Lifetime financial planning
A cash-flow plan showing what you have, what you need and when you can stop working, reviewed each year.
Independent financial planning for individuals and families.
Whole-of-market advice on pensions, investments, protection and inheritance, from planners who work alongside your accountant and solicitor.
Our services
Pensions & retirement income
Contributions, consolidation and drawing an income, with the tax planned alongside.
Investment management
Whole-of-market portfolios matched to your goals and the risk you can afford, with costs and tax kept low.
Family protection
Life cover, income protection and critical illness cover, written in trust where appropriate.
Inheritance tax & estate planning
Gifting, trusts and pensions planned around your inheritance tax position, with our solicitors drafting the wills.
Residential mortgages
Mortgages and remortgages for your home, and later-life lending.
Pension contributions, gifts and your estate each have tax, legal and investment consequences.
Your planner at Totus One can see your tax position and your legal documents, so recommendations are checked by the accountant and the solicitor before you act on them.
Who we act for
Individuals & families
One plan for the household: pensions, investments, protection and the children's future.
Senior professionals & executives
Pension allowances, share awards and higher-rate tax planning.
People approaching or in retirement
Pensions, investments and property turned into a sustainable income, with the tax on each withdrawal planned.
Families planning their estate
Inheritance tax, trusts and gifting, with the legal documents drafted by our solicitors.
The first conversation costs nothing.
Initial consultations are at our expense and without obligation. If we then work together, fees are explained clearly before you commit — whether the work is a one-off piece of planning or an ongoing advisory relationship.
You will always know what you are paying, what for, and what you should expect in return. If we do not think we can add value, we will tell you that too.
Insights
Financial Services
Pensions and inheritance tax from April 2027
From 6 April 2027 most unused pension funds will be included in the estate for UK inheritance tax. What is changing, wh…
Financial Services
Giving money to your children: the tax rules for lifetime gifts
The inheritance tax, capital gains tax and income tax rules for gifts to children and grandchildren, including the annu…
Financial Services
Drawdown, annuities and lump sums: turning your pension into an income
The ways to take money from a UK defined contribution pension: tax-free cash, flexi-access drawdown, annuities and lump…
Common questions
Is your advice independent?
Yes. Planning at Totus One is whole-of-market — we are not tied to any provider, so recommendations are driven by what fits your plan, not by who manufactures the product.
Are you regulated to give financial advice?
Financial advice at Totus One is provided by FCA-authorised advisers. Full regulatory details are set out in our legal and regulatory notices, and we will always confirm the regulated status of any advice before you act on it.
Is there a minimum level of wealth to work with you?
No hard minimum. We are planning-led rather than product-led: if you have a pension, a property or a family to protect, the planning is worth doing. We will be honest if we think full advice is not yet good value for you.
What does the first meeting cost?
Nothing. The initial conversation is at our expense and without obligation — it is how we both find out whether we can add value before you commit to anything.
Can you review my existing pensions and investments?
Yes. We review what you already hold — costs, risk, performance and how the pieces fit together — before recommending any change. Certain transfers, such as defined benefit pensions, carry extra regulatory safeguards, which we will explain if they apply to you.
Can my investments fall in value?
Yes — the value of investments can go down as well as up, and you may get back less than you invest. Good planning does not pretend risk away; it makes sure the risk you take is deliberate, understood and matched to your capacity to absorb it.