What Foundation Financial Planning does

Foundation Financial Planning is a privately-held UK Independent Financial Adviser (IFA) firm headquartered in Haywards Heath, West Sussex, operating under the legal entity Independent, Advanced & Clear Ltd and regulated by the FCA (FCA Number 917076). The firm provides holistic, fee-based financial planning across nine interconnected service areas: tax planning, savings and investments, bespoke portfolio planning, estate planning, pensions and longer-term savings, insurance, mortgages, and corporate services, all unified by a documented six-step financial planning process with annual reviews and continuous portfolio monitoring. Its client base comprises UK-based private individuals and small businesses, served through a hybrid of in-office consultations and remote video/phone advisory.

The firm's underlying investment methodology is built on Modern Portfolio Theory combined with Morningstar asset allocation parameters and FE Analytics for portfolio analysis, with each portfolio mapped to the client's Attitude to Risk (ATR) rather than relying on off-the-shelf model portfolios. This methodology covers investment trusts, ETFs, structured products, EIS/VCT schemes, and fixed-interest allocations, and is supported by a Chartered Financial Planner team including a Fellow of the CII and a pension transfer specialist. The firm also publishes regular market commentary, quarterly newsletters, webinars, and in-person seminars, often in collaboration with strategic partners Vör Accounting and Rohan Solicitors.

Revenue is generated through three principal streams: professional services fees for independent financial advice, transaction-based mortgage procuration fees from lenders (with full disclosure to clients), and recurring investment management fees for ongoing portfolio monitoring and annual reviews. Pricing is quote-based rather than publicly disclosed, and the no-obligation initial meeting functions as the top-of-funnel conversion point. The firm is founder-led by Gianni Campopiano, with no external institutional investors, and the principal has referenced an internal employee equity participation model.

Name

Foundation Financial Planning

Legal name

Independent, Advanced & Clear Ltd

Website

https://foundationfp.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

1–10 employees

Short description

Foundation Financial Planning is a UK-based FCA-authorised Independent Financial Adviser firm in Haywards Heath, West Sussex, delivering holistic fee-based financial planning across tax, investments, pensions, estate, insurance, mortgages, and corporate services to private individuals and small businesses in England.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory

NAICS

Portfolio Management and Investment Advice (523940), Finance and Insurance (52)

SIC

Investment Advice (6282), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Financial Planning–Led RIAs (FSAAACAB), Financial Coaching & Budgeting Advisory (FSAEAAAH)

Keywords

• Independent financial advice
• Wealth management services
• Pension advisory services
• Investment portfolio planning
• Estate planning services

Headquarters

HQ city

Haywards Heath

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Fees: The firm charges fees for providing independent financial advice on investments, pensions, tax planning, estate planning, insurance, and mortgages. Fees are disclosed to clients with transparent remuneration discussion during initial meetings.
2. Mortgage Procuration Fees: For mortgages, the firm receives procuration payments from lenders which can offset the overall advisory fee charged to clients. Full disclosure of costs and any procuration payments is provided.
3. Investment Management Services: Ongoing portfolio management and investment advisory services with annual reviews and continuous investment monitoring throughout the year.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Foundation Financial Planning is an Independent Financial Adviser (IFA) firm providing whole-of-market financial advice to UK individuals and businesses. Its core offering covers Tax Planning, Saving and Investments, Bespoke Portfolio Planning using Modern Portfolio Theory with Morningstar and FE Analytics, Estate Planning, Pensions, Insurance, Mortgages, and Corporate Services, delivered through a structured six-step Financial Planning Process with annual reviews and ongoing investment monitoring.

Product overview

Foundation Financial Planning offers independent financial advisory services through nine interconnected service areas. As an Independent Financial Adviser (IFA), they provide holistic financial planning encompassing tax planning, savings and investments management, bespoke portfolio planning using Morningstar asset allocation, estate planning, pension and retirement planning, insurance protection, mortgage advisory, and corporate services. Their Financial Planning Process serves as the unifying framework that connects all service areas, ensuring holistic advice that considers the relationship between each financial transaction and the client's overall financial position. The firm primarily serves UK individuals and businesses seeking comprehensive financial guidance.

