Opus IFP

What Opus IFP does

Opus Independent Financial Planning Limited (trading as Opus IFP) is a UK-based, FCA-regulated chartered financial advisory firm headquartered in Sutton Coldfield, West Midlands. Founded in 2010 and operating with 11–50 employees, the firm delivers holistic lifestyle financial planning, combining independent financial advice, wealth planning, and investment management for individual clients and business owners. Its service suite spans cash flow forecasting, investment management, pensions analysis (including SSAS and SIPP), mortgage brokerage, business protection, tax planning, estate planning, wealth protection insurance, and ongoing annual financial reviews. The firm's stated proposition is to act as a 'centralised point of truth', helping clients understand the financial 'number' required for their chosen lifestyle and proactively managing trajectories rather than reacting to events.

The firm addresses four primary client segments: entrepreneurs and business owners (tax structuring, shareholder protection, succession planning), young professionals and young families (pensions, mortgages, school fees, debt management), experienced professionals and business leaders (consolidating fragmented pension pots, legacy and early retirement planning), and retirees or those approaching retirement (drawdown strategies, inheritance tax). Customers are acquired through a sales-led, relationship-driven go-to-market motion — free 30-minute initial consultations, content marketing via blogs and case studies, LinkedIn presence, and a referral-heavy pipeline (most mortgage work is sourced from existing client referrals).

Revenue is generated through bespoke fee-based engagements, not as a percentage of assets under management. Fees are tailored to each client brief and fixed at annual review, which the firm positions as a democratising alternative to traditional H wealth management pricing. The firm also derives revenue from mortgage brokerage, insurance arrangement, and investment management mandates, all delivered through direct advisory consultations (in-person and online video). No app, API, or proprietary technology platform is operated; the firm's primary non-human asset is a library of educational videos and published case studies used to support client education and demand generation.

Name

Opus IFP

Legal name

Opus Independent Financial Planning Limited

Website

https://opus-ifp.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Opus IFP is a UK-based, FCA-regulated chartered financial advisory firm that delivers holistic lifestyle financial planning, investment management, mortgage, pension, tax, and estate planning advice to individual clients and business owners across four persona segments.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

Keywords

• Independent financial advice
• Wealth management services
• Financial planning advisory
• Investment management
• Mortgage brokerage

Headquarters

HQ city

Sutton Coldfield

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, Infrastructure

Revenue model

1. Financial Planning Advisory Fees: Fee-based model tailored to each client brief, not based on asset under management percentages. They offer a 'democratised' approach that opens financial advice to individuals and families without requiring a large asset base traditionally expected by wealth managers. Fees are set and fixed during annual reviews.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Opus IFP provides holistic lifestyle financial planning for individuals and families, delivered as a centralised point of truth that integrates cash flow forecasting, investment management, pension analysis (including SSAS and SIPP), mortgage advice, business protection, tax planning, estate planning, and wealth protection insurance. The firm focuses on preventative, proactive planning rather than reactive advice, helping clients identify their financial 'number' and the trajectories required to reach financial freedom.

Product overview

Opus Independent Financial Planning operates as a centralized point of truth for financial advisory services, offering an integrated collection of bespoke financial and advisory services. The core offering centers on lifestyle financial planning with services including cash flow forecasting, investment management, pensions analysis (SSAS and SIPP), mortgage advice, business protection, tax planning, estate planning, and wealth protection insurance. The firm positions itself as chartered financial planners providing highly-bespoke, actionable advice built on innovative, personalized solutions. They serve diverse client segments including entrepreneurs, young professionals, experienced professionals, and retirees, with a fee structure designed to democratize access to financial advice.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Services Holistic lifestyle financial planning that helps clients understand their financial trajectory and explore various futures they could bring into reality, focused on what they could spend rather than what they have spent. Aimed at UK individuals and families seeking financial freedom.
• Cash Flow Forecasting Analysis of fixed and variable expenditure to project future financial scenarios and help clients plan effectively towards achieving their end goals. Targeted at individuals and families mapping lifestyle-based financial futures.
• Investment Management Portfolio management and investment strategy services aligned with client risk appetite and long-term financial objectives. For individuals and families building and managing long-term wealth.
• Pensions Analysis Comprehensive pension planning including SSAS (Small Self-Administered Schemes) and SIPP (Self-Invested Personal Pension) setup, transfer, consolidation, and ongoing administration. Includes exponential-effect analysis on contributions. For UK individuals consolidating multiple pension pots or setting up new arrangements.
• Mortgage Advice Expert mortgage brokerage services with access to exclusive rates from key lenders, supporting clients from deposit saving through to property purchase. The firm states it has helped thousands of clients secure mortgages.
• Business Protection Arrangement of key person insurance, shareholder protection policies, and succession planning for business owners and entrepreneurs.
• Tax Planning Tax-efficient structuring including pension contributions through business, dividend planning, and capital extraction strategies. Targeted at business owners and higher earners seeking to optimise tax position.
• Estate Planning Efficient estate structuring and inheritance tax planning to help clients protect and transfer wealth to beneficiaries.
• Wealth Protection Insurance arrangement including life, critical illness, and income protection cover to protect clients and their families.
• Financial Reviews Ongoing financial and lifestyle reviews to ensure clients stay on track as circumstances evolve and remain aligned with their goals. Annual review fees are set and fixed.

Quantifiable outcome

• Retirement age reduced from 67 to 57
• +3 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 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.

• Partner Law FirmsupportingImplementation/ SI/ Consulting PartnerA partner law firm is involved to help implement legal documents such as wills and shareholder protection agreements for business owner clients. This partnership enables Opus to provide comprehensive business succession and estate planning services.

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Charles Stanley: UK wealth manager providing financial planning, investment management, and pensions advice to private clients and intermediaries. Comparable in holistic advice-led positioning and mid-market client focus.
• Tilney (now part of Evelyn Partners): UK wealth manager and IFA offering financial planning, investment management, and tax advice to individuals and business owners. Closely comparable in service breadth and target client mix.
• EQ Investors: UK boutique IFA providing financial planning and wealth management to professionals, entrepreneurs, and retirees. Closely comparable in size, target segments, and planning-led fee model.
• True Potential: UK wealth management and investment platform serving advisers and direct clients with financial planning, pensions, and investments. Comparable planning-led positioning with embedded technology.

Broad incumbents

• Rathbones: UK-listed wealth manager offering investment management, financial planning, and tax services to private clients, charities, and intermediaries. Overlapping target segments and service set, but materially larger.
• Quilter: UK wealth manager with adviser-led financial planning, investment platforms, and pensions offerings. Comparable advice-led model but operates a large adviser network and platform infrastructure.
• Brewin Dolphin: UK wealth manager providing financial planning, investment management, and advice to private clients, professionals, and business owners. Comparable client segments and holistic proposition, much larger scale.
• AJ Bell: UK investment platform offering SIPP, ISA, and dealing services to private investors and advisers. Represents the digital, low-cost alternative that puts fee pressure on independent financial planners like Opus.
• St. James's Place: Largest UK wealth management group with a partner adviser model offering financial planning, investments, and pensions. Broadly comparable in service mix (planning-led, adviser-distributed) but operates at vastly greater scale and on a different fee model.
• Hargreaves Lansdown: Largest UK direct-to-consumer investment and pension platform. Adjacent competitor in pension and investment distribution and a price benchmark that pressures traditional IFA fees.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/opus-ifp
• Xx.com/OpusIFP

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Opus IFP