Testimonials.

We became clients of Julius and Plutus via a strong recommendation from a close friend, who enthusiastically told us that he is ‘brilliant’ – they did not exaggerate. What they failed to mention is what an affable, charming and conscientious chap he is too, he’s a joy to work with.

From the outset, Julius took the time to really understand our situation in depth and the level of detail and thought in his Financial Planning for us has been exceptional. He has gone above and beyond on several occasions, introducing us to his network too. We are consistently impressed by both the service and the professionalism of everyone we have worked with at the firm.

Since becoming clients, we have seen strong investment performance which has further reassured us that we are on the right path, not just for ourselves, but for our daughter’s future too, whom the firm also now looks after. The regular updates and insights from Plutus have kept us well-informed and confident in the decisions we are making.

We used to manage our investments independently but decided to seek professional advice to ensure we were maximising tax planning and crafting our finances most effectively for retirement. Investing in that advice was a superb decision, we thoroughly appreciate Julius and his ethical approach to life and cannot recommend Plutus highly enough.

Before joining Plutus, my assets were being managed by a well-known private bank, but I was increasingly conscious of the high management costs and the lack of a truly personalised Financial Plan from them – I thought I was getting a tailor-made service but gradually discovered I was one of a herd. I have complex financial affairs and with a number of property interests and transactions to consider, my situation required careful, informed planning.

Plutus stood out immediately for their professionalism, clarity, and value. They have helped me navigate the complexities of property income, finance and sales, while also putting in place thoughtful inheritance tax planning and Trusts for the benefit of my grandchildren. This has been invaluable during the many Budgets and blizzard of recent ever-changing political landscapes.

Having spent my career in the Financial Services sector running a successful business which I sold, I have high expectations – and I can say with confidence that Plutus consistently meets them. The level of service, insight, and investment performance I receive from the firm is well ahead of what I experienced with the Private Banks and other Wealth Managers I engaged with, and at a better fee structure too!

I am very pleased with Julius, Mark and Claire, and the wider team and would not hesitate to recommend them. They are not only professional, but also extremely nice people, who are a pleasure to deal with.

My wife and I have worked with Mark and Plutus for over 15 years, dating back to my time as General Counsel for a large international financial institution and continuing into our retirement. Their advice has been invaluable across a wide range of areas, including pensions, annual allowance and lifetime allowance planning, capital gains tax mitigation and mortgages and in dealing with legacy assets from our time living overseas. They also advised on and then built a sensible tax-advantaged strategy to provide passive tax-free income. Thanks to their sound advice, we have been able to restructure and plan our finances with a view to achieving growth but in a tax-efficient manner.

I have held monies in several of their portfolios throughout my time with Plutus, and as someone familiar with the asset management industry and the challenges of attaining steady investment performance, I am continually impressed by their results.

Now in retirement, Plutus has helped me to organise and access our investments in a way that has allowed us to fund some extensive home renovations and to manage our ongoing financial needs. They have not only looked after me but have also provided advice and guidance to other members of my family, some of whom are also now direct clients of Plutus. The team as a whole is bright and responsive, and in these automated and outsourced times, it is reassuring to know that I can always call and speak to Mark, or another member of the team, directly.

We started working with Mark and Plutus in 2018 after seeking some investment advice while working overseas. This initial enquiry has evolved into something akin to full financial and lifestyle planning as our family has moved through a number of key decisions and life phases such as returning to the UK, a house purchase, ongoing investment and into retirement.

The ongoing advice and guidance from Mark and the team has given us the confidence and re-assurance to make some big decisions and be bolder than we would have been if acting on our own without financial planning advice.

We particularly appreciate the balance of long-term outlook supported by their forward looking modelling and analysis of historical calamities, coupled with the shorter term adjustments that take into account occurrences such as changes in markets and legislation. We have a great relationship with Mark, which goes beyond being just another Client who is given advice straight from a standard corporate playbook.

To say the last seven years have been life changing is no exaggeration whatsoever.

After Steve’s successful business exit and subsequent retirement, and given the sums involved and the fact that he wasn’t going to make any more, we needed expert guidance to allocate the proceeds wisely and plan for the future.

Working with Julius and Mark – and indeed the entire Plutus team – has been a lovely experience. They have been careful stewards of our capital, building a Financial Plan for us that allows us to enjoy a sustainable income, support the children’s ventures, and remain flexible enough to invest in opportunities as and when they arise.

The advice is always thoughtful, the planning is detailed, and the team consistently delivers with professionalism and care. They accommodated all our needs, such as ethical investing for some of our funds, and we feel very fortunate to have found a firm that truly understands our goals and helps us make the most of this exciting

Julius and the Plutus team have played a key role in guiding us through our transition into full retirement, helping us access our money in a tax efficient way that supports the lifestyle we had hoped for. His advice was also invaluable in helping with planning and providing for the care needs of Grace’s late mother, something that could have been very overwhelming without the right support.

Thanks to the detailed financial planning and his ongoing guidance, we are now living our dream retirement, with plenty of travel and peace of mind. We are also pleased with the firm’s investment performance which has been very strong, as they carefully navigated us through all the ups and downs of the last few years – through Brexit, Covid, the US elections, etc – and we really appreciate the regular updates and communication from the team. It is reassuring to know we are in such capable hands for this important stage of our life.

I reached out to Plutus to explore if I could retire now and pursue voluntary work. I had several workplace pensions from my career as well as savings, and I was concerned about organising them to better suit my circumstances and optimize and simplify my assets to provide for the future. From the initial phone call, through to an online video session and face-to-face meeting, Stefan and Mark made me feel completely at ease through gaining a thorough understanding of my circumstances and aspirations whilst answering all my many questions with frankness and deep domain experience.

We agreed on a clear, fixed implementation fee and I appreciated how Plutus plays with a straight bat when it comes to any costs. They conducted a comprehensive review of my pensions and helped me deploy my cash across different tax wrappers, utilising all my available tax reliefs. Thanks to their sound guidance, I’m now looking forward to a secure retirement.

I have known Ruban for 15 years and with his careful pension and tax planning, he has transformed my pension and investment plans for retirement. He knows his subject so well and is able to plan for each individual rather than the same for all of his clients. I can’t praise him enough. He’s far exceeded what I expected. It has just been brilliant having Ruban there as a shepherd to my finances.

I’m also very grateful to him for always responding so quickly to my contacts and being constantly pro-active in identifying ways of improving things. For example, when tax rates and rules change, he identifies the best thing for me to do and arranges it for me. I genuinely sleep easier knowing my money is being looked after by him.

My sister and her husband had been happy clients of Mark’s for over 10 years by the time I reached out to see if he could help our family too. We were both starting to achieve some success at work and wanted to understand what tax planning and investment options were available to us. We knew we wanted some professional advice in order to sensibly plan and secure our financial future.

We initially felt a little reluctant to say what success would look like to us as a family; but Mark has always listened to what we wanted and advised us in an understanding and non-judgemental way. What followed was clear, practical advice on how to use our savings, but he also recognised we still wanted to enjoy our success whilst prioritising our two children.

Since we’ve been working with Mark we have been given the confidence to go ahead and achieve a few life goals already. I am able to spend more time with our children, which has been really important to me whilst they are young; and we now own a holiday home in the mountains which we can enjoy with family and friends. We have one more main goal in mind and know this will be achievable by keeping to our financial plan.

Mark and the wider Plutus team have an approachable, friendly style and communicate regularly with us – we always look forward to our face to face meetings. Ultimately, we really appreciate their advice and feel very secure knowing we have a trustworthy team looking after our finances so that we can spend more time doing the things we enjoy.