Ink Financial Management Limited

What Ink Financial Management Limited does

Ink Financial Management Limited is a privately held Independent Financial Adviser based at 152 Derby Road, Long Eaton, Nottingham, England. The firm is authorised and regulated by the UK Financial Conduct Authority under reference 567443 and is registered in England and Wales as company number 5197723. It operates with a headcount of six employees and provides financial planning services to individual and corporate clients in the Nottingham and East Midlands region, delivered through a sales-led motion via direct phone (0115 9728000) and email ([email protected]) channels.

The company's offering is structured around three core service areas: Protection (life protection, income protection, and business protection including keyperson, shareholder, and partnership cover), Savings & Investments (advisory on deposit accounts, bonds, equities, managed funds, and tax-efficient wrappers such as ISAs and pensions), and Pensions (personal/stakeholder pensions, SIPPs, retirement income options including annuities and flexi-access drawdown, and pension simplification advisory). Underlying technology consists of a marketing website (inkfinancial.co.uk) with Google Analytics tracking and an integrated third-party Personal Finance Portal (mypfp.co.uk); no proprietary platform, API, or AI capability is disclosed.

Revenue is generated through fee-based and/or commission-based financial advisory services in the professional services model, with no publicly disclosed pricing. The firm has no parent company, no institutional investors, no disclosed funding history, and no subsidiaries, making it an independently owned local advisory practice rather than a scaling financial services business.

Name

Ink Financial Management Limited

Legal name

Ink Financial Management Ltd

Website

https://inkfinancial.co.uk

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Ink Financial Management Limited is a UK FCA-regulated Independent Financial Adviser based in Nottingham, providing protection, savings & investments, and pensions advisory services to individual and corporate clients in the East Midlands.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Fee-Only Advisory (FSAEAAAL)

Keywords

• Independent financial advice
• Financial planning services
• Pension advisory
• Investment advisory
• Protection insurance

Headquarters

HQ city

Nottingham

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Services: Fee-based or commission-based financial advisory services providing advice on protections, savings & investments, and pensions to individual and corporate clients.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Ink Financial Management Limited is an Independent Financial Adviser based in Nottingham delivering personalised financial planning to individual and corporate clients. Core offerings span Protection (life, income, and business protection), Savings & Investments (advisory on savings vehicles and tax-efficient investment wrappers), and Pensions (personal/stakeholder pensions, SIPPs, and retirement income options), distributed through direct phone, email, and in-person consultations at its Long Eaton office.

Product overview

Ink Financial Management Limited is an Independent Financial Adviser based in Nottingham, England, providing financial planning services to individual and corporate clients. The company offers three core service areas: Protection (life protection, income protection, and business protection), Savings & Investments (investment advisory and managed funds), and Pensions (personal pensions, stakeholder pensions, SIPPs, and retirement planning). These services work together to provide comprehensive financial planning—from risk protection through to retirement income strategies—with each product area containing specific sub-products addressing particular client needs. The firm is FCA authorised and regulated (reference 567443).

