What people are saying
Browse our verified VouchedFor reviews and discover why business owners, retirees, and families trust us to guide their financial decisions with care and expertise.
FAQs
About us
Do you offer independent financial advice?
Yes. We provide advice that is genuinely independent, meaning we are not restricted to any specific providers or products, and our recommendations are based solely on what is right for you
Does the Financial Conduct Authority (FCA) regulate you?
Yes, we are fully regulated by the Financial Conduct Authority. All advice and services we provide meet the required standards.
Can I choose between meeting in person or on a video call?
Yes. We are happy to meet you in person, via video call, or by phone, depending on what works best for you.
Where are face-to-face meetings held?
Our office is based at 9 George Square, Glasgow (G2 1QQ), but we typically hold meetings at a location that is convenient for you.
Do you have parking at your office?
Yes. Various NCPs, Q-Parks, and on-street parking are available nearby. We are also right next to Queen Street Station.
How long have you been providing financial advice?
We have been advising clients for 15 years, and Paramount Wealth Management was established in November 2024.
Where are you based, and do you work with clients outside your local area?
We are based in George Square, Glasgow, but we work with clients across the UK. Meetings can be held in person or remotely, depending on what suits you best.
Are your advisers or planners Chartered or Certified?
Our planners are Chartered, reflecting advanced technical knowledge, experience, and commitment to professional development.
Does your firm hold Chartered status as awarded by the Chartered Insurance Institute (CII)?
No.
Does your firm hold Accredited status as awarded by the Chartered Institute for Securities & Investment (CISI)?
No.
Do you have any client reviews or written/video testimonials, and where can I view them?
Yes. Testimonials are available on our website and via VouchedFor at: https://www.vouchedfor.co.uk/financial-advisor-ifa/glasgow/066633-keith-brooks/reviews.
What makes your firm different from other financial advisers and planners?
Advice-led, not product-led
We never reverse-engineer advice to fit products. Every recommendation starts with strategy, including tax, structure, timing, and trade-offs, and only then do we decide what, if anything, to implement. If the right answer is to do nothing, that is exactly what we advise.
Chartered, specialist planning – not generic wealth management
We operate at the technical end of financial planning, including pensions, tax planning, estate planning, and complex client scenarios. This is not “model portfolio plus annual review” advice; it is joined-up planning for clients whose finances have outgrown generic solutions.
Independent thinking inside a regulated framework
We deliberately chose a modern network structure that gives: full regulatory protection and professional indemnity cover, complete investment and product independence, and the freedom to design bespoke planning strategies. Clients receive institutional-grade oversight without institutional complacency.
Transparent, fair fees
Most financial planners charge a percentage of assets with no upper limit. We believe fees should be fair, transparent, and aligned with the value of advice. We absorb the cost of the initial meeting, cap initial advice fees at £5,000, and ongoing fees at £7,500 per product managed. Once the cap is reached, further growth benefits the client, not the adviser.
Fewer clients, deeper relationships
We intentionally limit our client numbers to ensure direct access to the adviser, avoid hand-offs to juniors, and provide proactive, rather than reactive, planning. We work best with clients who value strategic thinking, not just execution.
Built for modern clients, not legacy processes
We use technology to improve outcomes, not to impress. This includes better cashflow modelling, smarter portfolio monitoring, and more frequent planning touchpoints. The goal is better decisions, faster.
What is your FCA registration number?
Our FCA registration number is 1021390. You can verify this at https://register.fca.org.uk/s/firm?id=001Sk00000LhmbZIAR.
What are the key cities, towns, and areas you work with clients in?
We work with clients in Glasgow, Edinburgh, and London, as well as across the UK, providing both in-person and remote advice.
Working together
How can I book an initial meeting?
You can call us on 0203 951 3650 or 07817 389 632, or book via the ‘Contact us’ forms displayed throughout our website.
Do I have to pay for an initial meeting?
No, the initial meeting is provided at our expense.
What do I need to bring to an initial meeting?
Our first meeting is all about you. You don’t need to bring any paperwork or financial documents – just an open mind and a willingness to discuss your goals.
What happens in the first meeting?
We ask open questions about your current situation and what you hope to achieve. If you’re comfortable sharing, we also explore your relationship with money and your attitude to financial decisions.
How long should I allow for an initial meeting?
Approximately one hour.
Do I have to sign up to your services at an initial meeting?
No. The initial meeting is completely obligation-free. If we agree we’re a good fit, we’ll schedule a follow-up meeting to explore your objectives and financial circumstances in more detail.
Do you have a female adviser or planner I can work with?
