FAQs

Yes, we are independent financial planners. We work for you, not one financial institution, and therefore have access to the whole of the marketplace.

Yes, Delaunay Wealth Management Limited is authorised and regulated by the Financial Conduct Authority. Our FCA registration number is 806635.

Yes, meetings can be held in person or by video call, depending on what suits you best. They can take place at your home, workplace or one of our offices, although most clients choose video call because it is the most convenient option.

Face-to-face meetings can be held at a place that is convenient to you. That could be our Woking office, Optichrome House, 98-102 Maybury Rd, Woking GU21 5HX, our London office, 85 Tottenham Court Road, London, W1T 4TQ, your home or your workplace.

Yes, there is parking available at our Woking office: Optichrome House, 98-102 Maybury Rd, Woking GU21 5HX. There is no parking at our London office, but we are only a one-minute walk from Goodge Street tube station.

Delaunay Wealth Management has been providing financial advice since January 2013. We have been supporting clients ever since.

We are based in Woking, and we work with clients all over the country. Most of our meetings are carried out remotely unless you have a specific preference for meeting face to face.

Yes, you can view client reviews and testimonials on our Client Stories page, as well as on VouchedFor and Google. These give you a better feel for what it is like to work with us.

Rather than taking an investment-only approach, we provide an expert, fully audited and holistic financial planning service. Lloyd aims to offer strategic financial guidance to prosperous, family-oriented people and help them reach their life goals through clear guidance and proven techniques.

Our FCA registration number is 806635. Delaunay Wealth Management Limited is authorised and regulated by the Financial Conduct Authority under this number.

We work with clients in Reading, Basingstoke, Winchester, Guildford, Woking, Kingston upon Thames, Elmbridge, Leatherhead, Farnham, Kensington, Chelsea, Richmond upon Thames, Battersea, Putney and Wimbledon. We also work with clients more widely, as many of our meetings are held remotely.

No, mortgages do not form part of our financial planning service. Our focus is on helping you plan more broadly for your long-term financial future.

No, equity release is not something we advise on. Our service is centred on wider financial planning rather than this area of advice.

Yes, we can help you with personal pensions. This can form an important part of building the right plan for your future.

Yes, we can help with occupational pensions. We will look at how these fit into your wider financial plan and long-term goals.

Yes, we can help you bring multiple pensions together. This can be an important step in making things clearer and easier to manage.

Yes, we can help you take your pension in a tax-efficient way. We will look at the options available to support your plans and income needs.

Yes, we can help if ethical or sustainable investing is important to you. We will take your preferences into account as part of your wider planning.

Yes, we can help you invest an inheritance. We will look at how it can best support your wider goals and financial future.

Yes, we can advise on self-invested personal pensions (SIPPs). We can help you understand how they may fit into your overall plan.

No, we do not advise on final salary or defined benefit transfers. This sits outside the areas we cover.

Yes, we can help with long-term care and later-life planning. These conversations are an important part of planning ahead with confidence.

Yes, we can help with Inheritance Tax planning and estate planning. This forms part of making sure your finances are structured in the right way for you and your family.

Yes, we can advise on investments such as ISAs. We will consider how they fit into your wider financial plans and objectives.

Yes, we can advise on protection, including life insurance, critical illness cover and income replacement. This can play an important role in protecting you, your family and your plans.

Yes, the initial phone call and the subsequent Discovery Meeting are both held at our expense. This gives us the chance to get to know each other before any fees apply.

To demonstrate our commitment to transparency and help you understand our fees at the earliest opportunity, we have published our fees on our website. Click here to see them.

Our initial advice fee is split between a £2,000 strategic report, which forms the basis of your roadmap, and £3,000 for implementation, with the total initial fee capped at £5,000. If you decide not to proceed with implementation, we will charge you directly for the strategic report, and VAT may apply on top. After implementation, our ongoing advice fee is 1% per year.

To demonstrate our commitment to transparency and help you understand our fees at the earliest opportunity, we have published our fees on our website. Click here to see them.

Our minimum fee is £2,000. This covers the strategic report, which forms the basis of your roadmap going forward.

To demonstrate our commitment to transparency and help you understand our fees at the earliest opportunity, we have published our fees on our website. Click here to see them.

We typically charge £2,000 for a strategic report. This report forms the basis of your roadmap going forward and helps us decide the next steps.

To demonstrate our commitment to transparency and help you understand our fees at the earliest opportunity, we have published our fees on our website. Click here to see them.

Our initial fees are fixed, with £2,000 for the strategic report and £3,000 for implementation, capped at £5,000. After implementation, we charge 1% per year for our ongoing advice.

To demonstrate our commitment to transparency and help you understand our fees at the earliest opportunity, we have published our fees on our website. Click here to see them.

We never receive commission in relation to investment and pension advice. We may, however, receive commission in relation to protection policies.

To demonstrate our commitment to transparency and help you understand our fees at the earliest opportunity, we have published our fees on our website. Click here to see them.

Not typically. However, if you are being charged for the strategic report only, VAT may apply on top.

To demonstrate our commitment to transparency and help you understand our fees at the earliest opportunity, we have published our fees on our website. Click here to see them.

Our charging structure is designed to be clear and fair, with fixed initial fees capped at £5,000. This is something that sets us apart from many other financial planning firms.

