Money Advice and Planning LTD

What Money Advice and Planning LTD does

Money Advice and Planning Ltd (trading as MAP Money Advice & Planning, MAP Finances, MAP) is a privately held, FCA-authorized independent financial advisory firm headquartered at Hillington Park, Glasgow, serving individual clients across Central and South Scotland. The firm delivers personalized advice through qualified independent financial advisers across six core service lines: mortgages (residential, buy-to-let, adverse credit), insurance and protection, savings and investments (including ISAs, investment bonds, VCTs, EIS, structured products), equity release, retirement planning (SIPP, DB transfers, annuities, drawdown), and tax planning. It also offers a corporate employee benefits line.

The firm's underlying technology consists of human-delivered advisory processes supported by a proprietary Recommended Fund List (RFL) that screens funds on 5-year and 3-month performance windows and categorizes them by risk band, alongside a simplified Cash Flow Modelling tool. There is no AI, digital onboarding platform, or automated investment engine; services are provided via face-to-face and remote adviser meetings.

MAP operates a mixed revenue model combining recurring AUM-based subscription fees (Platinum 1.2%, Gold 1.0%, Silver 0.75% p.a., capped at £18,000), transaction-based fees on mortgages, equity release, investments, and annuities (capped at £25,000), and commission from protection/insurance providers (capped at £30,000). Initial consultations are free. Differentiators include FCA regulation, voluntary Pension Transfer Gold Standard accreditation for DB transfer advice, the Investors In People workplace award, and a one-stop-shop multi-product proposition. Marketing is content-led via quarterly newsletters, blog insights, and social channels. The firm is owner-operated by Iain Singleton, with a compliance director and director of mortgage business forming the senior leadership group.

Name

Money Advice and Planning LTD

Legal name

Money Advice & Planning Ltd

Website

https://mapfinances.co.uk

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Money Advice and Planning Ltd is an FCA-authorized, Glasgow-based independent financial advisory firm offering mortgages, investments, pensions, protection, equity release, and tax planning to individual clients across Central and South Scotland via qualified IFAs under tiered subscription and transaction-fee pricing.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory Services

NAICS

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

SIC

Investment Advice (6282), Loan Brokers (6163)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Estate & Legacy Planning Advisory (FSAEAAAG), Fee-Only Advisory (FSAEAAAL)

Keywords

• Financial advisory services
• Mortgage advisory
• Retirement planning
• Investment advisory
• Personal financial advice

Headquarters

HQ city

PARK, GLASGOW

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 Advisory Fees: Fees charged for financial planning services including policy reviews, financial planning reports, and pension transfer advice. Initial fees are charged for reviews and planning reports, with ongoing service packages for continued advisory.
2. Mortgage Advisory Fees: Percentage-based fees on mortgage loan amounts for residential, buy-to-let, and adverse credit mortgages, plus procuration fees from lenders.
3. Investment and Pension Management: Percentage-based charges on funds invested or transferred, with tiered structures for active investments and fixed percentages for passive and DFM-based investments.
4. Insurance/Protection Commission: Commission received from insurers for protection and insurance products, capped at £30,000.
5. Equity Release Advisory: Percentage-based fees on equity release loan amounts, plus procuration fees from lenders.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Money Advice & Planning is an independent financial advisory firm providing personalized financial planning to individual clients across Central and South Scotland. The firm delivers advice across mortgages, insurance and protection, savings and investments, equity release, retirement planning (including defined benefit pension transfers), and tax planning, through qualified advisers supported by a Recommended Fund List investment process and tiered ongoing service packages.

