Financial Planning Built on Trust, Warmth & Integrity
We stripped away the intimidating jargon, opaque fees, and stuffy corporate boardrooms. Spentwell was founded to provide transparent, Chartered guidance that puts your life first.
"Easy Money": Why We Reimagined Financial Advice
Traditional financial services often make managing money seem far more complicated than it needs to be. Thick reports filled with acronyms, undisclosed platform charges, and meetings in solemn, intimidating offices create unnecessary anxiety.
At Spentwell, we take the opposite approach. We translate technical complexity into clear, visual, and actionable decisions. We believe you work too hard for your money to spend your days worrying about it.
Our founding motto is simple: "Do right, do good." We act as your fiduciary partner—giving you honest, straightforward counsel so you can spend your time, energy, and wealth on what truly brings joy.
"Keith was a breath of fresh air. No jargon, no waffle, just straight talking common sense. I’m now very clear about my options."
— Stewart, Business Consultant & Spentwell Client
What Makes It Spentwell?
Our six guiding pillars define every conversation, every written report, and every client relationship.
1. Fresh
Modern financial planning delivered in a vibrant, engaging format that replaces stuffy formality with lively, productive momentum.
2. Lively
Open, energetic conversations where we encourage questions, celebrate your successes, and explore what truly matters to you.
3. Thoughtful
Deep consideration of your family's personal values and risk comfort before formulating tailored wealth blueprints.
4. Approachable
No designer suits, no high-pressure sales pitches, and no judgement of past money habits. Just genuine warmth and Scottish hospitality.
5. Insightful
Committed to financial literacy through constant publication of practical guides, video mantras, podcasts, and masterclasses.
6. Optimistic
Grounded in the conviction that life is meant to be lived well. Your money is simply a tool to create joyful experiences and lasting freedom.
Keith Boyes: A Man on a Mission
Keith Boyes has spent over 18 years at the sharp end of personal financial planning. After honing his expertise within prominent UK wealth practices and spending time advising British expatriates in Hong Kong, Keith founded Spentwell to build the kind of advisory firm he would want for his own family.
Holding prestigious Chartered Financial Planner status, Keith combines deep technical mastery of complex UK pensions, tax allowances, and investment structuring with an empathetic, conversational approach that immediately puts clients at ease.
Keith lives in Blackhall, Edinburgh with his partner Anna and two young daughters. A former semi-professional footballer, he remains deeply connected to local Scottish sport, currently serving as a Board Director of The Spartans Football Club in Edinburgh.
National Accreditations & Awards
Our commitment to client-centric planning and educational innovation has earned consistent national recognition across the UK financial advisory sector.
Citywire NMA Top 100 UK Firm
Named among the top 100 independent advice firms in the United Kingdom for four consecutive years.
Plannex Industry Growth Award
Awarded for innovation in client education through the Spentwell Retirement Masterclasses series.
PA Awards: Client Engagement
Shortlisted for national excellence in client communication and empathetic financial planning.
NMA Regional Advice Firm of the Year
Recognized as a leading independent practice across Scotland & Northern Ireland.
Inspire & Aspire Golden Welly Award
Honored for progressive advisory leadership and contributions to the financial planning profession.
The Spartans FC Official Partner
Proud official financial planning partner and community youth sports advocate in Edinburgh.
Have a Conversation with Keith
Book a free 15-minute introductory video or telephone call. We’ll discuss your goals and see if Spentwell is the right fit for your life.