Chris Merry

Profile Summary

I am a financial adviser specialising in holistic financial planning. I support clients across all aspects of their financial lives, including protection, cash management, investments, retirement planning, and estate planning to help pass wealth to the next generation. My priority is to understand the goals, objectives, and aspirations of each client. By working collaboratively, I can create a tailored financial plan that helps ensure these objectives are achieved. I provide independent advice that is specific to your circumstances and focused on giving you clarity and confidence about your financial future. I enjoy helping clients answer key questions, such as, “Can I retire when I want?” Using cashflow modelling and financial forecasting, I can show what is achievable and provide clear guidance to help clients plan their future with confidence and peace of mind.

Investment & Financial Services Offered

Who Chris Merry Works With

I work with a wide range of clients, from individuals planning for retirement to families looking to pass on wealth efficiently. I also support business owners who need guidance on cashflow management, investments, and protection planning to secure both personal and business finances. Many clients come to me wanting clarity on long-term goals, such as retirement timing or funding education for their children. I work closely with each client, taking the time to understand their unique situation and aspirations before creating a financial plan tailored to them. I enjoy working with clients who value collaboration, clarity, and a structured approach to achieving their financial objectives.

Investment Philosophy & Approach

My investment approach is based on personalisation, clarity, and long-term strategy. I aim to design investment portfolios that suit each client’s risk tolerance, financial goals, and time horizon. I believe in diversification and careful planning to balance growth and security, while ensuring investments are aligned with your overall financial plan. My focus is always on helping clients achieve their objectives in a practical, informed way.

Fees & Charging Structure

All fees are discussed and agreed with you before any work begins. Transparency is key, and you will always know exactly what you are paying for and why. Fees depend on the type of planning required and the complexity of your situation. TPO Premium Service – Fixed Fees - Cash Flow Analysis – £500 - Detailed Cash Flow Forecasts (multiple scenarios) – from £2,125 - Simple Financial Planning * Cash to Investments and Pensions – from £2,300 * Investment and Defined Contribution Pension Review – from £4,425 - Protection Planning Services – starting at £500 (settled via commission from the provider, depending on complexity) - Specialist Financial Planning Services * Alternative Investing for Tax Planning and Diversification – from £2,875 + VAT * Estate Planning (Stage 1) – from £2,875 + VAT * Equity Release – £5,000 to £30,000 depending on complexity * Lump Sum Allowance Assessment – from £1,500 depending on complexity and time required - Specialist Defined Benefit Pension Review * Abridged Advice Service – £995 + VAT * Full Advice Service – £9,500 + VAT (review of one pension scheme; additional £2,000 per scheme for multiple schemes) TPO Direct Service – Smaller Portfolios (<£250,000) For clients starting their savings journey or with modest investment portfolios, fees are charged at 1% of the capital invested. This service uses technology to efficiently deliver aspects of financial planning while still providing advice from a qualified financial adviser. Ongoing Service Fees Ongoing fees for continued support, reviews, and updates to your plan are agreed separately, depending on your individual needs and service level.

Areas Served

United Kingdom nationwide, Willing to travel to meet clients up to 30 miles from EC4V.

Frequently Asked Questions