I.
Retirement Planning
Cashflow modelling thirty years out. We answer the only question that matters — will you run out, and if so, when. Then we build the plan that ensures you do not.
CrownWealth Advisory
01892 405 220Tunbridge Wells · Chartered · Est. 1994
Long-term financial planning. The opposite of finfluencer advice.
Crown Wealth Advisory is an independent firm of Chartered Financial Planners based in Tunbridge Wells. We work with a small number of families and business owners across Kent and the South-East, building plans that are designed to outlast market noise, political cycles, and the latest investment fashion.
Chartered Financial Planner·FCA Regulated·Fee-Only · No Commission·Independent·Personal Finance Society
01 — Principles
Four commitments that shape every plan we write.
i.
Fee-only, no commission
We are paid by you, not by product providers. Every recommendation we make is one we would make for our own family.
ii.
Independent, not tied
We are not aligned to any provider, platform or fund house. The whole of market is open to us, and we use it.
iii.
Chartered, not merely qualified
Chartered Financial Planner is the highest credential in our profession. It is held by under one in ten advisers practising in the UK.
iv.
Patient, not opportunistic
We measure success in decades, not quarters. We will not call you about a hot tip. We will call you about a Will review.
02 — Services
Five quiet specialisms.
We do not advise on equity release, structured products, mini-bonds, crypto, or any investment whose principal feature is its commission. The list below is deliberately short. The work behind each line is not.
II.
Investment Portfolio Management
Globally diversified portfolios, evidence-based, low-cost. We do not chase last year’s winners, and we do not pretend to time markets. Discretionary or advisory mandates.
III.
Inheritance Tax Planning
Lifetime gifting, trusts, business relief, and the difficult conversations most families would rather not have. Done thoughtfully, IHT is a problem that can be largely solved.
IV.
Pension Drawdown
Defined benefit transfers, SIPP drawdown strategies, annuity comparisons. Independent advice from someone with no axe to grind on which provider you choose.
V.
Junior ISAs & Family Trusts
Education planning, generational wealth transfer, and the structures that quietly hand the next generation a head start without spoiling them.
03 — Who We Advise
We work with around seventy families.
That number is deliberate. It is large enough to keep the practice viable and small enough that we know each client’s circumstances without consulting a database. We are selective about whom we take on, and we are honest when we are not the right firm. Three groups make up most of our work.
01
Retired Professionals
Doctors, solicitors and senior public-sector clients arriving at retirement with a defined benefit pension, an ISA portfolio, and the question — is it enough.
02
Late-Career Executives
Five to ten years from stopping. Substantial pension pots, share schemes vesting, and the need to consolidate before drawdown begins.
03
Business Owners Selling
Founders approaching an exit. Pre-sale tax planning, deferred consideration structuring, and where the proceeds sit when the cheque clears.
04 — Fees
Transparent. Disclosed up front.
We accept no commission, no trail, no introducer fees, and no soft-dollar arrangements with platforms. Our entire income is the fees on this page, paid by clients, and disclosed in writing before any work begins.
Initial Planning Report
£750
One-off · written report, 90-min review
Implementation
£1,500 – £3,000
Sliding scale by complexity
Ongoing Advisory
0.85% p.a.
Of assets under advice · capped
Cashflow Modelling
£500
Standalone engagement
Pension Transfer Advice
£2,500 – £5,000
Fixed fee · pre-disclosed
Discovery Meeting
No charge
Up to 60 minutes
Fees may be paid directly or facilitated from the investment platform where appropriate. All figures exclude VAT where applicable.
05 — The Founder
James Ashworth, Chartered Financial Planner.
James founded Crown Wealth Advisory in 1994 after eleven years at one of the larger national firms, where he grew uneasy with the volume of advice being produced by people he would not have trusted with his own pension.
He is a Chartered Financial Planner, a Fellow of the Personal Finance Society, and a Member of the Society of Trust and Estate Practitioners. He writes occasionally for the FT Adviser and has been quoted in the Times Money section on the question of pension drawdown sustainability.
Outside of work, he is a trustee of two charitable trusts in Kent, a churchwarden, and a lifelong member of the Royal Tunbridge Wells Golf Club, where he is reliably outplayed by his daughter.
From a long-standing client
“James has been our adviser for nineteen years. In that time he has talked us out of two property purchases, three investment fads, and one ill-advised early retirement. We are considerably better off for having listened to him, and considerably less worried.”
Dr & Mrs M. · Client since 2007 · Tunbridge Wells
06 — Begin the Conversation
The first
meeting is ours.
A one-hour discovery meeting, in our offices or yours, at no cost and no obligation. We will listen, ask a number of questions, and tell you honestly whether we believe we can help.
Call 01892 405 220 →Offices
14 Mount Pleasant Road
Royal Tunbridge Wells
Kent TN1 1QU
Royal Tunbridge Wells
Kent TN1 1QU
By Appointment
Monday – Thursday · 9.00 – 17.30
Friday · 9.00 – 16.00
Home visits across Kent & East Sussex
Friday · 9.00 – 16.00
Home visits across Kent & East Sussex
Telephone
01892 405 220