Independent Financial Advice

My name is Michaela, and I am a UK independent financial adviser with nearly two decades of experience in financial services. My brand is Roseum Financial Planning.

I provide regulated financial advice on:

• Investments
• Pensions and retirement planning

I provide advice online via Microsoft Teams, so there's no need to travel to my office for meetings. Wherever you are in the UK, I can work with you.

"Independent" means that I can recommend you financial products and solutions from across the whole of the financial services market. Some Financial Advisers are "restricted" and are only allowed to advise on a "panel" of pre-approved products. As an independent adviser, I am under no such restriction. The benefit for you is that I can consider a wider array of options when formulating your advice.

I specialise in working with individuals, small businesses, trusts, and charities.

I am a Chartered Financial Planner which is a professional designation awarded by the Personal Finance Society.

I am a Practitioner of Financial Planning which is a professional designation awarded by Practical Financial Exams.

These designations mean that I hold two Bachelor's level qualifications in Financial Planning, and subscribe and commits to a programme of ethical standards, ongoing assessment, and continued professional development.

Roseum Financial Planning is a trading style of Peregrine & Black Investment Management Limited. I am therefore supported by Peregrine & Black.

Peregrine & Black is a fully integrated financial services group, established in 2012 with offices in the UK and Bermuda. The group offers two principle services, Investment Management and Institutional Trading.