Turning Financial Complexity into Personal Freedom
At N2, we believe wealth is a vehicle, not a destination. We provide the technical mastery and life-centric planning required to maintain your momentum.
Authorised and regulated by the Financial Conduct Authority
Ref 837211
Who we help
Approaching retirement
You've spent decades building what you have. The salary, the pension, the investments — each decision made sense at the time, even if they were never really joined up. Now the question is shifting. It's no longer about accumulation. It's about whether what you've built is actually enough, how you take an income from it without running it down too quickly, and what you want the next chapter to look like. That takes more than a drawdown strategy and a number on a spreadsheet.
Already retired
Retirement isn't a finish line — it's a new set of decisions. How much can you spend without anxiety? What happens to your estate if things change? Are your investments still structured for where you are now, rather than where you were when you first set them up? The financial questions don't stop when you stop working. We help you stay on top of them so your money keeps pace with your life, not the other way around.
High earners not yet planning
Good income, growing assets, a pension that's probably fine, and genuinely not enough hours in the day to think carefully about any of it. If that sounds familiar, you're not alone. The problem with financial autopilot is that individually reasonable decisions — a pension here, an ISA there, a protection policy you barely remember taking out — tend to drift apart over time. By the time you sit down to look at the full picture, it rarely adds up the way you'd expect.
US citizens living in the UK
Living in the UK as an American citizen means navigating two tax systems simultaneously, each with their own rules, their own filing requirements, and their own ways of making things complicated. Pensions, investments, property, and estate planning all behave differently depending on which side of the treaty you're looking from. Getting this wrong is easy. Getting it right requires someone who genuinely understands both sides — not just one with a passing familiarity with the other.
Recent inheritance or lump sum
Coming into a significant sum of money — whether through inheritance, a property sale, or a business exit — tends to come with an immediate pressure to do something with it. That pressure is worth resisting. The decisions you make in the first few months can take years to unwind if they turn out to be the wrong ones. We help you slow that down, understand what you actually have, what it means for your wider financial picture, and what the sensible next steps look like before anything is committed.
How financial planning could help you
A second pair of eyes you can trust
There's real value in having a Chartered financial planner go through your finances and confirm that everything is in order — or tell you plainly when it isn't. No glossed-over problems, no decisions left unexamined. Just an honest assessment from someone who's seen what goes wrong and knows how to prevent it.
Portfolios built for the real world
Markets don't behave predictably. Plans need to hold up anyway. We build investment strategies designed to remain robust across different economic conditions — not structured around a single forecast that may or may not come true.
Your plan starts with your life
Most financial planning starts with products, portfolios, and tax wrappers. Ours starts with what you actually want — the life you're working toward, the things you'd rather not compromise on, and the timeline that matters to you. The money part follows from that.
Nothing falls through the gaps
Pensions, investments, protection, tax, estate — most people have all of these in some form. Very few have them working together. We look at the whole picture, find where things don't add up, and make sure every part of your financial life is pulling in the same direction.
The Standard of Advice
Not every financial planner is the same. The Chartered Financial Planner designation is one of the most rigorous qualifications in the profession. N2 holds Corporate Chartered status at firm level, which means every planner here meets that standard, and it is reviewed every year. You are not betting on one person's credentials. The bar is set firm-wide.
N2 is also independently authorised by the Financial Conduct Authority (FRN 837211). That means no ties to any product provider, fund house, or investment platform. Every recommendation follows a comprehensive and fair analysis of the whole market — unrestricted. You get the right answer, not the nearest available one.
FCA
FCA Authorised
Independent
Fully independent advice
Independent
Fully independent advice
FCA
FCA Authorised
What to expect when working with us
Financial planning with N2 follows a clear path — from an initial conversation to a written plan built around your life, and an ongoing relationship that keeps it on track as things change.
find out more01
Getting to know each other
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Understanding your situation
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Making sense of where you stand
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Building your plan
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Putting the plan into action
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Reviewing life as it moves on
What our clients say
"The outcome has been exactly what we envisaged. We are able to live on the income we hoped for, we are not wealthy but in the area we live we are comfortable, afford a holiday and buy nice gifts for our children and granddaughter (the latter only as a result of Alex's stewardship of my fund)."
— Verified client, South Yorkshire
VouchedFor
"Alex modelled and forecast my current pensions and how long they would last, for a number of scenarios. I was then able to use this insight to sort out my savings and overall finance plan. This has brought me great peace of mind and a feeling of being in control."
— Verified client, Nottinghamshire
VouchedFor
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