WHAT WE HELP WITH
The questions that keep you up at night, answered properly.
Most people come to us with one thing on their mind. A pension. An inheritance. A decision they can't quite make alone. Often it isn't the thing that matters most. So we start with your life, then build the plan around it.
You don't have to know what you need
You might arrive asking about your pension and leave realising the real question was whether you can retire at 60. That's normal. Our job is to look at everything you're holding and bring it into one plan that works together. The areas below are parts of that plan, not products on a shelf.
Our areas of advice
Planning your retirement
Knowing the day you can stop working, and trusting the money will last. There are usually more moving parts than people expect. Multiple pension pots, a state pension, savings spread across different accounts, a tax bill sitting in the background. We map all of it, model your spending across different scenarios, and build a drawdown strategy that holds up whether markets behave or not.
Managing your investments
Putting your money to work without lying awake over it. Portfolios built around your life and timeline, reviewed with the same discipline every quarter. When markets move, we don't react. We adjust when the evidence calls for it, not when the headlines do. How we build and run portfolios is covered in full on the How We Invest page.
Keeping more of what you've built
Using the allowances and structures available to you so more stays with you and your family. That means pension contributions, ISA wrappers, capital gains timing, and the right income structure across each tax year. Small changes made consistently tend to make a significant difference. All advice is checked against current HMRC rules before it reaches you.
Passing wealth on
Making sure the right people receive what you intended, with as little lost along the way as possible. That covers inheritance tax planning, gifting strategies, pension nominations, and making sure your will reflects what your financial plan assumes. We work alongside your solicitor and accountant so nothing falls between them.
Protecting your family
Knowing they're looked after if something happens to you. That might mean life cover, income protection, or critical illness cover, depending on what you'd actually leave behind. We look at your mortgage, your income, your commitments, and build cover around those. Cover matched to your real obligations, not a target.
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 our clients say
"I saved a great deal of money following Eugen's advice and decided to work with him as my IFA following that experience. Since working with Eugen I have obtained very good results based on my level of Risk (which we review each year)."
— Verified client, Hampshire
VouchedFor
"He has left no stone unturned and is a persistent sort of guy who will fight your corner. He's a personable, realistic and forthright guy to deal with. I prefer direct and honest people. Also, my investments have increased under his guise more than was expected."
— Verified client, Surrey
VouchedFor
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