Ed Peach
Financial Advisor
Profile Summary
I am an Independent Financial Adviser at Niche Private Clients, a multi-award-winning firm of Chartered Financial Planners offering a fixed fee approach. My goal is to help clients identify, achieve, and maintain their desired lifestyle through tailored financial planning. I provide advice and solutions in the following areas: Fixed-fee financial planning, wealth management, and retirement advice Private client services, working with solicitors and their clients (Trustees / Deputies / Attorneys) Ethical investing Corporate investments and business exit planning Inheritance tax planning Protection and insurance solutions Mortgages and equity release
Investment & Financial Services Offered
Investments and Savings
Get help to potentially generate a better return on your savings, with a full range of investment options which could include equities, funds and bonds.
Pensions
Get help on making a plan for a comfortable retirement; whether it's starting a pension or understanding how much you should be contributing to one.
Retirement income (annuities, drawdown)
Get help understanding and evaluating annuities vs. drawdown, or discussing the other available retirement income options for you.
Pension Transfers - Non Specialist
Get advice on transferring pensions where you do not need a specialist, for example a standard personal pension or one through your employer that is made up ONLY of regular contributions from you and your employer (this should not be a defined benefit pension)
Inheritance Planning
Get help with planning your inheritance and understanding the tax implications of an inheritance you leave, or accessing an inheritance you have received.
Equity Release
Get help with understanding your options for releasing equity from your home. Understand the main options, the costs associated and the long term implications of each option. Equity release will reduce the value of your estate and could affect eligibility to means tested benefits. Your adviser should be able to assess and explain this to you.
Insurance and Protection
Get help to understand the best level of life cover, critical illness cover and income protection for you.
Auto Enrolment
Get help with setting up auto enrolment as an employer, or understand any auto enrolment scheme you are signed up to as an employee.
Long Term Care
Get help with understanding the options you have to fund yours or a loved one's long term care.
Who Ed Peach Works With
I work with clients who are looking for clarity, confidence, and control over their financial future. This includes: High-net-worth individuals and families seeking comprehensive wealth management Business owners planning for growth, succession, or exit strategies Trustees, deputies, and attorneys requiring private client financial guidance Clients interested in ethical or socially responsible investing Those approaching or in retirement who want a structured plan for income, protection, and legacy My clients value a relationship-based approach rather than one-off advice, and appreciate a clear, fixed-fee structure with no hidden costs.
Investment Philosophy & Approach
My approach to investing is tailored, disciplined, and long-term: Investments are designed around your goals, risk tolerance, and time horizon, not the latest market trend. I advocate diversification across asset classes to help manage risk while seeking growth. I integrate ethical or socially responsible investments if aligned with your values. Portfolios are regularly reviewed to ensure they remain aligned with your objectives and life changes. I focus on transparency and simplicity, cutting through the jargon to ensure you understand your investments and the rationale behind them.
Qualifications & Professional Memberships
- CISI - Level 6 Certificate in Private Client Investment Advice & Management
- CII - Certificate in Equity Release
- CII Level 4 Diploma in Regulated Financial Planning
- CII AF5 Financial Planning Process
- CII - Certificate Member of the Society of Mortgage Professionals
Fees & Charging Structure
For clients with investable assets of £250,000, typical fees are: Initial Financial Planning Fee: £2,500 – for developing a personalised financial plan. Initial Investment Fee: £7,500 – applied to the amount invested through Ed’s advice. Ongoing Investment Fee: £2,500 per year – for regular portfolio reviews, monitoring, and adjustments. All fees are agreed upfront and tailored to your individual circumstances. Payment can usually be made directly from your investment portfolio, making it convenient and tax-efficient.
Areas Served
Willing to travel to meet clients up to 80 miles from WC2A 1QS.
Frequently Asked Questions
How are your fees structured?
Fees are based on your individual circumstances and the level of service you require. Typical fees for investable assets of £250,000 are: £2,500 initial financial planning, £7,500 initial investment, and £2,500 ongoing annual fees. All fees are agreed upfront.
Can I pay fees from my investment?
Yes, fees can usually be deducted directly from your investment portfolio, providing convenience and potential tax efficiency.
Are the fees fixed or flexible?
While we provide typical fee examples, all fees are tailored to your situation and agreed with you before any work begins.
Do you receive commissions from investment products?
No. Since 2012, independent advisers cannot receive commissions from investment providers. You pay directly for advice and implementation.
How often will my investments be reviewed?
Your portfolio is reviewed regularly, with ongoing advice provided to ensure it remains aligned with your goals.