Positive Wealth Creation

What Positive Wealth Creation does

Positive Wealth Creation Ltd is a privately held, family-run financial advisory firm headquartered in Burnham-on-Sea, Somerset, with a meeting presence at the Institute of Directors in London. Founded in its current form in 2003 by Jenni and Alex Turco, the firm traces its community history to 1987 and operates as a Chartered Financial Planner (CII) under FCA authorisation (Firm Reference 481182). The firm employs 7 people spanning two Chartered directors, a financial planner, two paraplanners, a trainee paraplanner, and a financial controller.

The firm delivers a structured six-stage financial planning service: an initial no-obligation meeting, a £2,000 Initial Overview Report, implementation at 1-3% of invested capital (minimum £1,000), and tiered ongoing aftercare subscriptions (Core £750, Enhanced £1,500, Bespoke £4,000 annual minimums, all at 0.5% of assets under advice). Underlying technology is limited to standard financial planning software with cashflow modelling and a customisable risk profiling questionnaire. The firm serves four primary segments: individuals approaching retirement, retirees managing wealth transfer and Inheritance Tax, members of the judiciary requiring specialist pension scheme advice, and wealth-builders in their 20s-40s. Differentiated capabilities include multi-generational client retention (third and fourth generation families) and a niche judicial pension specialism.

The business generates revenue through three streams: one-off engagement fees, transaction-based implementation fees, and recurring AUA-based subscriptions. Distribution is sales-led, relying on personal referrals, multi-generational client introductions, professional adviser networks, and the VouchedFor review platform (214 reviews, 4.9/5). The firm has no external investors, no parent company, and no funding rounds on record. Marketing is driven by content (blog), community sponsorships (Bristol Cricket Club, local events), and verified peer reviews distributed via The Times and The Telegraph.

Name

Positive Wealth Creation

Legal name

Positive Wealth Creation Ltd

Website

https://pwcltd.co.uk

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Short description

Positive Wealth Creation is a family-run, Chartered financial advisory firm in Burnham-on-Sea, UK, offering retirement planning, pension consolidation, and specialist judicial pension advice to individuals and families across the UK via a recurring AUA-based fee model.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory Services

NAICS

Trusts, Estates, and Agency Accounts (52592)

akta.pro primary industry

Philanthropy & Foundations Advisory (Donor-Advised Funds, Endowments) (FSAAABAH)

akta.pro secondary industry

Estate Planning, Trust Structuring & Governance (FSAAADAF)

Keywords

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

Headquarters

HQ city

Burnham-on-sea

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Initial Overview Report: Fixed project fee of £2,000 for initial analysis including information gathering, speaking to existing providers, calculating tax savings, cashflow modelling, and written report with presentation
2. Implementation Fees: Percentage-based fee ranging from 1% to 3% of amount invested depending on portfolio size, with minimum fee of £1,000. Deducts the £2,000 initial report fee from implementation costs.
3. Ongoing Service Fees: Annual percentage-based fees of 0.5% of assets under advice with tiered minimums: Core (£750), Enhanced (£1,500), and Bespoke (£4,000). Services include annual planning invitations, adviser access, portfolio reports, and ongoing monitoring.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Positive Wealth Creation is an independent Chartered financial planning firm that provides individuals with a three-stage advisory service: an Initial Overview Report (fixed fee), Implementation Services (percentage of amount invested), and tiered ongoing Aftercare Services (percentage of assets under advice). Specialisms include retirement planning, pension consolidation, Inheritance Tax mitigation, estate planning, care fee planning, and a niche capability in Judicial Pension Scheme advisory.

Product overview

Positive Wealth Creation is a financial advisory firm offering a structured service model comprising three main stages: an Initial Overview Report (fixed fee of £2,000), Implementation Services (1-3% of amount invested), and tiered Ongoing Aftercare Services (Core, Enhanced, and Bespoke tiers at 0.5% of assets under advice annually). The firm provides specialised advisory services for individuals approaching retirement, those already retired, members of the judiciary with specialist pension needs, and individuals building wealth. All services are independent, unbiased, and unrestricted, based on comprehensive analysis of the market. The firm is authorised and regulated by the FCA and holds Chartered Financial Planner status from the Chartered Insurance Institute.

