Helping financial planners do more — with confidence, clarity and control
Money Wise UK is an independent investment research and consultancy business, created to support financial planners and advisory firms across the UK. We believe that great financial planning is built on trust, and we’re here to reinforce it with the evidence, structure and substance needed to help firms deliver better client outcomes.
Our approach is refreshingly collaborative. We’re not here to impose a house view or push a product. Instead, we work alongside you to develop investment solutions, governance frameworks and communication strategies that fit your clients, your values, and your business model.
Please note: We are not currently looking to add to our client base, but we remain open to meaningful collaborations and partnerships that align with our mission.
Who We Are
Money Wise UK was founded by George Ladds, a financial wellbeing author, behavioural money educator and long-time financial services professional. A former Director (SMF3) at LWM Consultants, George brings over two decades of experience in financial planning, investment research and business consultancy.
But more importantly, he brings a human, honest and practical approach that clients value, combining technical expertise with a deep understanding of how people make decisions and how money influences wellbeing.
George’s work spans behavioural finance, long-term investing, retirement psychology and client communication. Through his book, podcasts and consultancy, he helps advisers and clients alike think more clearly about money, reduce anxiety, and make confident decisions that support long-term outcomes.
At the heart of Money Wise UK is a simple guiding belief:
Treat others how you’d like to be treated.
This Golden Rule underpins everything we do — from our advice and research to how we support the advisers and businesses we partner with.
What Makes Us Different
We’ve sat on both sides of the table — as financial planners and investment consultants — so we understand the reality of delivering advice. That’s why we focus on being:
Practical and grounded
No jargon or generic frameworks — everything we create is designed to work in the real world.
Regulatory aware
Our work supports Consumer Duty, Centralised Retirement Propositions (CRP®), fair value assessments, and platform oversight.
Outcome focused
Whether it’s investment performance, governance, or communication, we focus on helping firms deliver great client outcomes.
Independent
We’re not tied to any provider or fund group. Every recommendation is driven by what’s right — not what’s incentivised.
How We Help
Investment Research & Governance
From fund selection and portfolio design to quarterly reviews, manager due diligence and platform evaluation.
Centralised Investment & Retirement Propositions (CIP & CRP®)
Designing and documenting robust, evidence-based processes that align with FCA expectations and real client needs.
Client Communication
Clear, compliance-friendly content and messaging that help advisers explain investment approaches with confidence.
Regulatory & Platform Oversight
Supporting operational due diligence, platform governance, Consumer Duty reviews and risk assessments.
Whether you're a solo adviser or part of a multi-adviser firm, we tailor our support to suit your goals, values and strategy.
Why We Exist
Financial planning has never been more important — or more complex. Our mission is to help advisers focus on what they do best: helping clients live better financial lives.
We take care of the background — the investment governance, behavioural insight, documentation and communication — so your advice can shine.
Because when the structure is strong, and the values are clear, great outcomes follow.