Personal Financial Solutions to guide every stage of life
Clarity and support for every stage of your financial journey
At Cohesion, we offer a full range of Personal Financial Solutions to help you plan, save, invest and protect what matters most. Whether you’re focusing on a single priority or managing several goals at once, our solutions are designed to bring clarity, confidence and control to your financial world.
You can explore support through our three service tiers – Core, Wealth and Tailored – each designed to meet different needs and levels of complexity. And if you’re considering working with us, here’s a quick way to explore our fees and how we guide you through your journey.
Our Fees How We Work
Introducing our solutions
Whether you’re focusing on a single priority or managing multiple objectives, our solutions show how we can support you now and in the future.
Cohesion Core
A solid foundation for your financial future
Core provides a comprehensive foundation, covering the essential elements of your financial life and giving you clarity and confidence. From reviewing pensions and starting investments to putting basic protection in place, Core ensures you have a clear understanding of your financial position through cashflow modelling and outline the steps to take to meet your goals. It’s ideal for anyone looking to establish a strong financial footing, whether you have one main priority or looking to provide a solid foundation in a number of areas.
Cohesion Wealth
Comprehensive planning for evolving priorities
Wealth builds on Core by addressing multiple priorities together, helping you manage day-to-day finances while planning for life events. It covers saving for children, ensuring family protection, and aligning pensions with your goals. Wealth is for clients who want a more holistic view of their finances and a plan that adapts as life changes.
Cohesion Tailored
Bespoke planning for more complex objectives
Tailored is for clients with objectives, or those requiring more complex, specialist advice. This could be intergenerational wealth planning involving the creation of trusts, or specialist investments to help manage tax liabilities. Tailored ensures every aspect of your financial life is considered and coordinated, providing reassurance and clarity even in more complex situations.
The solutions we deliver
Whether you’re focusing on a single priority or managing multiple objectives, our solutions show how we can support you now and in the future.
These are the core areas where our financial planning expertise can make a difference in your life:
Pensions & Retirement Planning
Plan ahead and understand your options for retirement income and pensions. We help you map out a strategy that fits your life today and for the future. From reviewing existing pension arrangements to setting new contributions and exploring retirement income options, we guide you through decisions with clarity and confidence.
Responsible Investing
Invest in line with your values. We explore ethical and sustainable investment opportunities, helping you make choices that reflect your principles while achieving long-term financial goals. Our approach balances growth, risk, and positive impact.
Financial Planning
Structured guidance to help you understand, organise, and optimise your financial life. From reviewing pensions and retirement plans to managing investments, protection, and intergenerational wealth, we provide clarity and confidence through cashflow modelling to make informed decisions and move forward with your financial goals.
Intergenerational Wealth Planning
Support your family today and tomorrow, from gifting, to trusts and legacy planning. We can help structure your wealth to provide for future generations while considering tax efficiency, legal safeguards, and your long-term objectives.
Protection
Safeguard your income, life, and assets to protect what matters most. We help you plan for the unexpected with solutions including life insurance, critical illness and income protection, providing peace of mind for you and your loved ones. For more detail on our protection solutions, visit our dedicated Mortgages & Protection page.
Wills, Trusts & LPAs
Ensure your wishes are carried out and you and your family are secure with Wills, Trusts, and Lasting Powers of Attorney. While this page gives an overview, our dedicated page provides more detail on each service and how they can support your wider financial planning goals.
Please note that the Financial Conduct Authority (FCA) does not regulate some aspects of cash flow, estate or tax planning or trust advice.
The value of investments and pensions and any income from them can fall as well as rise. You may not get back the full amount invested.
Cover will cease on insurance products if premium payments are not maintained.
Clarity and transparency at every step
Find out how we work with you to bring clarity and confidence to your financial world
A step-by-step process tailored to your goals.
Transparent fees with no surprises
Clear answers to common financial planning questions
Ready to plan your financial future?
Speak to us, with no obligation, to discuss your priorities and how we can help. Whether focusing on a single goal or taking a holistic approach, Cohesion guides you every step of the way.
Start your journeyOur commitments
We believe great financial advice is built on trust, transparency, and doing the right thing, every time. That’s why we align ourselves with respected charters and organisations that hold us to the highest standards of care, ethics, and client protection.
These commitments shape how we work, how we make decisions and how we support the people and communities we serve.