Differentiator

Problem solved

Functional benefit

Products and services

• Tax Planning Tax efficiency planning services including income tax defrayal, capital gains tax defrayal, inheritance tax defrayal, and self-assessment assistance for individuals and businesses.
• Saving and Investments Financial planning services focused on capital accumulation, investment optimization, and maximizing returns through ISAs (Stocks & Shares, Cash, Lifetime, Junior) and investment vehicles including unit trusts and investment bonds.
• Investment and Bespoke Portfolio Planning Step-by-step bespoke portfolio service built using Morningstar asset allocation parameters, avoiding model portfolios to tailor services to individual client needs. Monitors Investment Trusts, ETFs, Structured Products, and offers recommendations on Seed Enterprise Investments, VCTs, and EIS schemes.
• Estate Planning Estate management and disposal planning including trust arrangements, offshore and onshore arrangements, gifting decisions, and cash flow modelling for efficient asset transfer to heirs.
• Pension and Longer Term Savings Independent pension and savings advice covering executive pensions, individual pensions, group pensions, income drawdown, annuities, phased retirement, and simplified planning.
• Insurance Financial protection services including critical illness cover, life assurance, key man assurance, partnership assurance, and income protection (group, family and individual).
• Mortgages Independent mortgage advisory services covering equity release, buy-to-let, domestic and commercial mortgages, with advice on product selection and affordability.
• Corporate Services Business-focused financial services including group life assurance, keyperson insurance, shareholder protection, group income protection, private medical insurance, exit strategy tax planning, and group pension arrangements with auto-enrolment support.
• Financial Planning Process Structured six-step advisory process: establish brief and objectives, record facts and assess risk attitude, establish client status, research and present alternatives, implement agreed strategy, and ongoing annual review with investment monitoring.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered minor and core.

• Dame Vera Lynn Children's CharityminorOthers · 2 September 2023Charitable partnership where Foundation Financial Planning team members participated in the 'Nuts Challenge' charity mud run, donating to support families with young children who suffer from cerebral palsy and motor learning difficulties.
• Vör Accounting Limited (Vor Accounting)coreStrategic or Co-development PartnerAccountancy partnership providing expert commentary on tax matters including Budget analysis, tax returns, personal allowances, inheritance tax, capital gains tax on property, and end-of-tax-year planning. Dominic Charles, Fellow Chartered Accountant, contributes regular content to Foundation Financial Planning newsletters.
• Rohan Solicitors LLPcoreStrategic or Co-development PartnerLegal services partnership providing expert commentary on wills, estate planning, will challenges, and legal considerations for financial planning. Martyn Gooch, Litigation Partner, and Emily Hecker, Legal Assistant, contribute content to Foundation Financial Planning newsletters.
• MorningstarcoreTechnology or IntegrationProfessional subscription service providing asset allocation parameters and investment research used in the firm's bespoke portfolio construction process. Morningstar analytics support the investment decision-making framework.
• FE AnalyticscoreTechnology or IntegrationInvestment research and analytics platform subscription used alongside Morningstar for portfolio analysis and investment decision support.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Quilter: UK wealth manager operating a platform and IFA business serving private clients with investments, pensions, and advice. Comparable in offering whole-of-market independent advice, though with a much larger platform-led distribution model.
• Cazenove (part of Schroders): UK wealth management arm of Schroders providing bespoke investment management and financial planning to private clients. Comparable in tailored portfolio construction and holistic advisory scope, though operating with larger institutional backing.
• St. James's Place: The UK's largest wealth management group with a national network of partner IFAs offering holistic financial planning. Comparable as a UK-based whole-of-market advisory brand, though significantly larger and using a restricted model rather than Foundation Financial Planning's pure independent approach.
• AFH Wealth Management: Listed UK IFA consolidator offering independent financial advice across investments, pensions, tax and estate planning. Directly comparable in service mix and independent model, though pursuing an acquisition-led growth strategy rather than Foundation Financial Planning's organic approach.
• Brewin Dolphin (now RBC Wealth Management UK): UK wealth manager offering bespoke investment management and financial planning to private clients and intermediaries. Comparable in providing tailored portfolio construction and holistic advice, but at significantly larger institutional scale.
• Tilney (now part of Evelyn Partners): UK-based wealth manager and IFA offering investment management, tax, and financial planning to private clients. Comparable scope of holistic financial advice to individuals and business owners, but operating at materially larger AUM and headcount scale.
• Rathbones Group: UK wealth manager providing discretionary investment management and financial planning to private clients, charities, and trustees. Comparable in delivering bespoke portfolio construction and holistic advice, but operating with significantly larger AUM and institutional infrastructure.

Direct peers

• Sanlam UK: UK wealth manager providing independent financial advice, investment management, and estate planning to private clients and businesses. Comparable in offering holistic advisory across investments, pensions, tax and protection, with a similar relationship-led IFA model.
• Brown Shipley: UK private bank and wealth manager providing bespoke investment management, tax planning, and financial advisory services to high-net-worth individuals and business owners. Closely comparable in offering independent-style bespoke portfolios, tax and estate planning, and corporate services to similar client profiles.

Emerging players

• True Potential: UK tech-enabled wealth management platform combining restricted adviser networks with proprietary digital investment tools. Comparable in targeting UK consumers with holistic financial planning, though differentiated by its technology-led platform model versus Foundation Financial Planning's relationship-led model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/FoundationFP
• LinkedInlinkedin.com/company/foundationfinancialplanning

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 Foundation Financial Planning