Calton Wealth Management

What Calton Wealth Management does

Calton Wealth Management is a UK-based, independently operated financial planning and wealth management firm founded in 2020 and headquartered in Edinburgh, with additional offices in Peebles and London. The firm is authorised and regulated by the Financial Conduct Authority (FRN 958604) and operates as a private, independent practice serving high-net-worth individuals, families, business owners, farmers, and pension-rich clients across the UK.

The firm's core offerings span financial planning, investment/wealth management, tax planning, retirement planning, estate planning, risk management, education planning, and financial coaching. Portfolio services include a Portfolio Evaluation Service for prospects holding investments elsewhere, discretionary portfolio management, and Custom Index Solutions that allow clients to build tailored index-based strategies. The proposition emphasises values-based, client-led advice delivered by Chartered financial planners rather than sales-driven, product-push models.

The business model is fee-based rather than commission-led. Revenue is generated through fixed fees for one-off planning work, a capped 1% implementation fee on invested assets, ongoing subscription fees scaled to assets under advice, and a residual insurance commission line. This pricing structure aligns the firm with clients on a long-term, recurring basis and supports the multi-year relationship intensity cited in client testimonials. The firm is privately held and has not disclosed external funding, M&A activity, or financial results.

Name

Calton Wealth Management

Legal name

Calton Wealth Management Ltd

Website

https://caltonwm.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Calton Wealth Management is a UK-based, FCA-regulated independent financial planning and wealth management firm serving high-net-worth individuals, families, business owners, and farmers across its Edinburgh, Peebles, and London offices.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)

akta.pro secondary industries

Comprehensive Financial Planning (FSAEAAAA), Discretionary Portfolio Management (Retail) (FSAAAAAH)

Keywords

• Wealth management services
• Financial planning
• Investment management
• Retirement planning
• Estate planning

Headquarters

HQ city

Edinburgh

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Fixed Fee Financial Plans: Fixed fee based on complexity of situation and time involved, agreed upon after initial meeting. No commission on investment or pension work.
2. Implementation Fees: Maximum 1% implementation fee on invested funds when implementing financial plans.
3. Ongoing Service Fees: Recurring fees for ongoing plan monitoring, reviews, adjustments, tax advice, and administrative support. Fee agreed upfront with flexibility to cancel.
4. Insurance Commission: Commission options for insurance disclosed; clients may opt for a fee instead. No commission received for investment or pension work.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Calton Wealth Management delivers fee-based financial planning and investment management services to individuals, families, and business owners in the UK. Its core offering combines cashflow modelling-driven financial plans with discretionary and bespoke investment management, supported by ongoing advisory, tax planning, retirement planning, estate planning, and education planning services.

Product overview

Calton Wealth Management offers a unified financial planning and wealth management service platform. The core offering consists of integrated services including Financial Planning and Cashflow Modelling, Wealth Management, Tax Planning, Retirement Planning, Estate Planning, Education Planning, Risk Management, and Financial Coaching. These services are designed to work together holistically, with Financial Planning and Cashflow Modelling serving as the foundational planning methodology that informs all other services. Wealth Management provides the investment management layer with bespoke Custom Index Solutions, while Tax Planning, Retirement Planning, and Estate Planning address specific financial objectives. Financial Coaching delivers ongoing advisory support throughout the client relationship. The company also offers a complimentary Portfolio Evaluation Service for prospective clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning and Cashflow Modelling Strategic financial planning with personalised plans encompassing short-term needs and long-term goals, delivered through meticulous cashflow modelling to help clients navigate financial challenges with confidence. Targeted at individuals, families, and business owners seeking holistic planning.
• Wealth Management Tailored wealth management strategies focusing on diversification, risk management, and long-term growth, with comprehensive solutions spanning investment management and estate planning for individuals, families, and businesses.
• Tax Planning Strategic tax planning and proactive tax management to minimise tax liabilities while maximising savings and benefits, ensuring compliance while optimising client tax position.
• Retirement Planning Personalised retirement strategies assessing retirement readiness, crafting income strategies, and exploring retirement vehicles tailored to lifestyle preferences and financial aspirations.
• Estate Planning Estate planning services including will preparation, power of attorney, trusts, gifting strategies, and intergenerational wealth planning to maximise beneficiary inheritances.
• Education Planning Financial planning services for saving towards educational goals, including planning for children's education expenses.
• Risk Management Comprehensive risk assessment and management services to protect client assets and financial well-being.
• Financial Coaching Ongoing advisory programme providing guidance and actionable insights to empower clients to make informed financial decisions, manage debt, build savings, and improve financial literacy.
• Custom Index Solutions Bespoke equity selections tailored to individual requirements, allowing targeted cost-effective solutions that precisely meet investment aspirations while avoiding overexposure to stocks clients may already own.
• Portfolio Evaluation Service Free impartial assessment of current investment strategy and performance plus analysis of fees paid, offered to prospective clients as a lead-generation service.

Quantifiable outcome

• Implementation fee capped at maximum 1% on invested funds
• +1 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Mattioli Woods: UK wealth management and employee benefits firm providing financial planning, investment management, and pension/scheme services to HNW clients and business owners. Comparable integrated service offering to Calton.
• Rathbones Group: UK-listed wealth manager providing discretionary investment management, financial planning, and advice to individuals, families, and charities. Overlaps directly with Calton's HNW wealth management and financial planning offering at significantly larger scale.
• Quilter plc: UK wealth manager combining a platform with advised business serving affluent and HNW clients through financial advisers. Directly comparable in target customer and holistic financial planning proposition.
• St. James's Place: One of the largest UK wealth managers with a broad adviser network offering financial planning, investment management, and tax/estate services to HNW and mass-affluent clients. Comparable to Calton in service mix but vastly larger in scale and partner-restricted product set.
• Brewin Dolphin (RBC Wealth Management): UK wealth manager acquired by RBC offering investment management and financial planning through UK offices. Comparable target market and proposition to Calton with a much larger footprint and adviser headcount.
• Evelyn Partners: UK wealth management and professional services firm offering financial planning, investment management, and tax/estate services to HNW individuals and business owners. Closely comparable service breadth and HNW/family business client focus.

Direct peers

• Rowan Dartington: UK discretionary wealth manager within the St. James's Place group offering bespoke portfolio management and financial planning. Comparable in bespoke investment capability and HNW client focus to Calton's Custom Index Solutions proposition.
• JM Finn: UK private investment manager offering discretionary investment management and financial planning to HNW individuals, families, and advisers. Closely comparable in bespoke investment positioning and HNW client base.
• Saltus Partners: UK-based independent financial adviser and wealth manager serving HNW individuals with financial planning, investment management, and tax planning. Closely comparable in size, independence, fee structure, and holistic service model to Calton.
• Tatton Asset Management: UK discretionary investment manager and IFA support business serving advisers and their clients. Comparable in offering model-portfolio and bespoke investment solutions to UK HNW clients, with focus on adviser support.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/caltonwm
• Instagraminstagram.com/caltonwm
• Facebookfacebook.com/caltonwealthmanagement

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Calton Wealth Management