To demonstrate our commitment to transparency and help you understand our fees at the earliest opportunity, we have published our fees on our website. Click here to see them.

We have a unique charging structure, with initial fees that are fixed and capped at £5,000. That is not something you will find at every financial planning firm.

To demonstrate our commitment to transparency and help you understand our fees at the earliest opportunity, we have published our fees on our website. Click here to see them.

You can find full details of our fees on our fees page. This sets out the charges for each stage of your financial roadmap.

To demonstrate our commitment to transparency and help you understand our fees at the earliest opportunity, we have published our fees on our website. Click here to see them.

Yes, your investments are protected by the Financial Services Compensation Scheme. This is an important part of the protection available to clients.

If something goes wrong or you have a complaint, please contact Lloyd in the first instance. If you are not satisfied with our response, you may be able to refer the matter to the Financial Ombudsman Service. The Financial Ombudsman Service is based at Exchange Tower, London, E14 9SR.

All the information you provide to us is stored on our secure servers. We may also keep copies of your data on paper files and on our computer systems where needed. Access is limited to the Delaunay Wealth Management Limited team, and only for the purpose of providing advice and carrying out the administration that supports your financial plan.

Yes, we are insured to give financial advice. This is part of the standards and protections that support the service we provide.

You can check both Lloyd’s individual entry and Delaunay Wealth Management Limited’s firm entry on the FCA Register. This allows you to verify our registration and authorisation directly.

Yes, you can read client stories on our website. These give you a better feel for the experiences of people who have worked with us.

We carry out a client satisfaction survey on a regular basis to make sure our existing clients are happy with the service provided. We also request Google and VouchedFor reviews after every annual Progression Meeting.

Yes, we were voted one of VouchedFor’s Top Rated Advisers in 2021, 2022, 2023, 2024 and 2025. This reflects consistent positive feedback from clients.

Yes, we are featured on VouchedFor. You can view our firm profile here. We have more than 100 reviews on there.

Yes, we can help you plan for an earlier retirement. We will look at what that might take and how it fits with the life you want to enjoy.

Yes, retirement planning is a key part of what we do. We will help you understand what is possible and put a plan in place to support it.

People from all walks of life come to us with their financial concerns. From business owners to senior executives and those who are actively retired, our focus is on making the complex simple and building long-term relationships.

Yes, we do. We work with clients who are still building wealth and want to make good decisions for the future.

Yes, we do. We regularly help company directors and self-employed clients make sense of their finances and plan ahead with confidence.

Yes, we work with both. Whether retirement is still on the horizon or already underway, we can help you plan for the next stage of life.

Yes, we can. We can help you think carefully about how an inheritance fits into your wider plans and what steps may be right for you.

Yes, we can. We help clients who are selling a business make informed decisions about what comes next and how to use their wealth in a meaningful way.

Yes, we can. We understand this can be a difficult time, and we can help you bring clarity and structure to your finances when you need it most.

Yes, we specialise in all of these areas. Business owners, retirees and professionals are all groups we regularly work with.

No, this is not something we offer. Our service is designed for clients based in the UK.

Yes, we can. We can look at what you already have in place and consider how it fits with your wider financial plan.

Our financial planning service is typically most suitable for someone with investable assets of at least £500,000. However, we are happy to work with clients who have a minimum of £150,000 to invest.

You can contact us by telephone, email or through the contact form on our website. We will then arrange an initial phone call to see whether we are the right fit for each other.

No, you do not have to pay for an initial meeting. The initial phone call and the subsequent Discovery Meeting are both held at our expense.

You do not need to prepare anything for the initial phone call. If you would like to move forward to the Discovery Meeting, we will let you know what is required.

The initial phone call and Discovery Meeting give us time to get to know each other. We will talk through your goals and make sure we are right for one another.

You should typically allow 15 to 20 minutes for the initial phone call. The Discovery Meeting usually takes 60 to 90 minutes.

No, there is no obligation to sign up to our services at your initial meeting. You only need to proceed when you are ready.

At the moment, we do not have a female planner in the team. If you choose to work with us, you will be supported by Lloyd and the wider team throughout your journey.

If Lloyd is away on holiday, the client support team is always available to assist. They can also arrange a call with Lloyd when he returns, if required.

You will see your financial planner at least once a year during your annual Progression Meeting. You also have unlimited access to your planner and client support team throughout the year, and we send a monthly newsletter.

Yes, cashflow forecasting is a core part of our financial planning service. It helps us understand what action may be needed to help you achieve your aspirations.

We review your circumstances every year during your Progression Meeting. If your circumstances change in the meantime, we ask that you contact us so we can make sure your financial plan is still on track and relevant.

Absolutely, we can work alongside your accountant or solicitor. In fact, we highly recommend doing this where appropriate.

Yes, we can coordinate with your mortgage adviser if they need information from us. We are happy to provide the information they require.

We do not provide example financial plans, as the advice we give is tailored to each client’s individual circumstances. Your plan will be built around your own goals, needs and recommendations, so it is designed specifically for you.

Yes, you will be able to see the value of your investments online. You will have access to our client portal, which includes valuation information.

Yes, we provide a client portal for this. You will be able to use it to view valuation information.

You will see your financial planner at least once a year during your annual Progression Meeting. You also have unlimited access to your planner and client support team throughout the year.