About us
We’re here to help you and your family Grab Life
Helping you make clear, confident decisions about your life and your finances.
Xentum was built around a simple belief: financial planning should be about people, not portfolios.
That’s why we chose a fixed fee financial planning model, one built around real lives, real families and real priorities.
Our role is to help you understand what matters most, build a structure around your priorities and give you the clarity to move forward with confidence.
We are a fixed fee, independent, chartered firm, owned by the people who work here and the families who helped us build it.
Founded in 2005
We’ve spent almost two decades helping people bring clarity to their lives and make decisions with confidence. Our experience has shaped a calm, structured approach that puts life first and money second exactly where it belongs. We believe in service and fixed fees not percentages and commissions.
240+ families we advise UK-wide
We support families at every stage of life, from early career planning to retirement and beyond. No matter where you live, our approach stays the same thoughtful conversations, practical planning and clarity that helps you move forward. Its not for everyone but we push to ensure you live you outcome not the one that someone tells you, you should. Were not for everyone as we challenge our clients to get the most out of there life.
Team of multiple skills and real life experience.
Our team brings together technical expertise, financial knowledge and real life understanding. We care about doing things properly, communicating clearly and helping you feel supported in every decision. Planning is personal, and we approach it that way. We put the effort in as our clients have invested there time into us and we reflect this commitment.
£1.5bn+ that we advise on for our clients
The scale of the assets we advise on reflects trust, not complexity. Whether your finances are simple or detailed, our focus remains on helping you understand what’s enough and how your money can support the life you want to live.
Why Fixed Fee Financial Planning Matters
Good financial advice should feel open, honest and human. Too much of this industry still hides behind complexity, percentages and processes that don’t put people first. We chose to do it differently.Clear. Straightforward. Genuinely useful.
Financial planning shouldn’t be reserved for people who already “have enough”.
It should be there for anyone who wants to make better decisions.
We help you understand what you have, what it means and how to use it to build a life that feels right for you.
Our fixed fee approach keeps everything transparent, so the focus stays where it should be your life, your choices and your future.
Our ‘why’
Our job is to help you live well by making clear, confident decisions about what matters most your priorities, your time and your money. We start by helping you understand the life you want to build, then we give you a plan that shows exactly how to get there. From there, we stay with you, adjusting and refining things as life changes.Finding the Right Financial Advisor – FCA Guide
The difference is simple: money isn’t the centre of this process you are. Being a life-first, money-second business is a deliberate choice, and we’ve seen time and again how much better the outcomes are when clients have clarity, control and a plan they can trust.
Our Clients View
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One meeting with Xentum and it finally clicked. Everything was explained clearly, the fee was fixed from day one, and for the first time in years we feel in control rather than confused. It’s changed how we make decisions as a family.
Mark and Pam
For the first time in years, we feel in control.
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They have slowed down everything we're doing and helped us focus on our family legacy. It never been about the money which is such a different experience.
Bryan Robson
Retired Player
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For the first time in years, we feel in control. We understand what we have, what we’re building, and what we can afford to do next.
Everything feels clearer and far less stressful.Adam F
Business owners, Manchester
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Partnering with Xentum has been a game-changer for me as a young professional footballer. Their bespoke financial packages are tailored specifically for athletes like me, ensuring not just financial security but also peace of mind. This partnership has allowed me to focus fully on my career, knowing my financial future is in expert hands.
Ethan Wheatley
First Team Player
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Planning brings control. It turns uncertainty into something you can manage and move through. I have never really reflected on it till now but I can see my direction.
Paul Sculthorpe
Rugby League Legend
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Our pensions and savings were consolidated into manageable accounts from which payments were made to us. We sold a large property and moved to a flat in London. He has advised regarding IHT planning in relation to gifting money to our children.
David L
Retiree
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I wish I’d had a service like Xentum Sport earlier in my career. A fixed fee model keeps the focus on your life, not the size of your contract. Its made a Huge difference.
Chris Smalling
Professional Player
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I am by no means an expert with anything financial! Ed always goes the extra mile to help me understand what he’s doing and is always there to answer any questions I have, even for areas outside of his expertise such as my tax return.
Lucy W
Legacy Planning
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Insofar as I have the knowledge to judge, I do not think could have been done better. He helped me understand my money and my plan.
Meralyn W
Family Estate Planning
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Ed has helped us identify our retirement objectives; agree an investment strategy; and provided regular clear updates on the performance of our funds. He's guided us through the most effective ways to invest both regular income and "one-off" sums. His advise is always clear and well presented.
Dave T
Business Planning
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Specifically with long term cash flow planning and balancing assets and cash mix I was given a clear path.
Rob D
Business owner
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As the parent of a young professional footballer, choosing the right financial partner is crucial. I've seen how easily athletes can face financial challenges at the end of their career. This is why we chose Xentum, . Their transparent fees and financial expertise has given us peace of mind knowing his finances are in safe hands.
Dave Wheatley
Parent of Professional Player
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The fixed fee saved us thousands compared to what we were paying before.
But more importantly, we now understand our finances properly.
We finally know where we stand and what decisions actually matter.Mark and Emma G
Cheshire Family
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There’s no sales pitch, just straight advice. It feels honest and grounded in our real life, not in products.
That trust makes a huge difference.Yvette H
Corporate professional, London
