Future Asset Management
Future Asset Management LLP is an Independent Financial Adviser in Bridgend, South Wales, providing fee-based personal and corporate financial planning — investments, pensions, mortgages, equity release, retirement, and inheritance tax planning — to individual and business clients across South Wales.
- Company typePrivate
- Founded2004
- HeadquartersBridgend, United Kingdom
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Future Asset Management does
Future Asset Management LLP is an Independent Financial Adviser (IFA) based in Bridgend, South Wales, founded in December 2004 by David Wingar (an IFA since 1992), Nicola Wingar, and a third colleague. The firm provides holistic, fee-based financial planning services to individuals and corporate clients across South Wales, covering seven integrated service lines: Investments, Pensions, Protection, Retirement Planning, Mortgages, Equity Release (Lifetime Mortgages), and Inheritance Tax/Tax Planning. The firm is authorised and regulated by the Financial Conduct Authority (Firm No. 414752), is a member of the Equity Release Council, and holds the Investors in People workplace accreditation; advisers carry Chartered Wealth Manager (CISI), Certified Financial Planner, and Chartered MCSI credentials, with Graham Wingar having won CISI Financial Planning Professional of the Year in 2018.
The firm operates a relationship-driven, sales-led go-to-market model: a four-step process (initial contact, exploratory meeting, financial plan preparation, implementation) followed by an ongoing service programme with annual reviews and three tiers of ongoing advice. Revenue is generated through four streams: transparent one-time financial planning advisory fees, mortgage advisory fees (new purchase up to £497, remortgage £247–£497, product switch £0), equity release advisory fees (minimum £697 plus lender commission), and recurring ongoing pension and investment advice fees. The technology backbone is modest — Cash Flow Modelling for retirement simulations, whole-of-market mortgage research, and Equity Release Council-compliant product workflows — with no proprietary platform, no app, and no third-party integrations.
The firm is a family-owned Limited Liability Partnership (registered in Wales No. OC 309979) with 1–10 employees. Ownership rests with the named partners (David, Nicola, and Graham Wingar); there is no external parent, no institutional investment, and no subsidiaries. Client engagement is predominantly face-to-face and telephone-based from the Bridgend headquarters, supplemented by content marketing, social media, and client referrals. All activity is UK-domestic, with the firm's website explicitly restricted to UK-based consumers.
Future Asset Management firmographics
Firmographics- Name
- Future Asset Management
- Legal name
- Future Asset Management LLP
- Website
- https://famllp.com
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Future Asset Management LLP is an Independent Financial Adviser in Bridgend, South Wales, providing fee-based personal and corporate financial planning — investments, pensions, mortgages, equity release, retirement, and inheritance tax planning — to individual and business clients across South Wales.
- Ownership category
- akta.pro rank
Future Asset Management industry classification
Industry- Product category
- Independent Financial Advisory
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Comprehensive Financial Planning (FSAEAAAA)
- akta.pro secondary industry
- Financial Planning–Led RIAs (FSAAACAB)
Keywords
Where Future Asset Management is headquartered
LocationHeadquarters
- HQ city
- Bridgend
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Future Asset Management business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Financial Planning Advisory Fees: Fee-based advisory service providing comprehensive financial planning. Fees are declared before implementation of recommendations.
- Mortgage Advisory Fees: New Purchase: £497 maximum; Remortgage: £247-£497 maximum; Product Switch: £0. Fee varies depending on individual circumstances.
- Equity Release Advisory: Minimum fee of £697 for equity release advice plus commission received from the lender upon completion.
- Pension and Investment Ongoing Service: Ongoing advice service with regular client review meetings. Fee charged for ongoing advice service covering monitoring of investments and pension arrangements.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | New Purchase Mortgage: £497 (maximum) |
| One time/ perpetual license | Pay-as-you-go | Remortgage: £247 – £497 (maximum) |
| One time/ perpetual license | Pay-as-you-go | Product Switch: £0 |
| Hybrid | Pay-as-you-go | Equity Release: minimum £697 plus commission |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Future Asset Management product offering
Product offeringCore offering
Future Asset Management LLP is an Independent Financial Adviser providing fee-based, comprehensive financial planning services to individuals and corporate clients primarily in South Wales. Its advisory offering spans investments, pensions, protection, retirement planning, mortgages, equity release, and inheritance tax planning, delivered through a four-step process (initial contact, exploratory meeting, financial plan preparation, implementation) followed by tiered ongoing review services.
Product overview
Future Asset Management LLP is an Independent Financial Adviser (IFA) offering a unified suite of financial planning services rather than a technology product platform. The core offering consists of seven integrated financial advisory services: Investments (research, review, recommend and monitor), Pensions (planning and consolidation), Protection (life and income protection), Retirement Planning (with cash flow modelling), Mortgages, Equity Release (lifetime mortgages), and Inheritance Tax Planning. These services are designed to work holistically, with advisers conducting comprehensive financial analyses to categorise goals and identify shortfalls before preparing tailored Financial Plans. The firm serves both personal and corporate clients in South Wales, emphasising long-term relationships built on integrity and trust.
Differentiator
Problem solved
Functional benefit
Products and services
- Investments Comprehensive investment advisory service that researches, reviews, recommends and monitors investments tailored to client needs, covering fixed-income, equities, and cash/cash equivalents, for individuals and corporate clients seeking wealth creation and management.
- Pensions Pension planning service including reviewing current pension provisions, implementing new solutions, and facilitating pension consolidation to reduce administration and charges, for individuals planning retirement or consolidating existing pension arrangements.
- Protection Financial protection advisory covering life insurance, critical illness cover, and income protection to safeguard clients and their families against unexpected life events such as death or serious illness.
