Three Rivers Wealth Management

Independent financial advice with roots in Suffolk

Three Rivers Wealth Management is an independent financial advice firm founded in Suffolk. Its name comes from the three rivers that define that English county — the Deben, the Orwell and the Stour — and the company explains that it was founded with the intention of starting to operate locally and then extending its activity to clients in other areas. The firm presents itself as a project created to be more client-focused and to offer a service based on time, attention and understanding of each individual situation.

The company operates as an appointed representative of ValidPath Ltd, a firm authorised and regulated by the Financial Conduct Authority (FCA) under reference number 197107. Three Rivers Wealth Management LTD is registered in England and Wales with company number 16906466, and its own FCA number is 1048943. The company notes that ValidPath has been recognised in the Financial Times Top 100 Advisers list.

Financial planning services

The firm's activity is structured around several areas of advice:

• Retirement planning: preparation of personalised plans aligned with the client's financial goals and priorities, with attention to long-term security.
• Investment strategies: independent advice with strategies tailored to each person's circumstances, goals and risk tolerance.
• Estate and inheritance tax planning: guidance to preserve and transfer wealth efficiently and to secure the financial future of beneficiaries.
• Business owners: corporate wealth management services aimed at the financial well-being of the business, integrating advice and strategic planning.

The company also mentions protection and pension consolidation among its areas of advice.

Approach and client relationship

Three Rivers Wealth Management stresses that it places the client at the centre of the advice and that its advisers have held hundreds of client meetings. According to its approach, the aim is not only to take out a product or an investment, but for each person to finish each interaction with a clearer understanding and greater confidence than before. The firm states that it has access to the whole of the market due to its status as an independent adviser, which allows it to recommend solutions tailored to each client's needs.

Its stated mission is to support those who have doubts about their pensions and investments or do not know whether their money is working hard enough to reach their long-term goals. The firm describes its advice as clear, independent and client-focused, with explanation of the options and careful risk management.

Fees and qualifications

The firm offers a free initial consultation with no obligation. After that first meeting, it assesses each situation individually and explains the scope of the advice needed and the associated costs. Fees are usually calculated as a percentage linked to the value of existing or anticipated investments, and are always agreed in advance with the client.

All Three Rivers Wealth Management advisers hold the CII (Chartered Insurance Institute) Level 4 Diploma in Regulated Financial Planning. The company states that its advisers undertake continuous training to stay up to date with legislative, regulatory and best practice changes.

Scope of activity

The information and guidance published by the firm fall within the UK regulatory regime and are aimed primarily at consumers resident in that country. The company warns that its website is for information purposes and does not constitute financial advice, which should be based on each person's individual circumstances.

Location and contact

6 The Square, Martlesham Heath, Martlesham, Ipswich · Phone: 020 4600 5920 · Email: advice@threeriverswm.co.uk