atomos

What atomos does

Atomos is a UK-based private wealth management firm providing integrated financial planning and investment management services to high-net-worth individuals, families, charities, business owners, and independent financial advisers. Operating as the trading name of Atomos Financial Planning Limited (FCA No: 193503) and Atomos Investments Limited (FCA No: 122588), the firm traces its UK heritage to 1996 under the Sanlam Wealth brand, rebranding to atomos in 2022. It runs a sales-led, hybrid distribution model combining 14 regional offices (London headquarters, plus Bristol, Brighton, Chester, Fareham, Harrogate, Lymington, Manchester, Marlow, Newcastle, Nottingham, Plymouth, and Tunbridge Wells) with channel partnerships targeting IFAs, solicitors, and accountants.

The firm's product suite spans tailored financial planning (retirement, estate, tax, equity release, wealth protection), discretionary fund management and bespoke portfolios (including tax-constrained IHT and CGT strategies, ethical and income-oriented portfolios, AIM IHT service, and family investment companies), Model Portfolio Service and Multi-Asset Funds managed under a strategic alliance with WTW (Willis Towers Watson), and specialist charity investment management. Client engagement is delivered through multiple proprietary digital platforms — Atomos Connect (JZ/JY accounts), Atomos Invest (AT accounts), Atomos Portal, and atomos Engage (powered by Fincalc) — plus iOS and Android mobile apps. The firm employs 251–500 staff.

Revenue is generated primarily through percentage-of-AUM advisory fees on managed portfolios, financial planning engagement fees, and bespoke portfolio pricing (with charity illustrations starting at £500K and fee schedules available for download). A free initial consultation serves as the lead-conversion entry point. The firm has pursued an active M&A and integration strategy, acquiring IFA firms (notably Shore Financial Planning and Define Wealth in December 2023) and securing a $13.7M debt facility in April 2025 to fund working capital and path to positive cash flow.

Name

atomos

Legal name

Atomos Financial Planning Limited

Website

https://atomos.co.uk

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

251–500 employees

Short description

Atomos is a UK private wealth manager offering integrated financial planning, discretionary investment management, and bespoke portfolios to high-net-worth individuals, families, charities, and IFAs, delivered across 14 regional offices and digital portals.

Ownership category

akta.pro rank

Product category

Wealth Management Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Advisory Portfolio Management (Non-Discretionary) (FSAAABAD)

akta.pro secondary industries

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD), Multi-Asset Income Funds (Diversified Income) (FSAAAJAG), Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ)

Keywords

• Wealth management services
• Financial planning advice
• Discretionary fund management
• Portfolio management services
• Model portfolio solutions

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices15 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Financial Planning Services: Tailored, personal financial planning advice to help clients achieve life goals. Covers retirement, estate, investment and tax planning, later life needs, mortgages and equity release, and protecting family wealth.
2. Investment Management: Model portfolios and multi-asset funds plus direct equity selection in bespoke portfolios. Includes discretionary fund management services.
3. Charity Investment Management: Long-term partnerships with charities and charitable trusts as a UK-based charity investment manager. Supports trustees in managing and investing charitable assets responsibly.
4. Bespoke Investment Services: Premium investment services for high-net-worth individuals, families, and organisations. Includes specialised portfolios for tax constraints (IHT, CGT), income-oriented portfolios, ethical investment portfolios, and family investment companies.

Pricing tiers

Go-to-market motion4 records

Distribution channels4 records

Marketing channels6 records

Core offering

Integrated UK wealth management comprising tailored financial planning (retirement, estate, investment, tax, later-life, mortgages/equity release, family wealth protection) combined with discretionary investment management (model portfolios, multi-asset funds, bespoke portfolios, AIM IHT service, charity investment management). Delivered through 14 UK offices, FCA-regulated advisory teams, multiple proprietary digital portals (Atomos Connect, Atomos Invest, Atomos Portal, atomos Engage) and a mobile app, with portfolio construction for the MPS and multi-asset fund range supplied under a strategic alliance with WTW.

Product overview

atomos is an integrated UK wealth management company offering a comprehensive suite of financial planning and investment management services. The core offerings include Financial Planning (tailored advice for retirement, estate, investment, and tax planning), Investments (model portfolios, multi-asset funds, and direct equity selection), and Bespoke Portfolios (discretionary management for high-net-worth clients). The company also provides specialist services for specific client segments including charities, NHS pension holders, women, divorcees, and business owners. Client access is delivered through multiple digital portals including Atomos Connect, Atomos Invest, Atomos Portal, and atomos Engage, plus a mobile app. The investment management services are delivered through a strategic alliance with WTW, which manages the Model Portfolio Service (MPS) and Multi-Asset Fund range. Additional services include Discretionary Fund Management (DFM) and the AIM IHT Service. The firm operates as the trading name for Atomos Financial Planning Limited (FCA No: 193503) and Atomos Investments Limited (FCA No: 122588), both authorised and regulated by the Financial Conduct Authority.