Currently, we do not have a female adviser available.
What happens if my financial planner is away on holiday?
We’re a team, so if your usual planner is unavailable, my colleague Sam Rhodes will be able to help with any queries until I return. You can reach him at sam@paramountwealth.co.uk.
How often will I hear from my financial adviser or planner?
I am available whenever you need me. We schedule at least one meeting per year, more if your circumstances require it. We also provide updates on areas of interest, as well as important events such as the budget and the end of the tax year.
Do you offer cashflow forecasting and planning as part of your service?
Yes, cashflow forecasting is an integrated part of our service.
What happens if my circumstances change?
Please contact us as soon as your circumstances change. We will adapt your plan to reflect any new developments.
Can you work alongside my accountant or solicitor?
Yes. I prefer to work closely with all professional advisers to make sure everyone is aligned.
Can you coordinate with my mortgage adviser if they need information from you?
Yes. If you don’t yet have a mortgage adviser, we can arrange a meeting with an external professional.
Can I see an example of a financial plan?
Yes, we’ll review an example plan during your first meeting.
Will I be able to see the value of my investments online?
Yes. You will have access to a full picture of your finances online.
Do you provide an online portal for clients to view their investments?
Yes. The portal allows you to view your investments and other financial information securely. You can access the portal here.
How often will I meet with my adviser or planner?
We aim to meet clients at least once a year, either face-to-face or online, depending on your preference. Additional meetings can be scheduled as needed.
Advice areas
Can you advise on mortgages?
No, we do not provide mortgage advice. However, we can highly recommend trusted professionals who can assist you.
Can you advise on equity release?
No, we do not provide equity release advice. We can, however, recommend reputable advisers who specialise in this area.
Can you advise on personal pensions?
Yes, we provide guidance and planning for personal pensions, helping you structure contributions and withdrawals effectively.
Can you advise on occupational pensions?
Yes, we offer advice on occupational pensions, including understanding benefits and planning for retirement.
Can you help me consolidate multiple pensions?
Yes, we can help review and consolidate multiple pensions, aiming for clarity, efficiency, and long-term planning.
Can you help me take my pension tax-efficiently?
Yes, we provide strategies to access your pension in a tax-efficient manner, considering your personal circumstances.
Can you help with ethical or sustainable investing?
Yes, we can advise on investments that meet ethical, sustainable, or ESG criteria, aligned with your values.
Can you help me invest an inheritance I’ve received?
Yes, we can help structure and invest inherited funds to support your financial goals and priorities.
Can you advise on Self-Invested Personal Pensions (SIPPs)?
Yes, we provide advice on SIPPs, including investment options, tax considerations, and management strategies.
Can you advise on Final Salary or Defined Benefit transfers?
No, we do not provide advice on transferring Final Salary or Defined Benefit pensions.
Do you offer advice on long-term care or later-life planning?
Yes, we provide guidance on long-term care options, planning for later life, and strategies to protect your finances.
Can you help with Inheritance Tax planning or estate planning?
Yes, we can advise on Inheritance Tax and estate planning strategies, helping you structure your assets effectively for the next generation.
Can you advise on investments such as ISAs (Individual Savings Accounts)?
Yes, we provide advice on ISAs and other investments, helping you build tax-efficient portfolios.
Can you advise on protection such as life insurance, critical illness cover, and income replacement?
Yes, we offer advice on protection products, including life insurance, critical illness cover, and income replacement strategies.
Fees and value
Do you offer a free initial consultation?
Yes, we provide an initial meeting at our own expense, allowing you to explore your options without any commitment.
How do you charge for financial advice?
We charge a fee for the advice we provide: 1% of the amount invested, capped at £5,000, with ongoing fees of 0.75% per annum, capped at £7,500 per product.
What is your minimum fee?
The minimum initial fee is £1,500, with an ongoing fee of £1,500 per annum.
Do you charge fixed fees or a percentage of my investments?
Our fees are a percentage of your investments, with a cap to limit the impact of costs as your portfolio grows.
Do you receive commission?
We do not receive commission from any pensions or investment products. Some protection policies pay commission, and we will always make these clear before proceeding.
Do you charge VAT?
No, our services are exempt from VAT.
How do I know if your fees are competitive?
We undertake regular market research to ensure our fees provide excellent value, reflecting the quality, expertise, and depth of advice we deliver.
How do your fees compare to other advisers or planners?
Most advisers charge an initial fee of around 1–3%, often uncapped, and ongoing fees of 0.75–1% per year, typically with no upper limit. Fees rise as portfolios grow, regardless of added complexity or work.
