What Wealthcare does

Wealthcare Limited is an independent financial advisory firm headquartered in Bury, Greater Manchester, with a satellite London office. Founded in 2001 and authorised and regulated by the Financial Conduct Authority (Number 207647), the firm operates as a multi-disciplinary practice serving both individual and corporate clients across the United Kingdom. Its services span personal financial planning (retirement planning, investments, life and health insurance, tax planning, cash flow planning, intergenerational wealth transfer, long-term care and equity release) and corporate financial planning (workplace and directors pensions, business protection, employee benefits, succession planning and corporate investment), delivered through three tiered subscription service propositions.

The firm is led by Joint Managing Directors Richard Harris and Stephen Cainer and operates with a team of roughly 10-12 staff including additional advisers, wealth management and employee benefits administrators, and support functions. Its technology stack comprises industry-standard tools - an Intelliflo back-office system, a secure online client portal and CashCalc for cash flow modelling - with no proprietary technology or AI capabilities indicated in the source material.

Commercially, Wealthcare generates revenue from a blend of fee-based advice, recurring subscription review services and product-provider commissions on arranged investments, pensions, insurance and mortgages. New business is sourced almost entirely through referrals from existing clients and professional partners (such as accountants and solicitors), with face-to-face consultations at its offices underpinning the client engagement model.

Name

Wealthcare

Legal name

Wealthcare Limited

Website

https://wealthcare.co.uk

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

Wealthcare is a Bury-based, FCA-authorised independent financial advisory firm serving UK individuals and small businesses with personal financial planning (retirement, investments, protection, tax, equity release) and corporate planning (workplace pensions, employee benefits, succession planning), delivered via a referral-led, face-to-face model with roughly 10-12 staff.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Trust, Fiduciary, and Custody Activities (523991)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)

akta.pro secondary industries

Managed Accounts & Model Portfolios (SMA/UMA) (FSAAAAAG), Private Wealth Planning (Tax, Estate & Succession) (FSAAABAE), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

Keywords

• Independent financial advice
• Wealth management services
• Retirement planning advice
• Pension advisory services
• Investment advisory

Headquarters

HQ city

Manchester

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Services: Wealthcare charges for independent financial advice services. They offer different levels of ongoing review services (Level 1 six-monthly, Level 2 annual, and Administration-only) with agreed fees before commencing work. The company also receives commissions from financial product providers for arranged products such as investments, pensions, insurance, and mortgages.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Wealthcare is an independent financial advisory firm offering holistic financial planning for individuals and businesses. The firm delivers face-to-face advisory services across two integrated lines: Personal Financial Advice (retirement, investments, protection, tax planning, cash flow, wealth transfer, long-term care, equity release) and Business Financial Advice (pensions, workplace pensions, business protection, healthcare, employee benefits, succession planning, corporate investment). Advice is delivered through a structured six-stage process from initial discovery consultation through implementation and ongoing review.

Product overview

Wealthcare is a multi-disciplinary independent financial advisory firm offering two integrated service lines: Personal Financial Advice and Business Financial Advice. The personal service encompasses 8 core modules (Retirement Planning, Investments, Life & Health Insurance, Tax Planning, Cash Flow Planning, Intergenerational Wealth Transfer, Long-term Care, and Equity Release), complemented by three service tier levels (Level 1 six-monthly reviews, Level 2 annual reviews, and Administration-Only). The business service covers 8 specialist areas (Business Pension Service, Workplace Pensions, Directors Pensions, Business Protection, Business Healthcare, Employee Benefits, Succession Planning, and Corporate Investment). All services are delivered through face-to-face advisory relationships with ongoing client support.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Financial Advice Holistic financial planning service for individuals covering retirement planning, investments, life and health insurance, tax planning, cash flow planning, intergenerational wealth transfer, long-term care, and equity release. Includes Level 1 six-monthly and Level 2 annual review services, plus an Administration-Only service tier, with secure online portal access.
• Business Financial Advice Corporate financial planning service for businesses covering business pensions, workplace pensions, directors pensions, business protection, business healthcare, employee benefits, succession planning, and corporate investment. Delivered through ongoing review and regulatory compliance support.
• Equity Release Advisory Specialist equity release advisory service for clients aged 55 and over, offering lifetime mortgage products with drawdown facilities and no-negative equity guarantee. Operates under Equity Release Council membership standards.
• Employee Benefits Administration Comprehensive employee benefits package structuring and ongoing administration including workplace pensions, salary sacrifice arrangements, group life, private medical insurance, and income protection for SMEs and corporate clients.

Named customers5 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Equilibrium Financial Planning: UK-based independent financial adviser offering holistic financial planning for individuals and businesses, including retirement, investment, protection, and tax planning. Comparable in size, holistic advice philosophy, and multi-disciplinary model to Wealthcare.
• AFH Wealth Management (now Kingswood): UK independent financial advisory group providing personal and corporate financial advice across retirement, investment, protection, and inheritance planning. Comparable holistic offering and FCA-regulated IFA model.
• Foster Denovo: UK independent financial adviser and wealth planner serving individuals and corporates with retirement, investment, and employee benefit services. Directly comparable IFA proposition with a similar holistic, multi-disciplinary approach.
• Ascot Lloyd: UK wealth management firm providing independent financial advice, investment management, and tax planning to individuals and small businesses. Similar target market and holistic advisory model.
• Paradigm Norton Financial Advisors: UK independent financial adviser offering personal and corporate financial planning, including retirement, investment, protection, and inheritance tax planning. Comparable IFA size, scope, and holistic advice approach.
• Chadney Bulgin: Small-to-mid sized UK independent financial adviser providing personal and corporate financial planning, retirement, and wealth management services. Closely comparable in size, regional UK focus, and holistic multi-disciplinary offering.

Broad incumbents

• St. James's Place: One of the largest UK wealth management networks, offering advice on investments, pensions, and protection to mass-affluent and HNW clients. Comparable target market but operates at much larger scale via a partnership model rather than independent advisers.
• Rathbones Group: UK-listed wealth manager providing investment management, financial planning, and advice services to individuals, charities, and trustees. Overlaps with Wealthcare's investment and retirement planning offerings but serves a broader and typically wealthier client base.
• Quilter: UK wealth manager with a large advised platform serving mass-affluent and affluent clients via a national adviser network. Comparable investment, pension, and protection product set, but operates at much greater scale.
• Charles Stanley: UK private client wealth manager offering investment management and financial planning to HNW individuals, families, and trusts. Overlaps with Wealthcare on investment, retirement, and estate planning but at larger scale and with discretionary mandates.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/wealthcare-limited
• Xx.com/wealthcareifa

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Wealthcare