Your end goal needs to be your starting point.
Having a plan in place is the first step to achieving your goals.
When Sarah N. and her husband came to Colmore Partners, they already had financial arrangements in place, but no clear plan pulling everything together. What was missing wasn’t action, but clarity – and the confidence that their decisions were pointing in the right direction.
By working with Simon Hoult, that changed. Rather than simply reviewing what they already had, Simon actively challenged their thinking, questioned assumptions and highlighted the gaps. By doing so, he helped them build a clear, structured plan around what really mattered to them. For the first time, they could see where the money was going and how each decision supported their long-term goals. Sarah explains below how that shift proved transformational.
Sarah N.
We had a financial adviser before, but it all felt a bit piecemeal to be honest. We had a mortgage, we had investments, we had insurance, but not a plan.
We were never encouraged to think about our finances holistically, for example what income we would want when we retired, what we wanted to save for our boy. When we met Simon, he asked a load of difficult questions. And it was just what we needed. Me and my husband have very different attitudes to money and Simon’s questioning really allowed both of us to have much needed discussions about the wider plan for the future and what we need to do to get there.
We’re now chipping away at our mortgage by reducing the term and paying more every month. We’re pushing ourselves financially, but I can see the benefit of it. Even just having a five-year plan is something we never had before and it’s been transformational. Simon just tells it like it is and I like that.
His candour made us really examine where we wanted to be. And the fact that he made the starting point the end goal was a real eye-opener. Having a plan, it feels like we’re in control and it’s comforting.
Sarah N., Building wealth. Married with one son.
We support you with a process that covers every aspect of your finances – from your assets to tax liabilities. This is what that looks like in practice.
Create ‘Grand Plan’
We meet you and listen carefully to your ideas, hopes, and aspirations. We ask pertinent questions and take copious notes. Then we build a plan that’s right for your individual circumstances. It will have clear objectives, it will be strong enough to last a lifetime and it will be flexible enough to bend with the changes life throws at you.
Structure for maximum efficiency
The Grand Plan works when it’s structured for maximum efficiency. This means paying the least amount of tax, identifying who should own the assets, and how best to use all your available tax reliefs. Efficiency also means managing your fees appropriately – so more of your money goes to you and your loved ones.
Review
Life has a habit of throwing a curve ball or two. From changes in your personal circumstances to the introduction of new laws and taxes – as well as stock market ups and downs. We talk with you regularly about these, the ways in which they may affect your objectives – and therefore the Grand Plan – and agree any changes that may be needed sensibly and rationally. It’s all designed to give your wealth the best chance of doing its best for you.
Implement
Everyone feels different about risk. We take great pains to understand how you feel about it – and then we marry it up with the levels of risk required to meet your hopes and aspirations. This enables us to select the most suitable investment style that will help you achieve your objectives.
Past performance is not a guide to future performance and may not be repeated. The value of investments and the income from them may go down as well as up and investors may not get back the amount originally invested.
The Financial Conduct Authority does not regulate estate planning or tax planning.
Get in touch
Arrange an initial chat with Simon or Kat to explore how we can help.
What we've been doing and thinking
Reflecting on the Year, Preparing for What ...
06 February 2026
Good news! We’ve finally recorded a webinar version of our December client seminar. If you weren’t able to attend in person, you can now catch up and listen to our voices (and insights) as many times as you like.
Financial Education: Why It Matters and Wh ...
23 January 2026
My first instinct is to laugh because the gap isn’t just big. It’s huge! In most UK schools there is little education about money beyond a few references in maths lessons.
The Use of Life Assurance in Inheritance T ...
29 January 2026
As the value of assets have grown over the past decades, combined with legislation bringing more assets such as pensions in to the scope of inheritance tax, many more people are facing inheritance tax liabilities when they pass on.
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