We are a multi-award winning boutique Chartered Financial Planning firm providing independent financial advice to a select group of private clients and companies based in Sussex and the surrounding counties. We help individuals, families and businesses to make intelligent and wise financial decisions by delivering honest, sound and sensible financial advice. We work with you to develop a personalised financial plan that focuses on the things you can control so that you can stop worrying about the stuff that you can’t.
We specialise in investment advice, retirement centric financial planning and lifetime cash flow planning, which enables us to explain complex financial issues and concepts, in a simple, engaging and illuminating way.
We operate multiple investment platforms and regularly advise on tax-efficient wealth accumulation and withdrawal. We regularly provide clients with planning solutions that address the new pension freedoms, annual and lifetime allowance issues, and the use of pension input periods during their accumulation phase. We advise on Flexi-Access Drawdown (FAD) and Uncrystallised Funds Pension Lump Sums (UFPLS) for those clients arriving at or already in their decumulation phase.
When we invest your money, we help you to understand the principles of investing which we believe to include working with markets, understanding risk and return, broadly diversifying and focusing on elements within the investor’s control, including portfolio structure, fees, taxes, and discipline. Our approach to investment is based on the best available evidence we can find. This means we are continually heeding robust studies that have been well-supported by meticulously structured, replicated and repeated academic inquiry. It means we favour practical applications that have been thoroughly road-tested, with historical track records spanning decades of multiple market climates. To help you stay on course toward your financial goals, we offer the compass of a solid investment strategy based on three key points. First, we have a strategy. Second, it’s a strategy based on reason and evidence guided by the durable science of capital markets. Third, it’s grounded in our fiduciary obligation to serve our clients’ highest financial interests. In summary, our approach to investing uses the evidence available and Nobel Prize winning theory to deliver better investment outcomes.
For companies, we advise on all aspects of group personal pension schemes including auto enrolment, contract-based pension schemes and master trust based schemes. We have successfully staged a number of schemes for auto enrolment. We also provide advice on group risk. key person assurance and shareholder protection.
We offer a range of services for private clients:
- Retirement Planning
- Executives and Professionals Financial Planning
- Divorce and Bereavement Financial Planning
- Business Owner Financial Planning
Safe, Trusted and Experienced Independent Financial Advisers
We are a Chartered Insurance Institute (CII) approved firm of Chartered Financial Planners. The corporate Chartered title demonstrates our ongoing commitment to an overall standard of excellence and professionalism, and evidence of that commitment to our clients, partners and employees. Also, all our processes and procedures are regularly reviewed and are calibrated against the most recent FCA guidance. This ensures that we succeed in consistently creating the most positive outcomes for all our clients.
Tracey Evans APFS, Chartered Financial Planner, CFPCM, RLP®
Tracey Evans APFS, Chartered Financial Planner, CFPCM is our firm Principle, Independent Financial Adviser and business owner. Tracey is a Certified Financial Planner professional. Tracey is also a Chartered Financial Planner and an Associate of the Personal Finance Society.
Derek Evans DipFA®
Derek Evans DipFA® is also a business owner and Independent Financial Adviser.
Find out more about the Juno Wealth Management Team here.
Your Advice Journey
We follow a structured process which we use to help you plan and manage your finances throughout your lifetime. Our approach delivers a consistent experience for our clients and it ensures total clarity and transparency in respect of the regulated advice we give.
We offer our clients the following types of advice categories:
- Full financial planning – A review of your entire financial affairs. It is essential that we develop as detailed an understanding as possible of your circumstances and objectives to provide this category of advice.
- Focused or Limited advice – A specific review focusing on part of your financial situation to address a specific need e.g. a pension transfer or advice on investing a particular amount of money.
It is important to review investments on an ongoing basis to ensure that they remain suitable for your purposes and take account of your circumstances, which will evolve over the years. Through regular reviews we develop our planning strategies to take into account your changing circumstances and objectives as well as developments in economic conditions, legislation, taxation, new ideas and financial products. This is a vital part of your financial plan – getting together on a regular basis to ensure that you remain on track to achieve your financial goals and objectives.
Your Investments are Professionally Managed
In pursuit of this goal, our investment process strives to reach new levels of excellence in our industry. The foundations of our approach are a desire to make the best possible decisions for our clients, implement them in the most efficient manner and to keep things as simple as possible. To this end, our core investment philosophy is founded upon our evidence-based understanding of markets and investing. We manage investments in a sensible, low-cost manner to try to achieve the best market return possible. Our approach is based on academic research, experience and independent studies. Of course, risk profiling, asset allocation, portfolio rebalancing and behavioural coaching are also important aspects of our investment process that help you experience better investment outcomes.
Our wealth management services often change the lives of clients who choose to work with us.
Most of our clients live or work in the Sussex, but we also have a fair number of clients throughout the South East. We primarily cover Sussex, Surrey and Kent with a particular focus on Haywards Heath, Burgess Hill, Cuckfield, Uckfield, Crawley, Horley, Reigate, Redhill, Billingshurst, Horsham, Worthing, Hove, Brighton and Lewes and the surrounding villages.
Don’t hesitate to contact us to arrange a first informal meeting at no charge. Look upon it as an ideal opportunity to present us with your burning financial questions and to understand how we can work with you.