Differentiator

Problem solved

Functional benefit

Products and services

• Protection Financial protection services covering life protection, income protection, and business protection to safeguard families, incomes, and property against unforeseen events such as sickness or death. Offered to individual and corporate clients.
• Savings & Investments Advisory services distinguishing between savings (accessible deposit accounts with guaranteed capital) and investments (longer-term holdings with potential for higher returns but no guarantee). Includes bank accounts, National Savings & Investments, bonds & gilts, property funds, equities, and managed investment funds, with options for tax-efficient wrappers like ISAs and pensions.
• Pensions Pension advisory covering State Pension, occupational pensions, personal/stakeholder pensions, and retirement planning, explaining different pension types and taxation implications. Includes advice on tax-efficient retirement savings and retirement income strategies.
• Life Protection Options Life assurance products including Level Term Assurance, Decreasing Term Assurance, Family Income Benefit, and Critical Illness Insurance, providing lump sum or income benefits upon death or critical illness diagnosis for individual clients.
• Income Protection Options Income protection policies providing regular income if the insured is unable to work due to ill health or accident, including standalone Income Protection and Accident, Sickness & Unemployment (ASU) policies for individual clients.
• Business Protection Keyperson, shareholder, and partnership protection providing fixed sums to cover emergency costs, recruitment, and business continuity if key employees die or become unable to work. Targeted at corporate and small business clients.
• Investment Options Investment vehicles including bank accounts, National Savings & Investments, bonds & gilts, property funds, equities, and managed investment funds, with options for tax-efficient wrappers like ISAs and pensions for individual clients.
• Personal and Stakeholder Pensions Tax-efficient retirement savings with government-added income tax relief (currently 20%), annual allowance up to £40,000, and 25% tax-free cash at retirement from age 55 for individual clients.
• Self-Invested Personal Pensions (SIPPs) Self-directed personal pensions offering control over investment choices including stocks, bonds, unit trusts, commercial property, and unquoted shares, subject to tax benefits and regulations for individual clients.
• Retirement Options Retirement income options including annuity purchase, Flexi-access Drawdown, Uncrystallised Fund Pension Lump Sum (UFPLS), phased retirement, and combination plans providing flexibility in accessing pension funds from age 55 for individual clients.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Rathbones Group: UK-listed wealth manager offering investment management, financial planning, and pensions advice to individuals, charities, and trustees. Overlapping product mix and client base (retail + institutional), but with discretionary AUM scale far exceeding a six-person IFA.
• Hargreaves Lansdown: UK's largest direct-to-consumer investment platform offering ISAs, SIPPs, funds, and pensions to retail investors. Competes with Ink Financial for self-directed and advised clients in the retail savings/investment and pension space, though platform-led rather than adviser-led.
• Evelyn Partners (formerly Tilney): Major UK wealth management and professional services firm providing financial planning, investment management, and tax advice to private clients, families, and intermediaries. Comparable across protection, investment, and pension advisory but at much larger scale and with a stronger HNW tilt.
• abrdn (formerly Aberdeen Standard Investments): Global asset manager with a substantial UK wealth platform business offering adviser platforms, investment solutions, and pension products to retail and advised clients. Comparable as a product/provider counterparty rather than direct adviser competitor, but materially shapes the supply of investment products an IFA can recommend.

Direct peers

• St. James's Place: Largest UK IFA network with thousands of advisers providing wealth management, pension, and protection advice to individuals and businesses. Closest direct peer in terms of product scope and independent-style advice model, though operating at vastly greater scale through a partnership/restricted model.
• Bestinvest: UK investment platform and adviser service offering ISAs, SIPPs, and managed portfolios to retail investors with optional advice overlay. Comparable in pension and investment selection services, with a similar mass-affluent target client and an integrated approach to investing and retirement.
• Quilter: UK wealth manager and IFA platform offering advice-led solutions across investments, pensions, and protection to individuals and corporate clients. Directly comparable in service mix (advice + platform + product) and target segments, though publicly listed and substantially larger.

Emerging players

• Moneyfarm: UK and Europe-based digital wealth manager providing managed portfolios and pension products via a robo-advisory model with optional human advice. Competes in the same retail investment and SIPP space as Ink Financial, representing the digital-native threat to traditional IFAs.
• Nutmeg: UK digital wealth manager offering robo-managed ISAs, SIPPs, and general investment accounts to retail clients. Direct overlap in the savings/investments and pensions propositions, but pure-play digital model represents competitive pressure on traditional IFAs.

Others

• Newcastle Financial Advisers / SimplyBiz (network): SimplyBiz is a major UK IFA support services and compliance network; Ink Financial appears to use a Personal Finance Portal tied to the wider SimplyBiz ecosystem. Comparable as an enabling/support provider to small UK IFAs and a structural peer in how micro-IFAs access technology, compliance, and back-office services.

Market position

Strengths2 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/ink-financial-management-limited

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Ink Financial Management Limited