FIVE HORIZONS LIMITED

What FIVE HORIZONS LIMITED does

Five Horizons Limited is a UK-based discretionary wealth manager operating as a trading name of P1 Investment Services Limited, an FCA-authorized firm (FRN 752005) registered in England and Wales. Founded in 2022 by Chartered Wealth Manager Daniel Minett — whose prior roles include Deputy Office Head at Brooks Macdonald and Investment Director at City Asset Management — the firm serves two declared customer segments: private clients seeking discretionary portfolio management, and professional advisers (IFAs, financial planners, solicitors, accountants) who refer clients under a B2B2C model. The core offering is the Five Horizons Portfolio Service, comprising five risk-rated portfolios (Defensive, Cautious, Balanced, Adventurous, Global Equity) deliverable across three investment objectives (Growth, Income, Responsible), with the Responsible range overseen by the external P1 Ethical 100% Oversight Committee.

The product is delivered through a paperless, digital-only investment platform (fivehorizonsclient.investmentplatform.uk) that supports online account opening, digital reporting, mobile app access, and a broad set of account wrappers (Pension, Trust, ISA, JISA, GIA, third-party). The platform is powered by and operated under P1 Investment Services, which provides regulatory oversight, compliance monitoring, investment committee membership, quarterly committee meetings, research access, and bargaining power for cheaper fund share classes. Portfolios are benchmarked against Morningstar equity/bond indices and adopt a flexible active/passive, geography-agnostic investment approach. A digital content presence (Insights blog, LinkedIn) supports top-of-funnel awareness with market commentary.

The business model is recurring fee-based revenue on assets under management, with the firm emphasizing a competitive low-fee structure and capped charges (specific fee tiers are not publicly disclosed). Distribution is split between a direct digital channel for private clients and a referral/partner channel via professional advisers. The firm is privately held, with 1–10 employees, no disclosed funding rounds, no M&A activity, and no patents or public awards. Geographic focus is the United Kingdom, with claimed investment exposure to Europe and global markets within UK-regulated wrappers.

Name

FIVE HORIZONS LIMITED

Legal name

P1 Investment Services Limited

Website

https://5horizons.co.uk

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Five Horizons Limited is a UK-based discretionary wealth manager operating as a trading name of FCA-regulated P1 Investment Services Limited, offering risk-profiled investment portfolios to private clients and professional advisers through a digital platform.

Ownership category

akta.pro rank

Product category

Discretionary Wealth Management

NAICS

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

SIC

Investment Advice (6282)

akta.pro primary industry

Discretionary Portfolio Management (Retail) (FSAAAAAH)

akta.pro secondary industries

Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs) (FSAAABAM), Hybrid Advice (Advisor + Digital) Platforms (FSAAAAAE), Digital Brokerage & Self-Directed Investing Platforms (FSAGAEAC)

Keywords

• Discretionary wealth management
• Investment portfolio management
• Responsible investing services
• Private client investments
• Professional adviser platforms

Headquarters

HQ city

Woodford Green

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Discretionary Wealth Management Fees: Five Horizons operates as a discretionary wealth management business charging fees for portfolio management services. They emphasize a competitive fee structure and low-cost service design. Revenue is generated through management fees on client assets under management across their platform.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Five Horizons is a modern discretionary wealth manager offering five risk-rated investment portfolios (Defensive, Cautious, Balanced, Adventurous, Global Equity) across three objectives (Growth, Income, Responsible) to private clients and professional advisers. Portfolios are managed through a paperless, digital-only platform powered by P1 Investment Services, with online onboarding, digital reporting, mobile access, and support for multiple account wrappers (Pension, Trust, ISA, JISA, GIA).

Product overview

Five Horizons is a modern discretionary wealth management business offering a unified platform-plus-services model. The core offering is the Five Horizons Portfolio Service, which provides five risk-rated investment portfolios (Defensive, Cautious, Balanced, Adventurous, Global Equity) with three investment objectives (Growth, Income, Responsible). This is delivered through a digital-only platform powered by P1 Investment Services, offering paperless account opening, digital reporting, mobile app access, and support for multiple account wrappers (Pension, Trust, ISA, JISA, GIA). The Responsible Portfolios sub-brand includes ethical/sustainable investing with oversight from an external committee.

