Frequently asked questions.
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Northcap Wealth serve clients who are predominantly based in and around London and the home counties.
We have office addresses in both London and Milton Keynes, Buckinghamshire. We are also positioned conveniently close to the counties of Hertfordshire, Cambridgeshire, Oxfordshire, Northamptonshire, Berkshire and Bedfordshire.
Whilst many of our clients are based in London and the home counties, we are not constrained by location and have clients in all corners of the UK.
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Due to our proximity to Oxfordshire, Cambridgeshire, Buckinghamshire, Northamptonshire, Hertfordshire and Berkshire, the majority of our clients will live in these counties as well as south west London.
We are close to the towns of Milton Keynes, Bedford, Northampton, Oxford, Cambridge, St Albans, High Wycombe and Marlow.
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Our typical minimum investment is £500,000. However, we recognise that some clients are still on their growth journey and expecting to accumulate wealth over time. We are delighted to support those building towards their long-term goals.
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Financial planning is about creating a clear, tax-efficient plan to achieve your life goals. Wealth management goes a step further — combining that plan with ongoing investment management to grow and protect your wealth over the long term.
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We provide comprehensive pension and retirement planning advice tailored to your personal circumstances. Whether it’s maximising workplace or personal pensions, planning for early retirement, or ensuring a tax-efficient income in later life, we help you make informed decisions with confidence.
We work with clients from our London and Milton Keynes offices, serving professionals and retirees across Cambridge, Oxford, St Albans, Northampton, Bedford, the Home Counties, and throughout London.
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We begin by discussing your personal goals, circumstances, and priorities to understand what matters most to you. Using detailed research and analysis, we then carefully select an investment strategy designed to meet your objectives, drawing on portfolios managed by trusted and experienced investment managers.
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We provide tailored retirement planning advice to help you achieve the lifestyle you want when you stop working. This includes reviewing pensions, savings, and other income sources, assessing your future needs, and creating a clear, tax-efficient plan to meet your goals.
We also guide clients on maximising retirement benefits, managing risk, and adapting their plans as circumstances change. Whether you’re approaching retirement or still building your savings, our advice is designed to give you confidence and peace of mind.
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We have summarised 5 key steps to plan for retirement:
Define your goals – Decide when you’d like to retire and the lifestyle you want, from where you’ll live to how you’ll spend your time.
Know your position – Review pensions, savings, investments, and expected spending to see what income you’ll need and where it will come from.
Build your savings – Maximise pension contributions, diversify investments, and plan for inflation to protect your future income.
Tackle debt early – Clear high-interest borrowing and consider how your mortgage will be managed before retirement.
Review regularly – Life, markets, and pension rules change. Check in often to keep your plan on track.
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Whether or not to take tax-free cash from your pension depends on your individual circumstances, financial needs, and long-term goals. Taking professional advice can help you make the right decision, optimise your tax position, and avoid costly mistakes that could affect your retirement income.
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Deciding what to do with your share options and RSUs depends on your personal financial goals, risk tolerance, and tax situation. We help you assess your options, consider timing, and create a strategy that integrates these awards into your wider wealth plan — helping you make informed decisions and avoid costly mistakes.
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Selling a business is a major financial milestone, and it’s important to plan carefully before and after the sale. We help you protect the proceeds, review your options, and create a long-term strategy for investing, managing tax, and securing your family’s financial future — ensuring you make well-informed decisions rather than rushing into choices.
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We are flexible in our approach to working with clients. Most of our clients prefer video meetings, or telephone calls. However, we do also meet in person with our clients either at their homes, places of work, or one of our office locations.
Milton Keynes
Wealth Management, Financial Advice, Investment Management, Pension Advice, Financial Planning, Retirement Planning
London
Wealth Management, Financial Advice, Investment Management, Pension Advice, Financial Planning, Retirement Planning
Buckinghamshire
Wealth Management, Financial Advice, Investment Management, Pension Advice, Financial Planning, Retirement Planning
Berkshire
Wealth Management, Financial Advice, Investment Management, Pension Advice, Financial Planning, Retirement Planning
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Choosing a financial adviser is about finding someone you trust, who understands your goals, and provides advice tailored to your circumstances. Look for experience, transparency, a clear process, and a partner who will guide you through planning, investing, and protecting your wealth with your long-term objectives in mind.
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Yes, we provide financial advice, retirement planning and wealth management services to clients who live in and around Buckinghamshire. See our dedicated pages below:
Financial Advice Buckinghamshire
Wealth Management Buckinghamshire
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Yes, we provide financial advice, retirement planning and wealth management services to clients who live in and around Bedfordshire. See our dedicated pages below:
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Yes, we provide financial advice, retirement planning and wealth management services to clients who live in and around Northamptonshire. See our dedicated pages below:
Financial Advice Northamptonshire
Wealth Management Northamptonshire
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Yes, we provide financial advice, retirement planning and wealth management services to clients who live in and around Oxfordshire. See our dedicated pages below:
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Yes, we provide financial advice, retirement planning and wealth management services to clients who live in and around Cambridgeshire. See our dedicated pages below:
Financial Advice Cambridgeshire
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Yes, we provide financial advice, retirement planning and wealth management services to clients who live in and around Hertfordshire. See our dedicated pages below:
Financial Advice Hertfordshire
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Yes, we provide financial advice, retirement planning and wealth management services to clients who live in and around Berkshire. See our dedicated pages below:
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Yes, we provide financial advice, retirement planning and wealth management services to clients who live in and around London. See our dedicated pages below:
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Yes, we provide financial advice, retirement planning and wealth management services to clients who live in and around St Albans. See our dedicated pages below:
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Yes, we provide financial advice, retirement planning and wealth management services to clients who live in and around Oxford. See our dedicated pages below:
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Yes, we provide financial advice, retirement planning and wealth management services to clients who live in and around Cambridge. See our dedicated pages below:
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Yes, we provide financial advice, retirement planning and wealth management services to clients who live in and around Milton Keynes. See our dedicated pages below:
Financial Advice Milton Keynes
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Yes, we provide financial advice, retirement planning and wealth management services to clients who live in and around Olney. See our dedicated pages below: