2plan wealth management
All the financial advice you need, all in one place
“It’s not how much money you make but how much money you keep, how hard it works for you, and how many generations you keep it for”
Robert Kiyosaki on why people benefit from professional financial advice.

This is what we aim to do, to help you make good decisions about your money and providing clear information to help you achieve your financial goals.

2plan wealth management is a national advisory firm consisting of financial advisers and mortgage and protection specialists.

Working with 2plan wealth management also allows us to offer you all the benefits of a larger organisation, such as the latest technology, greater financial strength, the ability to use our scale to negotiate reductions in charges with product providers and investment platforms and the reassurance of a team of experts to get things right first time.

For a conversation about your financial plans, why not get in touch today?

2plan wealth management

The 4 Step Process

Step 1


  • Introduction
  • Agree remuneration method
  • Review existing plans
  • Identify goals and objectives
  • Information gathering

Step 2


  • Assess objectives
  • Research market
  • Devise investment strategy
  • Select product(s)
  • Recommendation
  • Suitability Report

Step 3


  • Apply to product provider
  • Complete documentation
  • Process applications
  • Policy documentation

Step 4

Ongoing Service

  • Assess continued suitability
  • Complete a new investment risk questionnaire
  • Annual Suitability Report
  • Ongoing access to your adviser

About Us

Launched in July 2007 we have grown to become one of the leading firms of Financial Advisers in the UK. Our head office administration, technology and regulatory teams provide dedicated service and support to all our financial advisers around the country.

We act solely in the best interests of our clients at all times. The “client experience” is paramount and all our advisers pride themselves in building long lasting, professional client relationships. We aim to ensure that all our clients will always view 2plan wealth management as their trusted adviser.

Our guiding principles:

  • Best advice - providing you with products and services suitable for your needs
  • Great service - prompt, reliable, friendly; always centred around you
  • Clear, open communication - so you always know where you stand
  • Good information - honest and accurate, timely and relevant
  • Continual improvement - enhancing and updating our service to you
  • Quality control - identifying failings and putting them right
  • Checking and monitoring - reviewing information, tracking progress

What We Do

Our primary focus is on the provision of wealth management services for private investors and corporate clients throughout the UK. The range of services covers all aspects of pensions, investments, insurance and mortgage business.

The business model centres on highly structured technology-based processes. This enables us to deliver a highly streamlined cost-efficient service proposition for all our clients.

Please click on the services above to view them in more detail.

Financial Protection

We all dream of winning the lottery. But what are your odds when it comes to accidents or illness?

Unfortunately, the chances of long-term absence from work are higher than you might think

8 ball

8% risk of death before 65.

16 ball

16% risk of suffering a serious illness.

32 ball

32% risk of being unable to work for 2 months or more.

Life cover is the most popular cover but premature death isn't the biggest risk we face during our working lives.

We're all natural optimists, but even a little bit of income protection could make your finances less of a gamble.

Source: LV= risk reality calculator May 2015, based on a male non-smoker aged 30.


Investment Planning And Regular Savings


Why Helping with Asset Allocation Is So Important

By including assets with investment returns that move up and down under different market conditions, an investor can protect against significant losses within a portfolio. Historically, the returns from the major asset classes have not moved up and down at the same time, so by investing in more than one asset type, you'll reduce the risk of losing money and your portfolio's overall investment returns should have a smoother ride.

Time vs Money

Why Does Time Matter

Time Horizon - the number of years, or decades you will be investing to achieve a particular financial goal can make a significant difference. If you think about it, an investor with a longer time horizon may feel more comfortable taking on a riskier, or more volatile investment because they can ride out the inevitable ups and downs of our markets. Risk Tolerance – being prepared to lose some or all of your original investment in exchange for greater potential returns. An aggressive investor, is more likely to risk losing money in order to obtain better long term results, whereas a cautious investor, tends to favour investments that try to preserve the original investment.

Profit Risk Loss

So What's The Right Approach For Me

The actual process of determining which mix of assets to hold in your portfolio is a very personal one. The asset allocation that works best for you at any given point in your life will depend largely on your time horizon and your ability to tolerate any potential losses. We have developed cutting-edge psychometric risk profiling software to make sure we help you make the right decision.


Retirement Planning

Wednesday, February 20, 2013

Britons 'worst in world at saving for retirement'

British workers are the worst prepared in the world for retirement, a new study has shown.

Figures from HSBC show that the average retirement in the UK is expected to last 19 years, but the average person's retirement savings will last for just seven years.

Recent data from the Office for National Statistics shows that the median value of private pensions in the UK stands around £57,000. As most people take out the 25% tax free cash of £14,250 this would only leave enough for a guaranteed income of around £127pm*. Whilst most people tend to spend less money in retirement, £127pm is around 6% of the current national average earnings.

100 Percent Percent
Pension Shortfall

* Based upon a male and female aged 65 with benefits escalating at 3% and provision for a 50% spouses pension


Advice At Retirement

What on earth is pound cost ravaging? It's the name given to the effect on your pension pot when you withdraw capital in a falling market. By taking regular withdrawals whilst the market is falling, the financial implications for your retirement pot can be dramatic, you only have to get a few years of bad returns in the early years of your retirement and it may be almost impossible to recover, even though the longer term average returns from your investments may remain strong.


You must remember that you're effectively selling your assets when they are worth less. This is because when the price of each unit that you hold is lower more need to be sold in order to reach your required level of income. Unfortunately, most savers simply assume that if they select a modest level of regular income, regardless as to what happens in the markets, that they'll be able to carry on indefinitely. In reality, taking regular withdrawals in times of market stress can destroy the health of your pension pot and therefore, investors must regularly adjust their retirement plan and investment strategy to avoid the real risk of running out of money whilst retired.



For many people, buying a home will be the largest single investment they make, it's a huge financial commitment that no one can afford to get wrong. Making the wrong decision can be a very expensive mistake. Moreover, trying to pick the best deal from the vast ranges available from hundreds of lenders can seem almost impossible and even if you find a good deal, you may not know whether you will be accepted – especially as lending criteria often vary considerably.

Whether you are a first time buyer, moving home, looking to re-mortgage or purchase a second property, it is crucial that you only consider a mortgage that's right for you and this is where an professional mortgage adviser helps by searching the market on your behalf to source the right deal based on your personal circumstances and budget. We will also discuss the various options, such as fixed, tracker, discounted, variable and offset and of course the different ways in which you will repay your mortgage.

All of this is essential, as your home may be repossessed if you do not keep up repayments on your mortgage.


Ongoing Service

Understand Plan Review Implement

An international HSBC study, The Future of Retirement, in 2011 showed that those with financial plans accumulated nearly 250% more retirement savings than those without a financial plan in place. Furthermore, nearly 44% of those who have a financial plan in place save more money each year for retirement.

FOCUS on plans, not retirement

Research by David Blanchett and Paul Kaplan of Morningstar, in their article "Alpha, Beta and now...Gamma", has attempted to quantify into real numbers the value that financial advisers can provide. Their research shows that advisers help individuals generate roughly 1.82% excess return each year, creating roughly 29% higher retirement income wealth. This means even if an adviser is charging a 1% fee a year for the management of assets, the financial advice still has a huge impact on generating additional wealth.


What You Can Expect

As A Client

Prior to providing you with any advice we will take time to understand your current needs, circumstances, attitude to risk and capacity for loss. Any advice provided will be confirmed to you in writing.

• Professional and personal advice from a qualified adviser

• Support from one of the UK’s leading financial advisory firms, regulated by the Financial Conduct Authority (FCA)

• Access to our unique wealth management financial advice process

• A commitment to provide transparent costs and charges

• Security and safety with an embedded commitment to regulatory and professional standards

Professional financial planning does however come at a cost, in much the same way as obtaining professional legal or accountancy advice.

As Warren Buffett said:

“Price is what you pay – Value is what you get”

As An Adviser

• National firm of Financial Advisers

• Bespoke in-house technology

• Central administration and paraplanning

• Professional marketing support including:

     • Personalised consumer facing website

     • Extensive range of brochure ware

• Nil PII excess scheme

• 2retire: Succession planning in the 21st Century

• Everything you need; all in one place.


With 2plan, you're always in the loop with the latest news from around the financial world.

To download your copy, simply click on the selected image below.

Omnis Investments

Omnis Investments Limited is wholly owned by Openwork Holdings Limited.

The investment funds are available exclusively through the financial advisers of 2plan wealth management Ltd and Openwork Limited - one of the UK's largest financial advice networks groups.

Working with leading global investment management firms, Omnis have created a range of funds that offer a fresh solution to the investment needs of UK investors. At the heart of the Omnis approach is a focus on maximising returns from well defined levels of risk.

Below you can download and read more information about Omnis and their exclusive fund range.

Publication Edition 6

Get In Touch

Why not get in touch for an informal conversation?

3rd Floor, Bridgewater Place, Water Lane, Leeds, LS11 5BZ.

Copyright © 2020. 2plan wealth management Ltd. All rights reserved.

The guidance and/or advice contained with this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

2plan wealth management Ltd is authorised and regulated by the Financial Conduct Authority. It is entered on the Financial Services Register (www.fca.org.uk) under reference 461598.

Registered address: 3rd Floor, Bridgewater Place, Water Lane, Leeds, LS11 5BZ. Telephone: 0113 302 1360.

Registered in England Number: 05998270.

Please click here to view our privacy policy.

Send A Secure Message

Alternatively, you can send me a secure message using the form below:

What is your primary financial area of interest?
What is the best time to contact you?
What is the answer to Captcha

If You Have A Complaint

Of course, we always strive to provide a service that meets your needs. But if we fall short of your expectations, we would prefer to hear about it – so we can put things right.

If you need to take things further, you can register a complaint by writing to: 2plan wealth management Ltd 3rd Floor, Bridgewater Place, Water Lane, Leeds LS11 5BZ - or by telephone on 0113 3021369.

You may also be able to refer your complaint to the Financial Ombudsman Service. Their contact details are:

The Financial Ombudsman Service, Exchange Tower, London E14 9SR. Tel: 0800 023 4567.



As financial advisers, our success depends on building successful, long-term, professional business relationships with clients. Honesty, integrity, good service and going the extra mile - these are the things we believe matter to you, and these are the guiding principles that underpin our approach to business.

Existing clients, please click here to visit the Horizon portal.