Freddie Fitton

Profile Summary

I am a Financial Adviser at The Private Office, based in London. As a qualified adviser, my focus is on creating clear, structured financial plans that allow clients to enjoy the lifestyle they want—without the day-to-day worry of managing their finances. I use cashflow modelling software to help clients visualise how their finances may evolve over time, providing clarity around future outcomes and helping identify practical actions that can be taken today. Since entering financial planning in 2018, I have been committed to building strong, long-term client relationships. I support clients across a wide range of objectives, including wealth accumulation, retirement planning, and financial protection, such as income protection, to ensure they and their loved ones are properly safeguarded. I am currently working towards Chartered Financial Planner accreditation. Prior to my career in financial planning, I studied Human Geography at Newcastle University, which helped shape my analytical and people-focused approach to advice.

Investment & Financial Services Offered

Who Freddie Fitton Works With

I work with individuals and families who value clarity, structure, and long-term financial planning. My clients typically include: Professionals and executives looking to build wealth efficiently while balancing busy careers. Individuals planning for retirement who want confidence that their future lifestyle is secure and sustainable. Clients in the accumulation phase seeking structured savings and investment strategies to grow their wealth. Families and individuals who want the right financial protection in place to safeguard their income and loved ones. Those who appreciate forward planning, using cashflow modelling to understand their financial future and make informed decisions today. I aim to build long-term relationships with my clients, providing ongoing advice that adapts as their lives, priorities, and financial goals evolve.

Investment Philosophy & Approach

My investment philosophy is built around long-term planning, suitability, and clarity. I believe investments should always support a wider financial plan, rather than exist in isolation. Every recommendation is made with a clear understanding of a client’s goals, time horizon, and attitude to risk. I use cashflow modelling to understand how investments fit into a client’s overall financial picture, helping to ensure that decisions made today support both current priorities and future lifestyle objectives. Diversification and risk management are central to my approach. By spreading investments appropriately and reviewing them regularly, I aim to balance growth opportunities with sensible risk control. Above all, I focus on clear communication—explaining investment strategies in straightforward terms so clients feel informed, confident, and in control of their financial decisions at every stage of their journey.

Qualifications & Professional Memberships

• CII Level 4 Certificate in Discretionary Investment Management
• CII DipPFS
• CII - Level 4 Diploma in Financial Planning

Fees & Charging Structure

All fees are discussed and agreed with you before any work begins. Transparency is central to my approach, and I will always confirm fees in clear monetary terms so you know exactly what to expect. Through The Private Office Premium service, fees are charged on a fixed-fee basis, reflecting your individual planning needs and the complexity of the work involved. Planning & Advice Services Cashflow Planning Initial cashflow analysis of your current position: £500 Detailed cashflow forecasting (including multiple scenarios): from £2,125 Core Financial Planning Cash to investments and pensions: from £2,300 Investment and defined contribution pension review and advice: from £4,425 Protection Planning Protection planning services: from £500 These services are typically settled by commission paid by the recommended provider. The exact amount received will depend on the planning needs identified and product complexity. Specialist Financial Planning Alternative investing for tax planning and diversification: from £2,875 + VAT Estate planning (Stage 1): from £2,875 + VAT Equity release advice: £5,000 to £30,000, depending on complexity Lump Sum Allowance assessment: from £1,500, depending on time and complexity Defined Benefit Pension Advice Abridged advice service: £995 + VAT Full advice service: £9,500 + VAT (Includes review of one pension scheme; additional schemes are charged at £2,000 + VAT per scheme) Ongoing Advice Ongoing service fees are agreed separately, based on the level of support required and the complexity of your ongoing financial planning needs. TPO Direct Service For individuals at an earlier stage of their savings journey, or with a more modest investment portfolio (typically under £250,000), planning may be provided via the TPO Direct service. This service is delivered by a qualified financial adviser and uses technology to improve efficiency. Fees are charged at 1% of the capital invested, as a fixed-fee structure may not represent fair value at this level. If you require advice not listed above, I am happy to discuss your needs and agree a bespoke fee arrangement.

Areas Served

Fleet-Street, UK

Frequently Asked Questions