Product overview

Money Advice & Planning (MAP) is a financial advisory firm offering a comprehensive suite of financial planning services through human financial advisers. The core offerings span six main service areas: mortgages (covering residential, buy-to-let, and adverse credit products), insurance and protection (life, critical illness, income protection, and general insurance), savings and investments (including ISAs, investment bonds, investment trusts, VCTs, EIS, and structured products), equity release (lifetime mortgages and home reversion plans), retirement planning (personal pensions, SIPPs, group pensions, and pension drawdown), and tax planning. The firm provides tiered ongoing service packages (Platinum, Gold, Silver) for investment clients and specialized services for business clients including employee benefits packages, relevant life cover, and key person protection. All services are delivered through qualified independent financial advisers, not automated or AI-driven platforms.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Advisory Mortgage advisory services covering standard residential mortgages, buy-to-let mortgages, remortgages, and adverse credit lending, with access to the entire UK mortgage market. Fees are percentage-based on loan amount (e.g., 0.5% standard, 0.75% buy-to-let, 1% adverse credit) with minimums and maximums, plus lender procuration fees. Targeted at individual home buyers, property investors, and those with impaired credit.
• Insurance and Protection Advisory Advisory and arrangement of protection products including life insurance, critical illness cover, income protection, family income benefit, whole of life cover, buildings and contents insurance, mortgage protection, and accident, sickness and unemployment cover. Commission-based revenue capped at £30,000 per policy. Targeted at individuals and families seeking financial protection against life events.
• Savings and Investments Advisory Investment advisory services covering investment trusts, investment bonds, venture capital trusts (VCTs), enterprise investment schemes (EIS), general investment accounts (GIAs), unit trusts, OEICs, structured products, and multi-asset investing strategies. Backed by the firm's Recommended Fund List (RFL) process and tiered ongoing service packages (Platinum, Gold, Silver). Targeted at individuals building long-term, tax-efficient wealth.
• Equity Release Advisory Equity release advisory for homeowners aged 55 and over, covering lifetime mortgages and home reversion plans. Fee is 1% of the loan amount with a £595 minimum and £2,000 maximum, plus lender procuration fees. Targeted at older homeowners seeking to access property wealth without moving.
• Retirement Planning Advisory Retirement and pension advisory including personal pensions, self-invested personal pensions (SIPPs), group pensions, small self-administered schemes (SSAS), defined benefit (final salary) pension transfers, pension annuities, and pension drawdown. The firm adheres to the Pension Transfer Gold Standard for safeguarded and defined benefit transfers. Includes cash flow modelling for projected pension income. Targeted at individuals planning retirement and pension income.
• Tax Planning Advisory Tax planning strategies covering income tax optimization, inheritance tax planning, capital gains tax mitigation, and pension contribution strategies. Delivered alongside investment and retirement planning advice. Targeted at individuals and small business owners seeking tax-efficient structuring.
• Financial Employee Benefits Packages Corporate employee benefits advisory service helping employers design and administer financial wellbeing packages for staff. Targeted at small business employers seeking to provide financial benefits to employees.
• Existing Policy Review Flat-fee review of a client's existing financial policies. The £500 fee is waived if the client subscribes to an ongoing service package. Targeted at individuals seeking a one-off assessment of their current financial arrangements.
• Detailed Financial Planning Report Comprehensive financial planning report produced as a one-off engagement. Flat fee of £1,000, waived if the client subscribes to an ongoing service package. Targeted at individuals seeking a comprehensive written financial plan.
• Equity Release Advisory (Home Reversion Plans) Advisory and arrangement of home reversion plans, where a homeowner sells all or part of their home to a reversion provider while retaining the right to live there. Provided as part of MAP's equity release service line for homeowners aged 55 and over.
• Relevant Life Cover Life insurance policy for directors and key employees of small businesses, providing death-in-service benefits via an employer-owned policy. Targeted at small business owners seeking tax-efficient life cover for key personnel.
• Key Person Cover Business protection insurance covering loss of key employee income or value due to death or critical illness. Targeted at small businesses dependent on key individuals.

Quantifiable outcome

• Regulatory compliance with FCA standards and Pension Transfer Gold Standard for defined benefit pension transfers

Named customers2 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Financial Conduct Authority (FCA)coreOthersMAP is authorized and regulated by the FCA to provide financial advice to UK-based individuals and organisations. This regulatory relationship ensures compliance with UK financial services regulations.
• Pension Transfer Gold StandardcoreOthersMAP adheres to the Gold Standard; a voluntary code of good practice for safeguarded and defined benefit pension transfer advice, demonstrating commitment to best practices in pension advice.
• Investors In PeopleminorOthersMAP holds the Investors In People award, which recognizes how the company treats customers and staff alike with respect and understanding.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Emerging players

• True Potential: UK technology-enabled wealth management platform connecting advisers and clients with digital investment solutions. Adjacent to MAP's model — competes for the same clients but with a hybrid digital/adviser approach.

Broad incumbents

• Sanlam UK: UK wealth manager and adviser network providing financial planning, investment, and protection solutions through affiliated advisers. Comparable broad-advisory footprint and product set to MAP.
• St. James's Place: UK's largest wealth manager with a national network of advisers offering holistic financial planning, investment management, and pension advice. Comparable to MAP through its comprehensive advisory model, though at vastly larger scale.
• Evelyn Partners (formerly Tilney): Large UK-based wealth management and professional services group providing investment management, financial planning, and tax advice. Overlaps with MAP in offering integrated financial planning, retirement, and investment services to individuals.
• Quilter: UK wealth management business serving advisers and clients with platform, investment, and financial planning solutions. Comparable to MAP as a regulated advisory/wealth provider in the UK retirement and investment space.
• Brewin Dolphin (part of RBC Wealth Management): UK wealth manager providing discretionary investment management and financial planning to individuals, trusts, and charities. Overlaps with MAP's investment and retirement advisory focus.

Direct peers

• Ascot Lloyd: UK IFA firm providing financial advice on pensions, investments, mortgages, and protection through regional adviser teams. Highly comparable to MAP's regional-adviser, full-service UK advisory model.
• Foster Denovo: UK national IFA firm offering financial planning, wealth management, mortgages, and protection through a network of advisers. Closely comparable business model to MAP — holistic advice across investments, pensions, mortgages, and protection.
• Wren Sterling: National UK financial adviser offering retirement, investment, mortgage, and estate planning services. Direct overlap with MAP's comprehensive service mix delivered through qualified advisers.
• Whitechurch Securities: Boutique UK financial advisory firm providing investment management and financial planning to private clients. Comparable to MAP's focus on personalized advice and ongoing portfolio management.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtwitter.com/mapfinances?lang=en-GB
• Facebookfacebook.com/mapfinancesuk
• LinkedInlinkedin.com/company/money-advice-&-planning-ltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 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 Money Advice and Planning LTD