- Retirement Planning Comprehensive retirement planning advisory including determining retirement income goals, pension options analysis, and cash flow modelling to simulate retirement scenarios, for individuals approaching or in retirement.
- Mortgages Whole-of-market mortgage advisory service that researches appropriate mortgages, obtains Decision in Principle, and reviews mortgage arrangements before fixed-rate periods end, for first-time buyers, buy-to-let investors, and remortgaging clients.
- Equity Release (Lifetime Mortgage) Equity release advisory using lifetime mortgage products to release equity from a client's property while complying with the Equity Release Council's code of conduct, for homeowners seeking retirement income or capital.
- Inheritance Tax Planning Inheritance tax planning service to help clients minimise IHT liability using Nil Rate Band and Residence Nil Rate Band allowances, with introductions to will writing experts, for individuals planning estate transfer to beneficiaries.
- Tax Planning Tax planning service integrated within the firm's financial planning offering to help clients minimise tax liabilities across various financial products, for individuals and corporate clients seeking tax efficiency.
Quantifiable outcome
- Clients benefit from holistic approach with full analysis of current situation, financial goals categorization, and identification of shortfalls before Financial Plan preparation.
Companies that use Future Asset Management
Customer profileNamed customers6 records
Segments2 records
Ideal customer profiles2 records
Future Asset Management technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Future Asset Management partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights4 records
Future Asset Management competitors and assessment
Company assessmentBroad incumbents
- Tilney (now Evelyn Partners): UK wealth management and professional services firm offering financial planning, investment management, and tax advice across the UK. Comparable to FAM in providing integrated UK financial planning services including pensions, investments, and tax planning.
- Brewin Dolphin: UK wealth manager providing investment management and financial planning to private clients, charities, and intermediaries via regional offices. Comparable to FAM in delivering holistic UK financial planning, but at institutional scale and with discretionary portfolio management focus.
- Hargreaves Lansdown: UK's largest direct-to-consumer investment platform offering ISAs, pensions, funds, and investment research. Comparable to FAM as a UK investment and retirement planning provider, though it operates a self-directed platform model rather than face-to-face advice.
- St. James's Place: One of the UK's largest wealth management networks offering investment, pension, and financial planning services through a national adviser footprint. Comparable to FAM as a UK retail-facing financial planning provider, though at vastly greater scale and with a tied adviser model.
- Rathbones Group: UK-listed wealth manager providing discretionary investment management, financial planning, and advisory services through regional offices. Comparable to FAM in UK private-client financial planning, though with discretionary AUM scale and public listing.
- Quilter Financial Planning (Intrinsic): UK wealth management group with a national network of appointed representative IFAs offering financial planning, investments, and pensions. Comparable to FAM as a UK retail IFA, though operating at scale via its network of adviser firms.
Emerging players
- Vanguard UK Personal Investor: UK direct-to-consumer investment platform from Vanguard offering low-cost ISAs, SIPPs, and general investment accounts. Comparable to FAM in UK retail investment and pension provision, but competing on price through a passive, self-directed model.
- Moneybox: UK app-based savings and investment platform offering ISAs, pensions, and mortgage services to younger retail customers. Comparable to FAM in covering investments, pensions, and mortgages, but with a digital-first, low-fee model.
- Nutmeg: UK digital wealth manager offering robo-advisor and fixed-portfolio investment products to retail clients. Comparable to FAM as a UK retail investment and pension provider, but operating a fully digital model with lower fees.
Direct peers
- Beaufort Financial (Welsh IFA): Wales-based independent financial adviser providing holistic financial planning, investments, pensions, and mortgages to individuals and businesses. Most directly comparable to FAM by size, geography (Wales), service mix, and independent advice model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Future Asset Management social profiles
Digital presenceFuture Asset Management compliance and trust
Trust signalCompliance4 records
Future Asset Management financial estimates
Financial estimateRevenue estimate
Valuation estimate
Future Asset Management leadership team
Management profileNumber of profiles
Profiles5 records
Future Asset Management funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Future Asset Management M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Future Asset Management
What does Future Asset Management do?
Future Asset Management LLP is an Independent Financial Adviser providing fee-based, comprehensive financial planning services to individuals and corporate clients primarily in South Wales. Its advisory offering spans investments, pensions, protection, retirement planning, mortgages, equity release, and inheritance tax planning, delivered through a four-step process (initial contact, exploratory meeting, financial plan preparation, implementation) followed by tiered ongoing review services.
Is Future Asset Management a public or private company?
Future Asset Management is a private company. It is classified as family owned and is currently operating.
When was Future Asset Management founded?
Future Asset Management was founded in 2004. It employs 1 to 10 people.
Where is Future Asset Management based?
Future Asset Management is headquartered in Bridgend, United Kingdom, in the Europe region.
How does Future Asset Management make money?
Four revenue lines are on record. Financial Planning Advisory Fees are the primary driver. The others are mortgage Advisory Fees, equity Release Advisory and pension and Investment Ongoing Service.
Who are Future Asset Management's main competitors?
Broad incumbents on record are Tilney (now Evelyn Partners), Brewin Dolphin, Hargreaves Lansdown, St. James's Place, Rathbones Group and Quilter Financial Planning (Intrinsic). Emerging players are Vanguard UK Personal Investor, Moneybox and Nutmeg. Beaufort Financial (Welsh IFA) is listed as a direct peer.
Does Future Asset Management have an API?
No public API is recorded for Future Asset Management.
What industry is Future Asset Management in?
Future Asset Management's product category is Independent Financial Advisory. Its primary akta.pro industry code is FSAEAAAA, Comprehensive Financial Planning, with a secondary code of FSAAACAB, Financial Planning–Led RIAs. Its NAICS code is 523940 and its SIC code is 6282.