Differentiator

Problem solved

Functional benefit

Products and services

• Initial Overview Report A fixed-fee assessment service priced at £2,000 that gathers full client financial information, reviews existing plans and providers, calculates potential tax savings, carries out cashflow modelling, and produces a written report with recommended steps and a follow-up presentation. Targeted at prospective clients considering engaging the firm for ongoing advice.
• Implementation Services A percentage-based fee service (1%-3% of amount invested, minimum £1,000) that covers explaining recommendations, completing and submitting application forms, tracking progress with product providers, and producing policy documentation. Tiered: 3% on £0-£100,000; 2% on £100,001-£500,000; 1% above £500,001, with the £2,000 initial report fee deducted from implementation costs.
• Core Aftercare Service An ongoing service tier priced at 0.5% of assets under advice per year (minimum £750) providing monthly newsletters, annual planning invitations, one hour of adviser access per year, fund platform access, and pension drawdown client services.
• Enhanced Aftercare Service A premium ongoing service tier priced at 0.5% of assets under advice per year (minimum £1,500) including all Core services plus an additional hour of adviser access, substantive fund change notifications, 30 minutes of contact with other professional advisers per year, assistance with cash deposit maturities, and provision of valuations to executors on death.
• Bespoke Aftercare Service A highest-tier ongoing service priced at 0.5% of assets under advice per year (minimum £4,000) including all Enhanced services plus up to four portfolio reports per year, up to two one-hour adviser meetings per year, and additional professional adviser contact hours.
• Retirement Planning Services Comprehensive retirement planning including comparing annuity, drawdown, and other pension access methods; analysing existing pension arrangements; and designing suitable retirement income strategies including SIPPs and Enhanced Annuities. Targeted at individuals approaching retirement, including business owners.
• In-Retirement Services Advisory services for retirees including maintaining living standards, passing wealth to loved ones, later-life care planning, and pension portfolio reviews. Covers retirement income management, Inheritance Tax planning, wealth transfer, and care fee planning.
• Judicial Pension Advisory Services Specialist advisory services for members of the judiciary covering judicial pension scheme details, fund boosting strategies, tax implications of specialist pensions, and retirement transition support. Differentiated niche capability within UK financial advice.
• Wealth Building Advisory Services Financial planning advisory services for individuals building wealth, including career progression advice, inheritance management, and ethical investment preferences. Targeted at those in their 20s-40s establishing financial foundations.

Quantifiable outcome

• 4.9 out of 5 rating from 214 reviews on VouchedFor
• +1 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered minor and core.

• Bristol Cricket ClubminorGTM or Marketing Partner · 1 January 2024Shirt sponsor for Bristol Cricket Club Men's Adult Teams competing in the West of England Premier League and Bristol & District League for the 2024 season. Provides community engagement and local brand visibility through sports sponsorship.
• University of the West of EnglandcoreStrategic or Co-development Partner · 1 January 2014Course Connect partnership for 10 years preparing students for financial services careers. Annual sponsorship of prize for best completion of Personal Financial Planning course. 17 students offered paid placements. Annual guest lectures delivered by firm.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Killik & Co: Boutique UK financial adviser focused on long-term financial planning, retirement, and wealth-building advice for individuals; comparable as a similarly sized, relationship-driven chartered advisory practice targeting mass-affluent to HNW retail clients across multiple life stages.
• Saunderson House: Independent UK financial adviser providing retirement, investment, and tax planning to professionals and HNW individuals; comparable as a similarly mid-sized chartered IFA with strong emphasis on retirement planning and ongoing fee-based advice.
• JM Finn & Co: UK private client investment manager and financial planner serving HNW individuals and families; comparable as a chartered, partner-led advisory firm offering holistic retirement, tax, and estate planning for multi-generational clients.

Broad incumbents

• Rathbones Group: Established UK wealth manager with discretionary investment management and advisory services for private clients, charities, and trusts; comparable as a chartered advisory peer with multi-generational client relationships and retirement/estate planning focus.
• St. James's Place: Major UK wealth manager with a large restricted adviser network offering investment and retirement planning to mass-affluent and HNW clients; comparable as a chartered-status advisory firm, though at much larger scale, competing for similar retirement-planning clientele.
• Brewin Dolphin (now RBC Brewin Dolphin): UK wealth manager offering financial planning, investment management, and advice to private clients and intermediaries; comparable as a chartered peer providing retirement and wealth planning, though at significantly larger scale and broader product range.
• Evelyn Partners (formerly Tilney): Large UK chartered wealth manager and IFA offering financial planning, investment management, and tax services to HNW individuals and families; comparable as a chartered advisory firm serving similar mass-affluent and HNW clients with holistic planning including retirement and estate planning.
• Charles Stanley: UK wealth manager providing discretionary investment management and financial planning to private clients; comparable as a similarly chartered, relationship-led advice firm offering retirement and pension planning services to individuals across the UK.
• Quilter Financial Planning (Private Client Advisers): UK wealth manager with a national restricted adviser network providing retirement, investment, and estate planning to retail and HNW clients; comparable as a chartered advisory competitor serving the mass-affluent retirement-planning segment.

Regional players

• Smith & Pinching (now part of PROSPER): Norfolk-based independent financial adviser offering retirement, investment, and tax planning to individuals; comparable as a similarly sized chartered IFA competing in a regional UK market with multi-generational clientele and broad financial planning focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/pwcltd
• Facebookfacebook.com/positivewealthcreationltd

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Positive Wealth Creation