Independent · Fixed Fee · No Product Sales
A sharper, more analytical way to review your finances.
Future Financial gives UK residents independent portfolio reviews and retirement cashflow modelling, built on a PhD-trained, data-led approach rather than a traditional sales background. No commission, no assets under management, no ongoing commitment.
Who we help
Three ways people typically work with us
Whichever describes you, the starting point is the same: an independent look at where you stand today, with clear analysis and no product being sold to you.
Retirement Planning
Heading toward retirement or already there? We model your income, spending and sensitivities so you can see how your plan holds up under different assumptions before you make decisions.
- Retirement cashflow modelling
- Drawdown & sustainability scenarios
- Sensitivity & stress-testing
Self-Directed Investors
Manage your own portfolio but want an independent, analytical second opinion? We review what you hold and explain the risk and structure in plain terms: no products sold, ever.
- Independent portfolio review
- Risk & concentration analysis
- Plain-English structural feedback
Business Owners & Trustees
Run your own business, or act as a trustee for a workplace pension or charity? We give independent analysis of structure, costs and governance, so decisions are backed by evidence rather than guesswork.
- Independent scheme and portfolio reviews
- Cost and governance structure analysis
- Support preparing for trustee decisions
Common questions
Frequently asked questions
Is this regulated financial advice?
No. Future Financial is not authorised or regulated by the Financial Conduct Authority (FCA), and nothing we provide is a personal recommendation under FSMA 2000. We provide independent analysis, cashflow modelling, and education. Where regulated advice is needed, we refer you to an appropriately authorised specialist.
How much does a review cost?
Fixed fees from £595 for a portfolio review to £2,500 for a full planning analysis, and £500 for annual updates for existing clients. Every price is agreed and published upfront, with no assets-under-management charges and no ongoing commitment required.
Do you take commission or sell products?
No, never. We are not paid commission by any product provider, and we do not sell or arrange investments, pensions, or insurance ourselves.
Who is Future Financial for?
UK residents who are planning for retirement, who manage their own portfolio, or who run a business or act as a trustee, and want an independent, analytical second opinion, without being sold a product.
Who provides the analysis?
Dr Jeremy Bezant, qualified in financial planning across the UK and EU (PhD, BSc, MLIBF, DipFA, EFPA), bringing a PhD-trained analytical approach to financial planning.
How do I get started?
Book a free initial call. We will discuss what you need and help you choose the right fixed-fee package before anything is booked or paid for.