About Us

What We Do

How We Work

About Us

What We Do

How We Work

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How We Work

How We Work

Your Path to Financial Confidence

Becoming a client is simple, transparent, and entirely focused on your needs. We take the time to get to know you, understand your goals, and build a plan that gives you clarity and control over your financial future.

Here’s what you can expect:
Step 1
Introductory Call – 20 Minutes
A friendly, no-obligation phone call to understand your situation and explain how we can help.
Step 2
Discovery Meeting – Our Treat
A relaxed, in-depth meeting (in person or virtual) where we explore your goals, priorities, and current financial position. There's no charge for this meeting.
Step 3
Financial Review & Personalised Report
We analyse your financial position and provide a clear, tailored report outlining your options and our recommendations
Step 4
Implementation
Once you’re happy with the plan, we’ll put it into action—handling all the details and keeping you informed at every step.
Step 4
Ongoing Review & Support
Life changes, and so should your plan. We provide regular reviews and updates to ensure your strategy stays on track.
Families
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Planning for Life with Confidence

At the heart of our advice is something called cash flow modelling—a smart way of looking at your finances today and into the future. It helps answer big questions like:
  • When can I afford to retire?
  • Will I have enough to do the things I want in life?
  • What happens if my circumstances change?
We use this powerful tool to build a personalised financial plan that’s based on your goals, not guesswork. It gives you a clear picture of where you stand now, and where you’re heading.

But we don’t just set it and forget it. We review your plan together every year, adjusting it as life unfolds—so whether your goals shift or the market moves, your plan stays on track. It’s all about helping you make informed decisions, enjoy peace of mind, and live the retirement you’ve worked so hard for.
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Our Investment Philosophy

Our investment approach is built on a foundation of simplicity, cost-efficiency, and long-term value. We believe that over time, equities tend to outperform cash, and that diversification is key to managing risk and building resilient portfolios.

As independent financial advisers, we have access to the whole market, allowing us to tailor investment solutions to suit each client’s unique goals, needs, and circumstances. We also make full use of tax-efficient wrappers, such as ISAs and pensions, to help maximise returns and reduce unnecessary tax liability.

To avoid bias and ensure objectivity, we outsource investment decision-making to carefully selected experts. This gives our clients access to robust, evidence-based strategies focused on long-term performance.

All portfolios are kept under regular review to ensure they remain aligned with your financial goals, adapting where necessary as your needs or market conditions evolve. Our aim is to provide clarity, confidence, and peace of mind at every stage of your investment journey.
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How We Get Paid

Our Fees – Clear, Fair, and Transparent

We believe in being upfront about our fees so you always know what to expect. Our pricing reflects the value of personalised, expert advice tailored to your unique circumstances

Initial Consultation – Free of Charge

Financial Planning Fee

A one-off fee of £2,000 for your personalised financial plan. This covers a full review of your financial situation and our expert recommendations.

This fee may vary depending on the complexity of your needs. Different fees apply for DB transfer advice (details available on request).
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Implementation Fee

1.00% on the first £500,000
0.50% on the next £500,000
0.20% on any amount above £1 million

Example:

An investment of £750,000 would incur a fee of:
  • £500,000 x 1.0% = £5,000
  • £250,000 x 0.5% = £1,250
  • Total = £6,250

This fee can be deducted from your investment or paid direct.

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Ongoing Advice Fee

0.65% per year of the funds under our advice, covering regular reviews, ongoing support, and updates to your plan.

Example:

An investment of £750,000 would incur an annual fee of:
£750,000 x 0.65% = £4,875
This fee can be deducted from your investment or paid direct.

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We do not currently charge VAT on our fees.

Exclusive Client Events

We believe that financial confidence grows through connection and education—and what better way to do that than over good food and great company? Throughout the year, we host exclusive client lunches in partnership with leading professionals such as fund managers and estate practitioners. These relaxed, informative gatherings are a chance for our clients to stay informed on key financial topics while enjoying a delicious lunch in a welcoming setting.


In the autumn, we host our flagship annual Client Symposium—a full day of insightful presentations from expert guest speakers, complemented by refreshments and the opportunity to engage with fellow clients. A limited number of spaces are available for guests, so clients can share the experience with a friend or loved one.


We’d love to see you at our next event.

Our Ongoing Advice Service

Support, Guidance, and a Relationship That Grows with You

Financial planning isn’t a one-off exercise—it’s a lifelong journey. Our ongoing advice service ensures your plan stays aligned with your goals, adapting as your life evolves.

