviser to Wealth Matters a few years ago and I am very pleased that I did. The advice, professionalism and openness of Bruce Nash and the team is excellent. The annual face to face reviews are much appreciated. I feel they really have my interests at heart.
B. Parmar
Jul 06, 2019
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First met Julian at a seminar over 5 years ago, his friendly and approachable attitude convinced me to have Wealth Matters review my finances. During those first few meetings Julian and his staff were very helpful in making sure we understood every aspect of what was being discussed. My wife and I recently had a meeting with Jo and her colleagues to discuss our finances and I have to say 5 years on and the level of service is still excellent and extremely professional. I have no hesitation in recommending Wealth Matters.
Bernard Rushton
Jun 22, 2019
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Excellent service, extremely helpful and especially attentive and understanding - most important when considering financial matters. I was able to consolidate a range of disparate investments into a lower-charging, coherent but flexible one which matches my needs. I would have no hesitation in recommending Wealth Matters, with a special thanks to Bruce Nash for all his hard work and guidance
Paul Woodroffe
Apr 05, 2019
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Since Julian became our IFA some 10 years or so ago he has immeasurably improved our finances to the stage where we are becoming financially independent. Without this help we certainly wouldn't be in the great position we are. Big thank you to Julian, but also the rest of the Wealth Matters team
Paul Doherty
Mar 07, 2019
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Julian and his team at Wealth Matters have been giving me excellent financial advice for the last 20 years. They are great people and I recommend them whole-heartedly!
