Our Service Levels

Our approach to wealth management is a combination of three specific but complementary services: Financial Planning, Investment Management and Mortgages. You can access any of the three services on their own but together they make a holistic approach to looking after you, your needs and your money.

We will strive to work with you to construct a robust financial plan through the use of cash-flow modelling and show you the impact of a number of life events on your finances.

Continuous advice with yearly review

Our continuous advice with yearly review service is for individual clients and families who require a regular review to help them manage their cashflow situation and get the benefit of annual advice to utilise all of their tax allowances. It is generally for clients who have more complex circumstances and needs.

With this annual service, you will benefit from a highly qualified adviser and their team, a personalised financial plan and have access to the full range of services available.


The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

Continuous advice with review every other year

This biennial service is for clients who have a less complex financial situation. Their circumstances and objectives are more stable and less likely to change. Having a biennial review still gives them the comfort that their investments are being looked after and reviewed.

Portfolio reporting

Advice on demand

Our advice on demand service is for clients who manage their own finances and do not require ongoing service or an annual portfolio report. The advice on demand service allows you to receive advice on a specific one-off basis.

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Our mortgage service is designed for anyone looking for a mortgage, from a first time buyer to a landlord with a portfolio of buy-to-let properties. We have an experienced mortgage team, who will guide you through the complexities that come with property purchase. Our advice and expertise will help you source the right access to some exclusive offers that are available through the Openwork Partnership.

Your property may be repossessed if you do not keep up repayments on your mortgage. Some buy-to-let mortgages are not regulated by the Financial Conduct Authority.

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Schedule a meeting with an adviser

Email clients@thepennygroup.co.uk or call 0207 061 2345 if you would like to schedule in your initial consultation with one of our experienced advisers.