Differentiator

Problem solved

Functional benefit

Products and services

• Five Horizons Portfolio Service Modern discretionary wealth management service offering five risk-rated portfolios across three investment objectives, designed for private clients seeking professional portfolio management and for professional advisers seeking a modern outsourced solution for their clients.
• Five Horizons Client Platform Paperless, digital-only investment platform with online account opening, digital reporting, and mobile app, supporting multiple account wrappers (Pension, Trust, ISA, JISA, GIA and third party wrappers) for private clients and adviser-served clients.
• Responsible Investment Portfolio Service Ethical and sustainable investment portfolios offering five risk-rated options (Defensive to Global Equity) for clients whose primary objective is Responsible investing, managed under the oversight of an independent external committee.

Quantifiable outcome

• 69% of funds rejected in ethical screening
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 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 core.

• P1 Investment Services LimitedcoreStrategic or Co-development PartnerFive Horizons is a trading name of P1 Investment Services, which is authorised and regulated by the FCA (FRN: 752005). P1 provides regulatory oversight, compliance monitoring, membership of the investment committee, quarterly committee meetings, access to research, and increased bargaining power for cheaper fund share classes. Platform powered by P1 Investment Services.
• P1 Ethical 100% Oversight CommitteecoreStrategic or Co-development PartnerExternal committee with 3 members that provides oversight for ethical and sustainable investments. This committee rejects approximately 69% of funds analysed as they do not meet standards for the responsible range.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Evelyn Partners (formerly Tilney): Large UK wealth manager and DFM with a significant adviser-facing platform. Comparable in offering risk-graded multi-asset portfolios to private clients and professional advisers across the UK.
• Brewin Dolphin (now part of RBC Wealth Management): Major UK discretionary wealth manager serving private clients and intermediaries with risk-rated managed portfolios. Highly comparable in discretionary portfolio management, adviser distribution, and UK-focused investment approach.
• Quilter Cheviot: Large UK discretionary investment manager serving private clients and advisers with multi-asset portfolios. Comparable in target customer (UK advisers and HNW individuals), product structure (risk-rated multi-asset portfolios), and regulated DFM offering.
• Rathbones Group: UK-listed wealth manager offering discretionary investment management and advice to private clients, charities, and advisers. Comparable in multi-asset risk-rated portfolio design, adviser channel, and discretionary wealth management services.
• Brooks Macdonald: Major UK-listed discretionary wealth manager with a multi-office adviser-facing DFM platform. Directly comparable business model (adviser channel, risk-rated portfolios, discretionary mandates) and former employer of Five Horizons' founder, providing a relevant benchmark for scale and operating model.
• Charles Stanley: Established UK wealth manager offering discretionary fund management and bespoke portfolios to private clients and advisers. Comparable in target market, risk-rated multi-asset portfolios, and adviser-as-channel distribution.

Direct peers

• Saunderson House: UK boutique wealth manager offering discretionary investment management to private clients and advisers. Comparable in being a smaller-scale DFM with an adviser distribution channel and risk-rated portfolio offerings.
• 7IM (Seven Investment Management): UK discretionary wealth manager offering risk-rated multi-asset model portfolios to private clients and advisers. Comparable in product structure (multi-risk-level funds against indices), emphasis on plain English communication, and digital-first positioning.
• City Asset Management: Smaller UK discretionary wealth manager and former employer of Five Horizons' founder. Directly comparable in boutique scale, adviser channel, and UK private client investment management focus.

Others

• P1 Investment Services: Parent/host firm of Five Horizons and FCA-regulated provider of its platform, compliance, and investment infrastructure. Comparable as the operating platform enabling Five Horizons' delivery, and a fellow P1 trading-name firm offering similar DFM services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/fivehorizons

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 FIVE HORIZONS LIMITED