Lawrence Bearman
Financial Advisor
Profile Summary
I work with millennials (age 30–45) earning over £250k who want to create financial independence for themselves and their families. My clients are high earners who are time-poor and want a clear, structured approach to growing, protecting, and optimising their wealth. Typically, they are looking to: Reduce unnecessary tax exposure and implement tax-efficient strategies beyond ISAs and pensions. Set clear financial milestones with a cash flow plan to track progress and achieve their goals. Save time and gain peace of mind by having a trusted financial partner handle the complexities of their finances. I work with over 50 high-earning families, helping them implement a “New-Era Financial Plan” tailored to their unique situation, uncover hidden gaps, and accelerate their journey toward financial independence.
Who Lawrence Bearman Works With
I work with high-earning millennials, typically aged 30–45, who want to create financial independence for themselves and their families. My clients often earn £250k+ per year and include professionals, entrepreneurs, and business owners who: Want to reduce unnecessary tax exposure and implement efficient wealth-building strategies beyond standard ISAs and pensions. Need a clear financial roadmap with actionable milestones to achieve short- and long-term goals. Don’t have the time to manage the complexity of their finances on a consistent basis. Are looking for a trusted, relationship-based financial partner who can simplify planning and provide clarity on their path to financial independence. I focus on helping these clients maximise growth, minimise risk, and gain peace of mind knowing their finances are structured effectively for today and tomorrow.
Investment Philosophy & Approach
I take a personalised, goal-driven approach to wealth management. Every financial plan starts with a deep understanding of your current situation, long-term objectives, and risk tolerance. I believe in: Clarity first: Your plan should provide a clear roadmap of where you are today and where you want to go. Tax-efficient growth: Making sure your investments are structured to maximise growth and minimise unnecessary tax leakage. Diversification and risk management: A well-diversified portfolio tailored to your circumstances, balancing growth potential with risk control. Actionable and ongoing planning: Financial independence is a journey, not a one-off task. I continuously review and optimise your plan to keep you on track.
Qualifications & Professional Memberships
- LIBF - Level 6 Advanced Diploma in Financial Advice (Adv DipFA)
- LIBF - Level 4 Diploma for Financial Advisers (DipFA)
Fees & Charging Structure
If you have investable assets of £100,000, my typical fee structure would be as follows: Initial financial planning fee: £1,500 Investment implementation fee: 1.5% of the investment amount Ongoing advice fee: 0.75% of the investment per year All fees are agreed with you upfront and only applied with your consent. Payment can be arranged in the most tax-efficient way, often deducted directly from your investment portfolio for convenience.
Areas Served
Willing to travel to meet clients up to 80 miles from EC4A 2EA.
Frequently Asked Questions
Q: Who do you work with?
I work with high-earning millennials and their families, typically earning over £250k per year, who want to create financial independence and take control of their financial future.
Q: How can you help me achieve financial independence faster?
I help identify and address the three key hurdles high earners face: tax inefficiency, lack of cash flow clarity, and insufficient time to manage finances. By implementing a tailored financial roadmap, we can accelerate your progress toward your goals.
Q: What is a New-Era Financial Plan?
It’s a personalised, actionable financial plan that provides clarity on your current situation, sets clear milestones, highlights hidden gaps, and gives a roadmap to achieving your family’s ambitions.
Q: How do your fees work?
Fees vary depending on the complexity of your situation and the services you require. All fees are agreed upfront and in a transparent manner. For a discovery call, there’s no obligation to commit to anything.
Q: How can I get started?
You can book a free, no-obligation discovery call to discuss your situation. Even if you choose not to work with me, you’ll leave with actionable insights that can help improve your financial plan immediately.
Q: Do you offer ongoing support?
Yes. Financial independence is an ongoing journey, so I provide continuous review and optimisation to ensure your plan adapts as your circumstances and goals evolve.