Financial Planning

If you want to build wealth, enjoy it and share it, then having a strategic financial plan that’s been built specifically for you is an essential part of that process.

This encapsulates everything we do and works as a fine tuning of your finances to make sure that the money you already have grows efficiently and effectively so that it delivers for you now, as well as in the future.

Plymouth Hoe waterfront and seafront buildings on a sunny day with blue sky

Your financial journey

For us, Financial Planning is a journey. First, we identify where you want to go by working out the meaningful goals and aspirations that you have. Next, we work out what the best route is, which is a personalised financial plan that’s designed to reach that destination.

Then we create financial solutions based on the best and most suitable products and investments for your specific journey. Lastly, we consistently check back on the performance of your investments on an annual basis to make sure that everything is on track. If it is, we stay on that course but if it’s not, we can adapt or reposition whatever products you have to achieve the required results.

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Clear financial answers for life’s big questions

People don’t wake up thinking about Financial Planning, they wake up thinking about when they can afford to retire, how they can help their children and what will change if something happens to them. We help you look at these questions is a completely clear way and deliver the sort of advice that gives answers, recommendations and choices. That’s what Financial Planning is about.

The Financial Planning we undertake for you makes a genuine difference and we do it in a way that is easy to understand throughout the process. But there’s no point in creating a financial plan and leaving it there, it needs to be checked regularly. We review everything on an annual basis because we understand that markets changes, opportunities shift and that investments sometimes fluctuate. That’s where we make the real difference to our clients and we can do for you as well.

How we charge

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Your initial fee

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This is an estimate of the initial advice fee only. It is not a personal recommendation and does not include ongoing charges, product fees or investment costs. Your actual fee will be confirmed in writing before any work begins.

Every good financial plan starts with a conversation

Book a no-obligation call with our team and we’ll talk through your situation, answer your questions and show you what’s possible, no pressure, no jargon, just honest advice.

What brings you here?

In a world that’s obsessed with products, we’d rather focus on people. That’s what sets Sutton apart from the other financial advisers out there.

I want to leave a legacy

I’m building wealth

I want to protect my family

I’m thinking about retirement

I want more from my money

I want more freedom and choice

Client feedback

“Megan has been fantastic and forensic in dealing with my current policies. She has asked all the right questions and provided all the right answers. I now have in place better, more robust policies, saving me money and time. Can’t speak highly enough! ”
Tim R, Devon

“As I was retiring early due to ill health (stroke at 52),my pension provider required my choice of pension option (drawdown) to be advisor led. It was important to my wife and I that we found an independent financial advisor whom we could trust, was empathetic to our situation as well as being someone who my wife would feel comfortable talking to on financial matters on her own in the future if required. It has always felt as though Megan was doing her absolute best for us and we’ll always be grateful for that.”

Mr & Mrs C, Cornwall

“I was finding it difficult to get a local Financial Advisor to come back to me with professional advice, so I turned to a family member who had previously worked with Megan, who had nothing but positive praise for her and her work. Absolutely brilliant service received from Megan. She recently helped me bring all my pensions together and I can’t thank her enough for making the whole process both easy to understand and enjoyable at the same time! Thank you again Megan, your professionalism and customer handling skills are superb! I couldn’t ask for a better relationship with my IFA.”

Alex P, Yorkshire

“Following a health scare at the end of 2025, I knew I needed to retire early. This was a very anxious time for me, however, Megan’s wise, professional help reassured me that retirement was indeed a viable option. She helped me use my pension to ensure a stable monthly income and make plans going forward to adjust as other pension options become available. Her calm, clear professionalism was greatly appreciated.”

Joanne B, Devon

“Megan has continued to support our family with pension and investment planning. She both knows and understands us well. Her advice remains tailored to our individuality. Megan has given specific advice on issues covering pension, inheritance, investment and retirement. We still appreciate her quick considered responses to queries and requests for help or understanding, notably with some awkward queries relating to our daughter. Her on-going ease of accessibility is reassuring and her professionalism supports confidence in our financial circumstances and future planning.”

Mr & Mrs H, Pembrokeshire