We build financial masterplans

Advice Done Differently

We’re here to change the way financial planning is done.

Too often, the financial services industry has overcharged, overcomplicated, and underdelivered—relying on high fees, clunky systems, and long-winded reports that few people want to read.

We do things differently.

At Blincoe, you’ll get clear, jargon-free advice, backed by fixed fees, low-cost investment strategies, and best-in-class technology. Our approach is transparent, efficient, and focused entirely on helping you achieve your goals—not on selling products.

This is financial advice as it should be: simple, smart, and built around you.

Why Do You Need a Financial Plan?

Wealth Creation

There’s no shying away from it – we’re in the business of generating wealth. That comes from ensuring your investments are working hard for you, paying less tax and keeping costs down.

Peace of Mind

Relax knowing that you’re ‘doing the right things’, that you’re on track to meet your future goals, and that you have a sounding board to discuss all things money-related.

Time Saving

Life is busy and personal finances can often take a back seat. We’re here to take the weight off. We’ll help manage your finances and optimise them.

Our Services

At the heart of our financial planning service are three key areas that work together to help you build, preserve, and enjoy your wealth:

1. Investment Management

We help you grow and manage your wealth across pensions, ISAs, investment accounts and other investment vehicles. For those with more complex needs, we also advise on specialist solutions such as Venture Capital Trusts (VCTs), Enterprise Investment Schemes (EISs), trust planning, and Business Relief-qualifying investments.

2. Retirement Planning

Whether you’re planning for full or partial retirement, we build bespoke, tax-efficient strategies to help you achieve your desired lifestyle. From saving enough during your working years to structuring a sustainable income in retirement, we ensure your plan adapts to life’s changes and remains aligned with your goals.

3. Tax Optimisation

Tax shouldn’t be a barrier to wealth creation. We help you minimise the drag of income tax, capital gains tax (CGT) and inheritance tax (IHT) by structuring your affairs as efficiently as possible. This includes making full use of available allowances, exemptions, and tax wrappers.

The Power of Cashflow Modelling

A cornerstone of our planning approach is cashflow modelling to map your financial future, combining your current position with realistic assumptions about income, spending, inflation, investment returns and more.

This gives you clarity around key questions like:

  • Can I afford to retire—and when?

  • How much can I safely spend in retirement?

  • What can I afford to gift without compromising my own future?

It’s not just about the numbers—it’s about giving you confidence in the decisions ahead.

Building Your Financial Masterplan

1. Vision

Every great plan begins with a clear understanding of what you're aiming for. In this initial step, we take the time to get to know you—your values, ambitions, and what a good life looks like for you and your family.

2. Reality Check

Once we understand your goals, we assess your current position. This includes reviewing your income, assets, liabilities, and existing financial arrangements, along with a comprehensive cashflow analysis to project your position forward.

3. Strategy

With a firm grasp of your goals and your starting point, we’ll craft a clear, personalised financial plan. This will set out a strategy designed to meet your objectives in a cost-effective, tax-efficient, and risk-appropriate way.

4. Implementation

Once you're happy with the plan, we take care of the practicalities—paperwork, transfers, and investments. We aim to make this stage as smooth and efficient as possible, keeping you informed at every step.

5. Review

Life changes—your circumstances, your goals, the economy, tax rules and legislation. That’s why financial planning is not a one-off event but an ongoing process. We’ll meet regularly to review your progress and make adjustments where needed, such that your Financial Masterplan evolves with you.

IMPORTANT NOTE: The Financial Conduct Authority does not regulate tax planning.

Fairer Fees: We Are Entirely Fixed Fee

See How Much You Could Save

A study by the Financial Conduct Authority (FCA) found that the average total costs for financial advice in the UK were around 1.90% per year. This includes both the ongoing advice fees (0.80%) and the costs of investing (1.10%), including platform fees, underlying fund charges and transaction costs.

With our fixed fee model, most of our clients will pay significantly less. Find out for yourself using our free fee comparison calculator: 

The information provided is for illustrative purposes only and does not constitute personalised financial advice or a recommendation to invest. Any projections shown are hypothetical and are not guaranteed. They are based on assumptions which may not reflect future performance. Investment returns can go down as well as up, and you may not get back the amount originally invested. The impact of fees, charges, and taxation has been taken into account where stated, but actual costs may vary depending on your individual circumstances.

The Problem with % Fees

For decades, financial advisers have typically charged clients a percentage of their investments. However, this approach can create a number of potential conflicts of interest:

1. Misaligned Incentives

When fees are tied to portfolio size, advisers may be rewarded for growing assets—not for giving the right advice. This can lead to:

  • Discouraging debt repayment or cash reserves

  • Pushing higher-risk investments for growth

  • Steering retirees away from annuities to preserve funds under management

2. Unfair Pricing

Percentage fees penalise those with larger portfolios.

  • A £2 million client might pay four times more than someone with £500,000—for the same service. This results in:

  • Larger clients subsidising smaller ones

  • Advisers prioritising wealthier clients over others

3. Poor Transparency

Fees are often deducted invisibly from portfolios, and many clients don’t know what they’re paying—or how it affects long-term outcomes. 

Fixed Fees: A Better Way 

1. Clear and Predictable

With fixed fees, there are no surprises. You know exactly what you’ll pay, making it easy to budget and understand the value of the advice you receive.

2. Aligned With Your Interests

Our fees don’t depend on how much money you have invested. This means our advice is always focused on what’s best for you—whether that’s investing, holding cash, or paying down debt.

3. Fair and Equitable

You pay based on the complexity of your needs, not the size of your portfolio. Everyone gets the care and attention they deserve—no cross-subsidies, no bias.

4. Better Value

With a traditional 1% fee, £2 million in assets could cost £20,000 a year.

Our fixed fees are typically £4,000–£8,000—reflecting the actual work involved, not the size of your portfolio.

Our Fee Structure 

Initial Advice Fees: £500 setup fee, plus £500 for each pension transfer and £250 for each ISA or General Investment Account transfer*.

Ongoing Advice Fee: Annual fees start at £4,000 a year, increasing to £6,000 if one of the following applies and £8,000 if both apply:

  • You are approaching or in retirement: if you’re within five years of retirement or already retired, you require more detailed cashflow modelling and retirement income planning.

  • You have complex investments: such as Venture Capital Trusts (VCTs), Enterprise Investment Schemes (EISs), Business Relief investments, onshore/offshore bonds, Family Investment Companies, or discretionary trust structures.

This tiered structure ensures that fees reflect the level of work involved in managing and optimising your financial plan.

*We waive initial transfer fees on ‘small pots’ (pensions worth less than £50,000 and investments worth less than £25,000)