When you become a client, you gain access to a comprehensive service designed to give you peace of mind, clarity, and consistent support throughout the year
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Access to Expert Advice Year-Round
Have a question or life event? We're just a call or email away—whenever you need us.
Annual Financial Planning Meeting
A dedicated in-depth review of your financial progress, ensuring you remain on track to meet your goals.
Quarterly Client Newsletter
Stay informed with regular updates on financial markets, planning tips, and key insights relevant to your strategy.
Client Lunches (with two guest passes)
Enjoy exclusive lunches hosted throughout the year—relaxed, informative, and a chance to connect with fellow clients and our team.
Annual Client Symposium (plus two guest passes)
Join us for an engaging annual event featuring expert speakers, market updates, and future outlooks—designed to educate and inspire.

Join Our Newsletter

Stay in the loop with the latest updates, tips, and exclusive offers!

SRC Wealth Management specialises in providing independent financial planning advice to people that are approaching retirement (or have already retired).

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Disclaimer

Registered in England No. 539976 Registered address: Matrix House, 12-16 Lionel Road, Canvey Island, Essex, SS8 9DE. SRC Wealth Management is a trading name of SRC Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority, FCA registration No. 430562 at www.fca.org.uk. The Financial Conduct Authority does not regulate taxation and trust advice.

Privacy Policy

The purpose of this Notice

When we provide our services to you, we will collect personal information about you [and others] and we want to be open and transparent with you as to the types of information we collect about you, why we collect it, how we use it and who we may share it with.

The data controller of your personal information is SRC Financial Services Limited, a limited liability company registered at Matrix House, 12-16 Lionel Way, Canvey Island, Essex, SS8 9DE with company number 5399764.

If you have any questions or concerns about our use of your personal information, then please contact us using the contact details provided at the bottom of this Notice in the ‘How to contact us’ section.

What type of personal information will be processed and why?

We may ask you to provide personal information by filling in hard copy forms and documents or by corresponding with us by phone, e-mail, letter or otherwise or during the course of our meetings with you.

Types of personal informationWhy we collect it
Identity details including your name and date of birth. We may ask for copies of identity documents in which case, we may collect details including your place of birth and residential address.
  • To carry out money laundering and financial checks and for fraud and crime prevention and detection purposes.
  • We will only ever use copies of identity documents for this purpose.
  • We collect and process this personal information in order to comply with our legal and regulatory requirements.
Your contact details including your name, postal, phone and email address(es) and other personal details about you including your title, job title, marital status and date of birth.
  • To contact you in order for us to manage, administer and provide our services to you.
  • To respond to any correspondence and service-related enquiries you send to us in respect of our services.
  • To discuss products or services for which you apply or may be interested in applying for.
  • To manage any applications you make for products or services.
  • To communicate any updates to you including any changes to our services, the terms and conditions of any services which we have provided to you, any changes to this Notice and to our websites.
  • To contact you in order to receive your feedback on our services and to participate in related surveys.
Financial information relating to you, including pension contributions and current value, salary, bank account balances, credit card balances details of investments and payment card details.
  • To evaluate your eligibility for products, including making credit searches with credit reference agencies and fraud searches with fraud prevention agencies.
  • To enable us to advise you on your financial circumstances and the appropriateness of specific courses of action and products.
  • We collect and process this personal information for our legitimate business interests.
  • To enable you to make payments for our services.
  • We collect and process this personal information as is necessary for the entry into and performance of any agreements between us (i.e. to assess whether you are eligible for products, and once an agreement has been entered into between you and us, so that we can collect payments from your payment card).
Details of your dependents (name, address and date of birth)
  • To enable us to provide you with services that you have requested that would involve, or have an impact on, your dependents (who may be adults or minors).Where those dependents are adults, please make sure that you have their permission to provide us with their personal information.

Details of contact that we have had with you such as meetings with you, fact-finding discussions and documentation, recommendations, referrals and quotes.

Details of services you have received.

  • To allow us to provide a professional service to you and to contact you with information about other services of ours that we think you may be interested in).
  • We collect and process this personal information for our legitimate business interests.

Client experience and other feedback and information you provide to us.

Information about complaints and incidents.

Recordings of calls we receive or make.

