Modulus Financial Planning

What Modulus Financial Planning does

Modulus Financial Planning Ltd is an independent, FCA-authorised financial advisory firm (Firm Reference 965916) based in Banbridge, Co. Down, Northern Ireland, founded in 2021 by co-founders Dale Kirkpatrick and John Sloan. The firm provides comprehensive financial planning services to UK individuals and business owners, with service lines covering retirement planning, investment management, pensions (including ISA, Lifetime ISA, and personal/workplace pensions), tax and estate planning, protection and insurance, business succession and exit planning, cashflow modelling, personal injury planning, and DIY investing guidance. The practice is organised around six client segments: business owners, individuals planning for retirement, growing families, later life planning, personal injury clients, and DIY investors.

The firm's service delivery is advisor-led rather than technology-led. The input explicitly identifies Modulus as a financial advisory services firm rather than a technology company, with delivery supported by standard financial planning tools, investment platforms, and cashflow modelling software. There are no proprietary technology products, no AI/ML capabilities, no API offerings, and no mobile or web applications. The firm's intellectual property is concentrated in its content library, including a regularly published blog, downloadable guides, video content, and an email newsletter, alongside a 'Technical Tuesday' series that received coverage in New Model Adviser magazine.

Commercially, the firm operates a fee-based professional services model with annual billing cadence, generating revenue through financial planning fees for advised services. Specific pricing is not publicly disclosed and is available only through direct consultation or via the firm's 'Our Fees' page. Go-to-market is direct-to-client through booked appointments with the co-founder advisors, supplemented by inbound content marketing and selected professional referral relationships (most notably Next Gen Planners and guest content collaborations with accountants and other professionals). The firm has not raised external funding, is not part of a larger group, and operates as a privately held independent practice.

Name

Modulus Financial Planning

Legal name

Modulus Financial Planning Ltd

Website

https://modulusfp.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Modulus Financial Planning Ltd is an FCA-authorised independent financial advisory firm based in Banbridge, Northern Ireland, founded in 2021 by Dale Kirkpatrick and John Sloan. It provides fee-based retirement, investment, pension, tax, estate, and business succession planning to UK individuals and business owners.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industry

Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Financial planning services
• Retirement planning advice
• Investment management advisory
• Pension and ISA advice
• Wealth and estate planning

Headquarters

HQ city

Banbridge

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Planning Fees: Modulus Financial Planning generates revenue through fees for financial planning services. The firm is FCA authorized and regulated (FCA Reference: 965916). They offer various services including investments, pensions, retirement planning, protection, and estate planning. Fee information is available on their 'Our Fees' page but specific pricing tiers are not publicly disclosed on the main website.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Modulus Financial Planning is an independent, FCA-regulated financial advisory firm that delivers personalised financial planning services to UK individuals and business owners. Its core offerings span retirement planning, investment management, pension and ISA advice, protection/insurance, cashflow modelling, estate and later life planning, and specialised support for business owners (exit and succession planning) and personal injury clients. Services are delivered directly by co-founders Dale Kirkpatrick and John Sloan through booked appointments, either in person at the Banbridge office or remotely.

Product overview

Modulus Financial Planning is an independent financial planning firm based in Banbridge, Northern Ireland, offering comprehensive financial planning services for UK individuals and business owners. The firm operates as a unified financial planning practice rather than a platform with modular products. Core service offerings include Financial Planning Services (encompassing retirement planning, investment management, tax planning, and estate planning), Business Owner Services (with specialized support for exit planning, succession strategies, and corporation tax optimization), Investment Management (focused on diversified global equities and ethical investing), Cashflow Modelling, Protection & Insurance, and Later Life Planning. The firm also provides targeted services for Personal Injury clients and DIY Investing guidance. All services are delivered under FCA authorization and regulation, positioning the firm as a full-service independent financial advisory practice.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Services Comprehensive financial planning service for UK individuals and business owners, integrating retirement planning, investment management, tax planning, estate planning, and protection advice into a single ongoing client relationship.
• Business Owner Services Specialist financial planning for business owners covering exit planning, business succession strategies (sale to third party, management buyout, or family transfer), corporation tax planning, and pension contributions from business profits.
• Retirement Planning Retirement planning service covering state pension optimisation, defined contribution and defined benefit pension analysis, retirement income strategies, and lifestyle planning across the four phases of retirement.
• Investment Management Investment advisory service focused on diversified global equities, ethical/ESG investing options, and long-term portfolio management strategies designed to weather market volatility.
• Cashflow Modelling Financial modelling service that visualises a client's financial future, shows how decisions impact wealth, and supports planning across multiple life scenarios.
• Protection and Insurance Advisory Risk protection advisory covering life insurance, critical illness cover, income protection, mortgage protection, and general insurance advice for individuals and families.
• Personal Injury Financial Planning Specialist financial planning for individuals who have received personal injury compensation, focused on managing settlement funds, maintaining long-term financial security, and helping clients regain financial control.
• DIY Investing Guidance Advisory and educational support for self-directed investors, including guidance on ISAs, pension contributions, investment platform selection, and getting started with investing.
• Savings, Investments and Pensions Advisory Comprehensive advisory on UK savings and investment wrappers, including Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs, Junior ISAs, personal pensions, workplace pensions, and employer pension contributions.
• Later Life Planning End-of-life financial planning covering inheritance tax strategies, estate planning, wealth transfer, and ensuring assets pass to the intended beneficiaries at the right time.

Quantifiable outcome

• FCA regulated independent financial adviser serving UK clients with comprehensive planning approach

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• Next Gen PlannerscoreStrategic or Co-development PartnerModulus Financial Planning founders Dale Kirkpatrick and John Sloan are members of Next Gen Planners (NGP), a professional group providing support and development opportunities for financial planners. Dale participated in the NGP Blast Off Program for people starting new businesses, and John was selected for the NGP Speaker & Influencer program 2022. The community provides access to mentors and tools for business development.
• Cartmill Stewart & Co (Guest Blog Contributors)minorStrategic or Co-development PartnerPhil Murphy (Trainee Chartered Accountant) and Claire Stewart (Partner) at Cartmill Stewart & Co wrote a guest blog for Modulus Financial Planning on Electric Vehicles and tax planning for business owners. This demonstrates collaboration between financial planners and accountants.
• Ursula McKay Fitness and Nutrition (Guest Contributor)minorStrategic or Co-development PartnerUrsula McKay, a fitness and nutrition professional, wrote a guest blog for Modulus Financial Planning on holiday health and fitness, demonstrating cross-industry collaboration focused on holistic wellbeing.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/ModulusFP
• LinkedInlinkedin.com/company/modulus-financial-planning

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Modulus Financial Planning