Our approach is different:
- Fees are capped, so costs do not rise endlessly as assets grow
- Charges are explicit, with no cross-subsidy, product bias, or hidden margins
- Fees are linked to advice and responsibility, not simply asset-gathering
For many clients, particularly those with larger or growing portfolios, this structure results in lower total fees over time, even as the quality and depth of advice increase. For others, costs may be similar, but the structure is clearer, fairer, and easier to review.
How can I find your fees?
Detailed information is available on our website: www.paramountwealth.co.uk/fees.
Who we work with
Can you help me retire early?
Yes, we can work with you to create a strategy that supports your goals for early retirement, balancing investment growth, tax planning, and lifestyle considerations.
Can you help me plan my retirement?
Yes, we provide tailored retirement planning, helping you understand your options, project income, and structure your finances to achieve the retirement you envision.
What type of clients do you typically work with?
We typically work with professionals, business owners, and families seeking peace of mind, clarity, and confidence with their finances, alongside a professional financial planner who understands their goals and circumstances.
Do you work with younger clients who are still building wealth?
Yes, we offer a digital service for younger clients, as well as support for the children and grandchildren of the families we work with.
Do you work with company directors or self-employed clients?
Yes, this is a key specialism. We understand what it means to own, run, and sell a business, and provide advice that reflects the unique challenges and opportunities business owners face.
Do you work with clients approaching retirement or already retired?
Yes, we help clients at all stages of retirement, whether planning ahead or managing income and investments in later life.
Can you help clients who have inherited money?
Yes, we advise on how to structure, invest, and protect inherited assets, helping clients make the most of their windfall.
Can you help clients who have sold, or are in the process of selling, a business?
Yes, we guide clients through financial planning for pre- and post-sale scenarios, including tax, investment, and wealth protection considerations.
Can you help clients manage their finances after a bereavement?
Yes, we provide sensitive, structured guidance to help clients organise their finances, review their estate, and plan for the future.
Do you specialise in working with business owners, retirees, or professionals?
Yes, we focus on these groups, tailoring our planning to their specific circumstances, goals, and challenges.
Do you offer financial advice for expats or non-UK residents?
No, we do not provide advice for clients living outside the UK.
Can you help if I already have existing investments or pensions elsewhere?
Yes, we review existing arrangements and integrate them into a cohesive plan aligned with your objectives.
Is there a minimum amount of investable assets or income I need to become a client?
There is no minimum, although our fee structure may be less suitable for clients with less than £100,000 to invest.
Trust, safety, and compliance
Are my investments protected by the Financial Services Compensation Scheme (FSCS)?
Yes, eligible investments are covered by the FSCS, providing compensation up to the scheme’s limits if the provider fails. Coverage depends on the type of investment and individual circumstances.
What happens if something goes wrong or I have a complaint?
We aim to resolve any complaint or disagreement directly. If this is not possible, clients can submit a complaint in writing or via email to our regulatory principal, ValidPath Limited, who will investigate and respond.
How do you keep my personal data secure?
We use the latest encryption and security measures to protect all client information, ensuring sensitive data is stored and transmitted safely at every stage.
Are you insured to give financial advice?
Yes, our Professional Indemnity Insurance is provided through our regulatory principal, ValidPath Limited, protecting both our firm and our clients.
How can I check your FCA registration and authorisation?
You can view our entry in the FCA register here:
https://register.fca.org.uk/s/firm?id=001Sk00000LhmbZIAR.
Do you have client stories or case studies I can read?
Yes, client testimonials and case studies are available on our website and via VouchedFor.
How do you measure client satisfaction?
We regularly ask clients for feedback at various stages of our engagement. This data is collected via VouchedFor and is publicly reported to provide transparency.
Have you won any awards or accreditations?
Yes, we have received recognition for our services and client experience.
Are you featured on VouchedFor?
Yes, in addition to our VouchedFor presence, we have been recognised by SME News and the UK Finance Awards 2025:
- Boutique Financial Planning Firm of the Year 2025 – Scotland
- Digital Advisory & Client Experience Innovation Award 2025.
Straight from our clients
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Watch Brendan's story
Keith’s knowledge and passion are a game-changer for me and my clients.
Brendan Kelly
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Watch Brendan's story
“It gives me peace of mind knowing Keith takes such good care of my clients.”
Brendan O’Donnell
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Watch David's story
It’s reassuring to know retirement doesn’t mean losing the life we love.
David Longair
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Watch David's story
Keith’s advice has given me the confidence to plan for early retirement.
David McLellan
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Watch John's story
I feel reassured, supported and confident that my pensions are on track.
John Farrell
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