Wealth · Pensions · Investments · For serious planners
Start planning like a pro
Welcome to the start of your journey, with trusted professionals, real guidance, expertise and connections to help you build a better tomorrow, today.
It's time to take control, gain an understanding of exactly what opportunities lie ahead, and see how the support of an expert could help you navigate this path.
Being a financial adviser isn't what people think. It isn't looking at funds and graphs and telling people to do this, then do that. It's about understanding: the ability to be an ear and hear what others miss, because the biggest opportunities are often found in the smallest places. It's a deeply holistic process that takes years to refine. Below is a 90-second video, an introduction from me and the team, to help familiarise you and gain confidence in your decision to reach out to the experts in these times.
All of our current and future clients have a high expectation of exceptional work rate and output. To honour that, I make sure everyone has the right time allocated, so I can only take on a set number of new meetings each week. To keep living up to the standard we hold ourselves to, book in now to avoid delay, so we can speak sooner.
−10m · below the surface
The honest truth
Why financial advice? And why now?
What you can see of your money, the payslip and the savings account, is only ever the tip. Like an iceberg, most of what your money could be doing sits out of sight: pensions, compounding, tax wrappers, protection, inheritance. The industry has come a very long way in just a few years. This is a multi-trillion-pound world where, year after year, the same people make the same gains. My job is simple: to help get you the right outcome.
The numbers back it up
£0That's the average wealth uplift over a decade for people who took financial advice, versus those who didn't: around £31,000 more in pension wealth and £16,000 more elsewhere.1
And the same research found advice helps people with modest savings proportionally more than the already-wealthy.1 You don't need to be rich to benefit. Advice is an edge for anyone serious about getting ahead.
−25m · first layer
No-cost initial consultation
Your very first conversation with me costs you nothing, because I want there to be no barriers to finding out how I can help you.
A real commitment to you
Financial advice is personal. There's no one-size-fits-all, and if anyone has told you there is, they're wrong. This is bespoke, holistic and designed to meet your needs in your ways.
Held by the hand throughout
You'll have proper support and whole-of-market-representative expertise the whole way through.
−40m · the route down
How it works
Three simple steps. No pressure, no jargon.
Initial consultation
We sit down, free of charge, to find out how I can help with your wealth, investments and pensions, and explore what options exist for you.
Research and risk assessment
I research exactly what options you have and find out what's genuinely available to you. Properly, not off the cuff. I find the most suitable products, services and opportunities available to you that fit your circumstances exactly, and how each one helps support building towards your financial goals.
Presentation
There may be more meetings than three. It's all flexible, with no rigid timeframe. But this is my time to shine: to show you what I can bring to the table, what works best, how it's suitable and how it's going to support your goals today, tomorrow and in the future.
−60m · the hidden mass
What to expect from a financial adviser
Professional advice
Qualified, regulated and accountable guidance built entirely around you.
Access to products you couldn't reach alone
Whole-of-market-representative options, platforms and solutions most people never see on their own.
The Quilter Advice Guarantee
I'm part of Quilter Financial Planning, one of the UK's largest advice networks, with around 2,000 advisers, going back to 2006. That partnership means my advice is held to Quilter's standards and oversight, backed by their commitment: if you're ever dissatisfied with the service you've received, they'll do their best to put it right. You're never relying on one person's word alone.
A friendly hand through life's hardest times
When things get difficult, you've got someone in your corner who already knows your situation.
Real security & protection
Clear recommendations on protecting your family, your goals and your plans.
Plans that are actually achievable
Whether quickly or over the long haul, the route is decided together, by what we look at doing.
Regular check-ins
At least an annual review, often more, to make sure those brilliant plans stay firmly on track.
Opportunity-spying
When tax rules, regulation, treatments or wrappers change, I'm the first to know, and already in touch with my clients. Whether you're young and building at full speed, a career high-flyer with no hours left in the day, planning retirement with the grandkids in mind, or brilliant in your own field but new to this one, nobody can watch all of that and live their life too. That's exactly where I step in.
−100m · where it gets real
The real reason most people don't take advice
Why people hold back
- They assume it comes at a massive cost.
- They don't feel they've got someone they can truly trust.
- They don't feel they've got someone with time for them. So many advisers are stretched, and plenty are leaving the profession.
- They end up with advisers tied to a single insurer or bank who can only sell their own products, so they miss out on whole-of-market-representative options.
- And honestly, advice isn't for everyone. If you haven't yet built up some assets to work with, the groundwork comes first.
This is for you if…
- You're sick of worrying about money on your own, and you want certainty in your plans.
- You want expert guidance, the most up-to-date products, and the better charges and discounts that come from being part of a large group and platform.
- You want someone who knows more than you do, and can take an unbiased, unemotional view so everyone ends up with the best outcome.
- You want every opportunity maximised and nothing missed: investments, benefits, tax, growth, helping the kids, all kept on track.
- You want accountability: someone keeping you honest to the goals you set, so you actually reach them.
- You want a friendly face to bounce ideas off, someone who's walked this path with people before.
- You want your time back. Let someone else carry the research, admin and reviews while you get on with your life.
- You want peace of mind: a qualified professional watching your finances all year round, not just once.
−110m · the turning point
Your future starts today.
Taking action today is the best thing future you could thank yourself for.
Max Gallagher · Financial Adviser
Yes, please show me if this is something suitable for me →−120m · the deepest point
Submit your application
Is financial advice right for you, right now?
Answer a few quick questions so I can see if I'm able to help.
−130m · the vault
Book your free consultation
A free initial conversation with Max Gallagher, DipPFS. No cost, no obligation to proceed.
My live diary
Choose your meeting type, day and time below. It all happens right here on this page.
Bookings happen in my secure diary, right here on the page. A set number of new clients join each week, which keeps the standard of service high for every client.
−140m · the proof
What clients say
Real words from current clients who have experienced how our financial planning and guidance has assisted them on their own unique journeys.
Videos are AI generated but are real reviews from current clients, brought to life for visual impact only.
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“We were recommended Max through a local estate agent, they told us they would share our details with him and he will be in touch. Max was in contact with on the hour. We haven’t moved home for nearly 18 years, so felt really overwhelmed with the process. Max was brilliant with us. We arranged a meeting which was held within 5 days, he was really thorough and explained every aspect of the process when applying for our mortgage, most of this if forgotten so was really good to know what to expect and timelines etc, he even discuss fees and solicitors forecasted fees to help us with planning, he has kept us up to date with any updates with our application. We Would highly recommend Max, he was very professional and made a stressful process run with ease.
Thank you for all you help and support Max”
Sarah Dunn —
“Max has been excellent in assisting me with my retirement planning. My pension and investments were not the easiest to understand and he operated with professional and a high level of knowledge throughout. I look forward to working with Max and his team for the years to come and feel I now have real confidence in my future for me and my family. Thank you all! 😊”
N Gallagher —
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What were the circumstances that caused you to initially look for an adviser? I was disappointed with my existing Adviser. Low returns and poor service and advice How has Max Gallagher helped you? Max has been excellent in assisting me with my retirement planning. My pension and investments were not the easiest to understand and he operated with professional and a high level of knowledge throughout. I look forward to working with Max and his team for the years to come and feel I now have real confidence in my future for me and my family. Thank you all! Have you seen the outcome you were hoping for? Yes What could they have done better? Nothing been exceptional and continue to be so
Verified client, Manchester — 