Financial Advice for Everyone

Roseum Financial Planning is a UK Financial Adviser.

We provide regulated financial advice on:

• Investments
• Pensions and retirement planning

Not all areas of financial advice are regulated, and we also provide advice on Inheritance Tax.

Our meetings are all held online via Microsoft Teams, so there's no need to travel. Wherever you are in the UK, we can work with you.

Roseum is run by Michaela Pashley, a Chartered Financial Planner with a career spanning nearly two decades.

We specialise in working with professionals looking to invest their money, review their existing pensions/investments, and plan for retirement.

Michaela is our Financial Adviser. It's she you'll meet with to discuss your financial planning, and who will research, design, present, and implement your advice.

Michaela is a Chartered Financial Planner, Practitioner of Financial Planning, and Fellow of the Personal Finance Society. She has even authored her own formal financial planning qualification, which she continues to oversee and deliver alongside her work at Roseum.

Throughout her 18-year career, she has worked with some of the profession's biggest brands including M&G/Prudential, Sandringham, St James's Place, and SimplyBiz.

We're proud to be part of Quilter Financial Planning as they are UK’s largest and most respected distributors of financial advice. They have around 2,000 advisers who choose to be part of their network as they provide them with the specialist support they need to deliver the highest quality advice for their clients.

Initial advice costs 2% of the money on which you'd like financial advice (subject to a minimum fee of £1,500 and a maximum of £10,000). Alternatively, fixed fees will be negotiated where a percentage-based model isn't appropriate. This is payable after you have received your advice, and will be agreed with you in writing before any chargeable work commences.

Ongoing advice is optional, and costs 0.5% per annum of the funds under advice (subject to a minimum fee of £500 and a maximum of £10,000). This can be cancelled anytime without charge, and will be agreed with you in writing.

Full details of our fees are in our Terms of Business, which we'll present to you at our initial meeting.

Whatever your fee, our job is to provide you with value. This may be through investment returns, tax relief/lower tax, saved time, reduced complexity, peace of mind, and/or greater certainty.

When we started, we had a set four-step advice process. However, this didn't work for everyone. As such, we now consider our process bespoke and flexible depending on your needs.

Some clients may need or prefer fewer meetings, while others may need or prefer several meetings. This depends on factors such as investment knowledge and experience, personal and financial circumstances, and neurodiversity. This flexibility ensures an equitable outcome.

However your journey with us looks, all our clients will go through three main stages:

1. We need to know what you want to achieve with your financial planning, and you need to decide if we're the right financial planner for you. If so, we'll ask you to sign our Fee Agreement via DocuSign.
2. Next, we'll ask you to confirm all the relevant information we need to give financial advice. We'll often provide clients with a Microsoft Word template to detail their assets, liabilities, income, and expenditure, and hold a meeting on Microsoft Teams to establish their objectives, preferences, and investment risk profile. We'll also ask you to sign Letters of Authority, which we'll send to your current investment and pension providers to enable us to gather information from them directly. Part of this stage often involves a dedicated cashflow modelling meeting, where we use software to test the sustainability of your retirement income objective.
3. We'll then put together your recommendation, including an overall strategy, and specific products and investments where relevant. This will be provided in a formal Suitability Report. If you wish to proceed with the recommendations, we implement them for you.

If you need or want ongoing advice, there is an additional step. We'll meet with you at least once a year via Microsoft Teams to complete a review of your financial circumstances and plan. We will issue new advice in a fresh suitability report, even if the advice is to stay put. This is an ongoing process of continual analysis, evaluation, and review.