  • To review your feedback and experience with us so that we can improve our products and services for you and for our other clients.
  • We collect and process this personal information for our legitimate business interests (and we record calls both for quality and training purposes and to comply with our legal and regulatory obligations).
  • Please see section below entitled “When we record communications” for more information.
All of the personal information described above.
  • We may disclose your personal information to third parties where we are required to do so to comply with applicable laws and regulatory requirements including in circumstances where we are required to do so by a court Order, regulatory authority or any other third party with the lawful right to request and receive the personal information we hold about you (including law enforcement agencies and tax authorities).
  • We may also use your personal information where it is necessary for us to take legal advice in order to establish our legal rights, to bring a claim against you or any related parties or to defend a claim from you or any related parties.
  • We collect and process this personal information for our legitimate business interests including to carry out our own internal business planning, compliance, training, audit and quality assurance purposes.

Depending upon the types of products and services you require, we may also need to collect information from and about you which the law considers to be sensitive, such as data about your physical or mental health, which we refer to as “special category personal data”. The special category personal data that we may ask you to provide, and the reasons why we ask you to provide it, are as follows:

Types of special category personal dataWhy we collect it
Information about your physical or mental health or condition.Certain products and services that you request may require this information. Specifically, in order for us to advise you on and to submit applications for health or life insurance products and services, we will need to collect information relating to your physical and mental health in order to obtain accurate quotes and to advise on the suitability of products (as insurance premiums and eligibility for products will in part depend on your physical and mental health). We will usually collect this information in the course of meetings with you, on specific questionnaires or in the process of completing an application form for such products and services.
Information about your sex life or sexual orientation.Some providers may ask for this information in the course of your application for their products or services. We will never ask for this information for our own purposes.
Information about your racial or ethnic originSome providers may ask for this information in the course of your application for their products or services. We will never ask for this information for our own purposes.

We will only process the special category personal data listed above with your explicit consent. We ask for your consent to the processing of this data at the end of this Notice. You may choose not to provide us with this consent. However, please note that if you do not provide us with your consent to collect and process the information listed in the table above:

  • we may not be able to advise you fully in respect of certain products and services which require this information (in particular those relating to health or life insurance).;
  • your application may be rejected by the providers of products and services which require this information; or
  • the quotes for such products and services may be higher than would be the case if this information were provided.

In some circumstances, we may receive information about you from third parties. In particular, we will receive information about you from Credit Reference Agencies and Fraud Prevention Agencies. This may include details of the products and services you have applied for, those lenders, finance and credit organisations with whom you have (and have had) an agreement with, the amounts advanced, the amount and frequency of repayments and whether you have made your repayments on time and in full.This will help us make the best possible assessment of your financial situation before we decide whether we can provide you with our services and/or recommend any specific products and services.It is in our legitimate interests to process your personal information for this purpose. We may also ask you to provide Letters of Authority to allow us to receive information about you from providers.

When we record communications

We, and persons acting on our behalf, may record and/or monitor communications (including telephone conversations over landlines and mobile phones, emails, instant messaging, chat rooms, fax and other electronic communications) between our staff and you. We only record communications between us in order to comply with our legal and regulatory requirements – as a regulated financial adviser, the law requires us to record these communications.

We may also record and/or monitor communications for training and quality assurance purposes but will always ask for your consent before recording communications for these purposes. If you choose not to provide your consent in these circumstances, we will still be entitled to record and/or monitor communications if we are under a legal obligation to do so (but will only be able to use the recordings for those purposes).

Who might my personal information be shared with?

We may disclose your personal information to the following categories of recipients:

    • to providers of financial services, insurance and investment products and services in respect of whom you request us to submit applications on your behalf and to receive updates from such providers in order for us to provide our services to you throughout the lifetime of our relationship with you;
    • to our suppliers and partners in order for them to help us provide our services to you, this includes:
      • our IT systems providers to assist us with providing you with an efficient, modern and professional service;
      • our suppliers of audit and regulatory compliance support services who may review our records containing your personal information in order to audit and report to us on our compliance with applicable laws and regulatory requirements;
      • our accountants, solicitors, insurer(s) and insurance broker(s) and any other provider of professional services to us;
      • housing associations or other property companies that have contracted our services to provide affordability assessments.
    • to Credit Reference Agencies and Fraud Prevention Agencies to help us make the best possible assessment of your financial situation before we decide whether we can provide you with services. We are also required to provide information to such agencies so that they can update the information which they hold about you and which they may share with other organisations;
    • to other financial institutions or regulatory bodies with whom information is shared for money laundering checks, credit risk reduction and other fraud and crime prevention purposes;
    • to a prospective buyer (and its agents and advisers) in the event we intend to sell any part of our business or its assets or if substantially all of our assets are acquired by a third party, in which case your personal information could form part of one of the assets we sell, provided that we inform the buyer it must use your personal information only for the purposes described in this Notice. We will never rent or sell your personal information other than as part of a sale of our business;
    • to any national and/or international regulatory, enforcement body, government agency or court where we believe disclosure is necessary
    • (i)as a matter of applicable law or regulation (including where we are required by law to provide information to organisations such as HMRC),

