Tacit Investment Management

What Tacit Investment Management does

Tacit Investment Management is a privately held, FCA-regulated UK investment management firm (legal entity TIML Limited, FRN 670184) founded in 2010 and headquartered at 14 Hanover Square, London. It provides discretionary investment management, holistic wealth management, financial planning advice, and custody/execution-only services to UK high-net-worth individuals, families, entrepreneurs, business owners, retirees, and professional intermediaries. The firm is structured as a holding company (Tacit Holdings Limited) with TIML Limited as the wholly-owned operating subsidiary and offers six risk-graded investment strategies spanning a UK Gilt Strategy (cash+0% target) through a Global Equity Strategy (CPI+4% target), built on a proprietary framework distinguishing Growth Assets from Stabiliser Assets by behavioural characteristics rather than product labels. Distribution operates through direct engagement by dedicated Investment Directors and through a Managed Portfolio Service distributed on selected UK third-party platforms for FCA-regulated IFAs, alongside dedicated partnerships with solicitors and accountants for complex cases.

The firm is independently owned and partner-led, with no external institutional or PE/VC backing recorded. Its senior team comprises former Deutsche Bank, Barclays Wealth, Gerrard, and Societe Generale Investment Management professionals, collectively bringing over 30 years of investment experience. Revenue is generated through subscription/recurring AUM-based management fees on discretionary portfolios, subscription-based MPS pricing via platforms, and fixed-fee pricing for one-off financial planning advice. Certifying bodies include CISI Chartered Firm status, 2025 ARC 3D Award, Consumer Duty Alliance membership, and Cyber Essentials. The firm's technology stack is not publicly disclosed and there is no indication of proprietary AI or ML capabilities.

Name

Tacit Investment Management

Legal name

TIML Limited

Website

https://tacitim.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Tacit Investment Management is a London-based, FCA-regulated discretionary investment manager founded in 2010, serving UK high-net-worth individuals, families, entrepreneurs, retirees, and professional intermediaries with wealth management and six risk-graded multi-asset strategies.

Ownership category

akta.pro rank

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Discretionary Investment Management: Fee-based discretionary investment management services for private clients, families, and professional intermediaries. Services include portfolio management, financial planning, and wealth structuring. The firm charges transparent, competitive fees with no hidden charges, exit fees, or lock-ins according to their service descriptions.
2. Managed Portfolio Services: Model portfolio services for IFAs delivered through third-party platforms. Fee structure includes total fee transparency for both adviser and client.
3. Custody and Execution Only: Custody and execution-only services for existing clients who wish to self-manage investments. Provides lower fees than advisory or managed services with a clear fee structure.
4. Financial Planning Advice: One-off financial advice service for existing discretionary management clients, covering pension planning, tax-efficient investing, family protection, and estate planning. Offered at transparent, fixed-fee pricing agreed in advance.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Tacit Investment Management provides discretionary investment management, wealth management, and financial planning services to UK private clients, families, entrepreneurs, high earners, retirees, and professional intermediaries. Its offering includes six risk-rated multi-asset investment strategies, holistic wealth structuring with tax and estate planning, custody and execution-only services, and a Managed Portfolio Service delivered to FCA-regulated IFAs through UK platforms.

Product overview

Tacit Investment Management offers a unified wealth management and investment platform providing six investment strategy portfolios alongside four core service lines. The investment strategies range from capital preservation (UK Gilt Strategy targeting Cash+0%) through to maximum growth (Global Equity Strategy targeting CPI+4%), with the Real Return, Conservative, Steady Growth, and Total Return strategies occupying intermediate risk/return positions. The core services comprise Wealth Management (holistic financial planning), Discretionary Investment Management (personalized portfolio management), Financial Planning & Advice (targeted guidance for existing clients), and Custody & Execution Only services. For professional intermediaries and IFAs, Tacit provides Dedicated Discretionary Investment Management and Managed Portfolio Services (MPS) delivered via third-party platforms. All services are built around a disciplined investment philosophy distinguishing between Growth Assets (global equities, credit, high yield) and Stabiliser Assets (gilts, sovereign bonds, cash), with the investment team actively managing portfolios using macroeconomic research and risk-aware portfolio construction.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Management Comprehensive service combining investment management with strategic financial planning, providing holistic oversight of clients' entire financial landscape including investments, pensions, tax efficiency, estate planning, and intergenerational wealth transfer. For UK private individuals and families.
• Discretionary Investment Management (Private Clients) Professional management of investments where the investment team makes day-to-day decisions on behalf of clients, crafting personalised portfolios that respond to changing market conditions while remaining aligned with client objectives. For UK private individuals and families.
• Custody and Execution Only Service Lower-cost service for existing clients who wish to manage their own investments while benefiting from professional custody, administrative support, and secure asset safekeeping through regulated custodians.
• Financial Planning and Advice Targeted, one-off advice on specific financial matters including pension and retirement planning, tax-efficient saving, family protection, and estate and inheritance tax planning, exclusively for clients with existing discretionary management relationships.
• Managed Portfolio Service (MPS) Model portfolio service for FCA-regulated financial advisers, providing institutional-grade investment management through risk-rated portfolios accessible via leading third-party platforms, with assets held under custody. Designed for IFAs serving UK private clients.
• Discretionary Investment Management Service (for IFAs) Bespoke discretionary investment management service for FCA-regulated financial advisers, where Tacit constructs and manages personalised portfolios while the adviser maintains the primary client relationship. Operates under shared regulatory responsibility model.
• Professional Intermediaries Service Collaborative service for solicitors, accountants, and other professional advisers, offering specialist investment management, wealth planning, and partnership models for trusts, estates, Court of Protection cases, divorce settlements, and tax-efficient investing.
• Real Return Strategy Balanced portfolio strategy targeting CPI + 1% net of fees, with 50/50 neutral allocation between Stabiliser and Growth Assets, designed to preserve purchasing power over medium-term horizons of 5–10 years.
• Steady Growth Strategy Long-term capital appreciation strategy targeting CPI + 2% net of fees, with 75%/25% neutral allocation between Growth and Stabiliser Assets, suited for medium to long horizons of 7–15 years.
• Conservative Strategy Cautious strategy targeting CPI + 1% net of fees, with 75%/25% neutral allocation to Stabiliser and Growth Assets, designed for short to medium-term horizons of 3–10 years with low volatility focus.
• Total Return Strategy Ambitious growth strategy targeting CPI + 3% net of fees, with 90%/10% neutral allocation to Growth and Stabiliser Assets, designed for long-term horizons of 7–15+ years.
• UK Gilt Strategy Capital preservation strategy targeting Cash + 0% net of fees, fully invested in short-duration UK government bonds and cash, designed for short-term horizons of 0–5 years with focus on liquidity and stability.
• Global Equity Strategy Maximum-growth strategy targeting CPI + 4% net of fees with 100% equity allocation across global developed and emerging markets, designed for long-term horizons of 10+ years with high risk tolerance.

Quantifiable outcome

• Strategies have met inflation-plus benchmarks over 15+ year track record
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Selected UK Investment PlatformscoreTechnology or IntegrationTacit MPS (Managed Portfolio Service) is available across selected UK platforms, enabling IFAs to access institutional-grade model portfolios integrated with existing financial planning tools and tax wrappers including ISAs and SIPPs. Platform integration provides seamless access and administrative efficiency for adviser clients.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Market position

Weaknesses4 records

Competitive moat5 records

Customer concentration

• LinkedInlinkedin.com/company/tacit-investment-management
• Xx.com/Tacit_Invest

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries1 record

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 Tacit Investment Management