Differentiator

Problem solved

Functional benefit

Brands

• Atomos Connect: Secure online client portal for portfolio management clients with account numbers starting with JZ/JY.
• Atomos Invest
• Atomos Portal
• atomos Engage

Products and services

• Financial Planning Tailored, personal financial advice service for individuals and families covering retirement planning, estate planning, investment planning, tax planning, later-life needs, mortgages and equity release, and family wealth protection, delivered by dedicated financial planners with a free initial consultation and ongoing reviews.
• Investment Management Investment services delivered through model portfolios and multi-asset funds combined with direct equity selection in bespoke portfolios, offered under advice of a financial planner or portfolio manager.
• Bespoke Portfolios Discretionary portfolio management service for high-net-worth individuals, families, and organisations, including specialised portfolios for IHT and CGT constraints, income-oriented portfolios, ethical investment options, and family investment companies.
• Charity Investment Management Long-term partnerships with charities and charitable trusts as a UK-based charity investment manager, supporting trustees in managing and investing charitable assets responsibly across trusts, foundations, healthcare, education, youth/sport and community/heritage charities.
• NHS Pensions and Retirement Advice Specialist financial advice for NHS staff navigating the complexities of NHS pensions and retirement planning.
• Female-focused Financial Planning Financial planning delivered to women by women, addressing gender-specific financial planning needs and circumstances.
• Divorce Financial Planning Financial planning service for individuals dealing with divorce and separation, including settlement negotiation support and post-divorce investment strategy.
• Financial Planning for Business Owners Comprehensive financial planning for business owners covering business sale/exit planning, succession planning, and wealth protection, including Business Asset Disposal Relief considerations.
• Bespoke Investment Services (IFA Channel) Investment management offering for high-net-worth individuals and organisations delivered in partnership with IFAs, providing discretionary fund management services to their clients; promoted to intermediaries by an Account Director.
• Model Portfolio Service (MPS) Managed portfolio service with portfolios constructed and managed by WTW under the strategic alliance, providing model portfolio solutions for clients.
• Discretionary Fund Management (DFM) Discretionary investment management service with bespoke portfolio construction and active management.
• Multi-Asset Funds (MAF) Multi-asset fund range managed by WTW offering diversified investment solutions across various asset classes.
• AIM IHT Service Investment service designed to help clients mitigate Inheritance Tax liabilities through AIM (Alternative Investment Market) portfolios.
• Atomos Connect Secure online client portal for portfolio management clients (account numbers starting with JZ/JY), delivering account information, communications, formal documentation and secure messaging.
• Atomos Invest Investment platform for clients with account numbers starting with AT, providing access to investments held within tax wrappers and adviser-led services.
• Atomos Portal Access portal for clients with account numbers starting with AT and/or JZ/JY, providing access to all atomos solutions including advised and managed services.
• atomos Engage Secure online client portal giving clients a real-time view of their financial world - including plans, net worth, documents and secure communication - powered in part by the Fincalc partnership.
• atomos Mobile App Mobile application that lets clients access their atomos accounts on the move, available from the Apple App Store and Google Play Store.

Quantifiable outcome

• Enabled couple to retire 5 years earlier than expected (age 55)
• +2 more outcomes

Named customers6 records

Segments8 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Four partnerships are on record, tiered core and supporting.

• WTW (Willis Towers Watson)coreStrategic or Co-development Partner · 1 January 2022Strategic alliance with WTW created in 2022, forming part of atomos' investment service. WTW provides investment consulting expertise and manages atomos' MPS (Model Portfolio Service) and multi-asset fund range. George Jecks from WTW oversees management. The partnership aims to deliver improved investment performance.
• Independent Financial Advisers (IFAs)coreChannel Partner/ Reseller/ DistributorWorks in partnership with independent financial advisers across the UK. Provides investment solutions and discretionary fund management to IFA clients. Account Director Grant Bentley promotes retail investment solutions to intermediaries.
• Legal and Accounting ProfessionalssupportingChannel Partner/ Reseller/ DistributorPartners with solicitors, accountants and other professionals who recommend or engage financial planning and investment management services on behalf of their clients. Delivers tailored solutions to joint clients.
• FincalcsupportingTechnology or IntegrationPartnership with Fincalc to strengthen processes and provide digitally enhanced workflows for atomos advisers. Powers atomos Engage client portal.

Scale indicators7 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• St. James's Place: UK's largest wealth manager with a partner-supported advisory model offering financial planning and discretionary investment management to HNW clients. Highly comparable to atomos in product mix (advice + DFM + MPS) though significantly larger in AUM and adviser count.
• Rathbones Group: UK-listed wealth and investment manager providing discretionary portfolio management, financial planning and Rathbones funds. Direct competitor for HNW clients, charities, and adviser services in the UK market.
• Brooks Macdonald: UK wealth manager offering discretionary fund management and financial planning services to private clients, charities and intermediaries. Closely comparable scale and proposition to atomos, with similar IFA-channel distribution.
• Quilter: UK wealth manager and platform operator providing advice, investment solutions and platform services to advisers and clients. Comparable in serving the IFA distribution channel and offering MPS-style solutions.
• Evelyn Partners: UK wealth management and professional services firm (formed from Tilney and Smith & Williamson) offering financial planning, investment management and tax advice. Highly comparable integrated wealth proposition with similar HNW and charity focus.
• Brewin Dolphin (RBC Wealth Management): UK wealth manager (now part of RBC) offering discretionary investment management and financial planning to private clients, charities and intermediaries. Direct competitor in the UK DFM and adviser-support space.
• Charles Stanley: UK private client wealth manager offering investment management, financial planning and adviser services. Highly comparable scale, proposition and IFA distribution overlap to atomos.
• Killik & Co: London-based private client wealth manager providing financial planning, investment management and tax-efficient wrappers to HNW individuals and families. Comparable size and client focus to atomos.

Broad incumbents

• abrdn (formerly Standard Life Aberdeen): Global investment company with a large UK wealth platform and adviser services business. Competes broadly in UK wealth and investment management but at materially larger scale than atomos and with a more diversified product set.
• Cazenove Capital (Schroders Wealth Management): UK wealth management arm of Schroders serving HNW individuals, families, charities and pensions. Overlaps with atomos in charity and HNW discretionary mandates but is part of a much larger global asset manager.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/atomoswealth
• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/atomoswealth

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about atomos