(ii)to exercise, establish or defend our legal rights, or

(iii)to protect your vital interests of those of any other person; and

  • to any other person with your consent to the disclosure or where we are permitted to do so by law.

Our legal basis for processing personal information

Our legal basis for collecting and using your personal information will depend on the personal information concerned and the specific context in which we collect it.In respect of the personal information and the purposes for which we may process your personal information which are set out in this Notice, we have confirmed the legal basis upon which we collect and process your personal information in the ‘What type of personal information will be processed and why?’ section above. 

If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you or with your explicit consent, we will make this clear at the relevant time and advise you whether the provision of your personal information is mandatory or not (as well as of the possible consequences if you do not provide your personal information).

Similarly, if we collect and use your personal information in reliance on our legitimate interests (or those of any third party), we will make clear to you at the relevant time what those legitimate interests are.

If you have questions about or need further information concerning the legal basis on which we collect and use your personal information, please contact us using the contact details provided under the “How to contact us” heading below.

International Data Transfers

Your personal information may be transferred to, and processed in, countries other than the country in which you are resident.These countries may have data protection laws that are different to the laws of your country (and, in some cases, may not be as protective). Specifically, our servers are located in the UK.

Your data protection rights

You have the following data protection rights:

If you wish to access, correct, update or request deletion of your personal information, you can do so at any time by contacting us using the contact details provided under the “How to contact us” heading below;

In addition, you can object to processing of your personal information, ask us to restrict processing of your personal information or request portability of your personal information. Again, you can exercise these rights by contacting us using the contact details provided under the “How to contact us” heading below.

You have the right to opt-out of marketing communications we send you at any time.You can exercise this right by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you. To opt-out of other forms of marketing (such as postal marketing or telemarketing), then please contact us using the contact details provided under the “How to contact us” heading below.

Similarly, if we have collected and process your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent. For specific information about our processing of your sensitive category personal data with your consent, please see the “Your consent to us processing your special category personal data” heading below.

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws.

Data retention

We retain personal information we collect from you where we have an ongoing legitimate need to do so, for example:

  • to provide you with a product or service you have requested us to provide,
  • to perform our contractual obligations to you;
  • to comply with applicable legal, tax or accounting requirements;
  • to defend or manage any claims or complaints between us, you and any relevant third party including taking legal advice in respect of such claims in order to establish, exercise or defend our legal rights or such claims.This would include complaints and claims which you may bring against us or which are submitted to a court, regulatory authority or ombudsman.

When we have no ongoing legitimate need to process your personal information, we will either delete or anonymise it or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

Updates to this Notice

We may change or update this Notice in order to maintain our compliance with applicable law and regulation or following an update to our internal practices. When we update our Notice, we will take appropriate measures to inform you, consistent with the significance of the changes we make.

How to contact us

If you would like to contact us in relation to this Notice or if you have any other questions in respect of our processing of your personal information, please contact the Data Protection Officer at SRC Financial Services Limited, 4 Lords Court, Basildon, Essex, SS13 1SS; email: info@srcwealthmanagement.co.uk tel. 01268 280096.

Managing Cookies

Cookies help us identify your device, performance of typical actions on this website or when you are logged in to specific secure zones. We use strictly necessary and functional cookies to enable you to move around the site and to provide basic features. Tracking and performance cookies are used to provide a better overall user experience. Below are the type of cookies present on our website:

1. Strictly necessary cookies

Some cookies are strictly necessary in enabling you to move around this website and use its most basic features. Without these cookies, for example, you would not be able to login to secure zones or keep track of your online shopping cart.
These cookies can’t be disabled.

2. Tracking and other optional cookies

We use performance and tracking cookies internally to enable us to provide you with a better user experience. Information supplied by these cookies helps us understand how our visitors behave on this website, track unique visitors or time spent on the site, and on different web pages so that we can improve how we present content to you.
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