Financial planning you’ll actually enjoy.
Independent, Chartered financial planning and retirement guidance in Edinburgh. Transparent fees, zero jargon, and straightforward advice tailored to your life.
Financial Planning Designed Around Your Life
We don’t sell financial products or hide behind technical formulas. We partner with you to align your money with the life you actually want to live.
From confusion to complete financial clarity.
Most people juggle pensions across old employers, unclear investment fees, and nagging worries about when they can actually afford to step back from work. We replace that anxiety with a structured, visual roadmap.
Whether you are planning your retirement transition, protecting your family against unexpected illness, or organizing business wealth, our advice is clear, practical, and grounded in common sense.
Retirement Mastery
Consolidate scattered pensions, model sustainable lifetime withdrawal rates, and step confidently into your next chapter without fear of running out of money.
Visual Cashflow Modeling
See your entire financial lifetime mapped across interactive visual timelines. Stress-test market downturns, early retirement, property moves, or family gifting.
Human Protection
Bespoke life assurance, critical illness cover, and income protection written into trust. Zero direct advice fees charged to clients for protection planning.
The 4-Step Journey to Financial Peace of Mind
We stripped away the stuffy boardrooms, uncomfortable jargon, and aggressive sales tactics. Here is how working with Keith works from day one.
We Get to Know You
An informal, complimentary discovery meeting over coffee or video call. We listen to what matters to you and your family—no sales pitches, no paperwork, no pressure.
Your Visual Profile
We analyze your existing pensions, investments, and expenses to map an initial visual lifetime timeline. You see exactly where you stand and what options exist.
A Tailored Action Plan
Keith presents your clear, written financial plan with transparent recommendations. If you choose to proceed, we handle 100% of the provider transfers and setup.
Financial Check-ups
Life changes, tax rules shift, and markets fluctuate. We meet at least annually to adjust your plan, rebalance investments, and ensure you remain on track to your goals.
Transparent Fees. No Hidden Surcharges.
Traditional wealth managers hide their fees like luxury boutiques hiding price tags. At Spentwell, our fees are published openly on our website for everyone to see.
Interactive Fee Calculator
Drag the slider to your estimated investable wealth or pension pot to view the exact, unbundled cost of Spentwell's comprehensive planning and implementation.
*Ongoing annual advisory fee is 1% per annum of managed assets, calculated monthly in arrears. You are never locked in and can cancel at any time.
| Service Stage | What is Included | Fee Structure |
|---|---|---|
| 1. Complimentary Discovery | 30-min discovery session to explore your life goals, pensions, and questions. | £0 (Complimentary) |
| 2. Strategic Proposals | Detailed review of current financial status, risk capacity, and options. | £0 (Complimentary) |
| 3. Comprehensive Written Plan | Full analysis, cashflow modeling, asset recommendations, and formal written blueprint. | £995 Fixed Fee |
| 4. Implementation & Transfer | End-to-end administration, provider communications, fund selection, and compliance. | 1.0% of invested assets |
| 5. Ongoing Advisory Partnership | Annual structured reviews, year-round advice, rebalancing, and tax allowance optimization. | 1.0% per annum (billed monthly) |
| Human Protection (Insurance) | Life assurance, critical illness, and income protection written into trust. | £0 Direct Advice Fee (Provider commission disclosed) |
Meet Keith Boyes: Chartered Advice, Down to Earth
I founded Spentwell with a simple belief: getting professional financial advice shouldn't feel intimidating, boring, or secretive. For too long, wealth management in the UK has relied on designer suits, incomprehensible jargon, and hidden percentages.
With over 18 years of advisory experience across leading UK wealth practices and international expatriate planning in Hong Kong, I bring top-tier Chartered qualifications and a relaxed, human touch. My guiding principle has always been "do right, do good".
Outside of Spentwell, I live in Blackhall, Edinburgh with my partner Anna and our two young daughters. As a former semi-professional footballer and current Board Director of The Spartans Football Club, I am proud to give back to our Edinburgh community.
Real Experiences from Real Clients
Read unfiltered feedback from people who took the step to clarify their financial future with Keith at Spentwell.
"We recently worked with Keith at Spentwell to review our finances and put a plan in place to help us achieve our financial goals. We loved the human-centric approach at Spentwell with Keith really taking the time to get to know us, our relationship with money, our spending habits and our goals for our financial future and the goals we have for our children. Keith always explained things clearly and outlined everything in detail from the outset."
"We had a fantastic experience working with Keith at Spentwell. I have put off getting financial advice for too long as every time I looked around I found it hard to relate to the marketing as many websites seemed to have an overly corporate image and appeared too stuffy and complicated. A chance meeting with Keith caused me to realise Spentwell was not like this at all! Keith's approach was very straightforward, cutting through all the jargon."
"Having attended a Retirement Masterclass this week, I would encourage those of you who are waiting to get round to it to try it. The Spentwell approach is intuitive and clean approach which breaks things down to a nice relatable level to plan from. Keith is passionate about helping others to financially plan and delivers it in a fresh way."
"Keith is a real professional, he gave me some fantastic advice on financial planning and resources which I could access in order to learn more about this topic. He is very generous with his time/knowledge and genuinely wants the best for his clients. If you have any questions / are looking for help planning your financial future then do not hesitate to give Spentwell a call."
"I attended a Spentwell Masterclass on Retirement and was amazed at how much more I need to be thinking about my retirement and the journey to get there. Some serious food for thought and I look forward to touching base with Keith soon about my next steps."
Frequently Asked Questions
Have questions about our regulatory standing, how fees work, or what to expect? Here are straight answers without the corporate speak.
Is Spentwell independent and authorized by the FCA?
Yes, absolutely. Spentwell is a trading name of Forbes Wealth Limited, which is authorized and regulated by the Financial Conduct Authority (FCA Register No. 838234). Being fully independent means we are not tied to any bank, fund manager, or insurance company. We research the entire UK market to recommend only what is best for your personal circumstances.
What happens during the complimentary 15-minute discovery call?
The discovery call is a relaxed, zero-pressure conversation with Keith Boyes over phone or video. You tell us a bit about your current situation, what you’re hoping to achieve, and what’s causing uncertainty. Keith will confirm whether Spentwell can genuinely help and outline what the next steps look like. You will never be asked to make an on-the-spot decision or pay a penny.
How do your fees work, and are there any hidden costs?
We publish 100% of our fees openly. Initial discovery and strategic proposals are completely free (£0). A full comprehensive written financial plan is a fixed £995 fee. If you decide to have us implement your pensions and investments, we charge 1% of the invested amount, and our ongoing advisory service is 1% per annum billed monthly. There are no exit penalties, no lock-in contracts, and no hidden administration markups.
Can Spentwell help me track down and consolidate multiple legacy pensions?
Yes. Many clients come to us with 3 to 6 pensions scattered across previous employers, often with high charges and unclear investment performance. We handle the tracing, complete deep-dive analysis on any valuable guarantees or penalties, and present an objective recommendation on whether consolidation into a modern, low-cost platform like Transact is beneficial.
Do I need to be ultra-wealthy to work with Spentwell?
No. While many of our ongoing wealth management clients hold investable portfolios between £100,000 and £2,000,000+, we also offer fixed-fee planning, hourly consultations (£200/hr), and free pro-bono guidance sessions as part of our institutional "do right, do good" mission. If you are serious about managing your money well, we are here for you.
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Ready to Make the Most of Your Hard-Earned Money?
Book a free 15-minute introductory video or telephone call with Keith Boyes. No jargon, no pressure, just straight-talking Chartered advice tailored to your goals.