FAQS.

Chrysalis Wealth Management (CWML) was founded with one clear goal: to provide personalised, expert financial advice tailored to your unique goals and circumstances. Our friendly and experienced team supports clients all across the UK and Northern Ireland, offering trusted guidance in pensions, savings & investments, financial planning and wealth management.

We believe that financial advice should feel approachable and reassuring. That’s why we take the time to listen, understand what matters most to you and build a financial plan that helps bring your ambitions to life. Whether meeting you at home, work or in one of our offices, our advisers are here to make the process as comfortable and transparent as possible.

Everything we do is built around trust, integrity and a genuine desire to support you through every step of your financial journey. Our team continues to grow so we can provide the guidance, insight and personal touch that you deserve.

To learn more about who we are and what we stand for, why not visit ‘Our Company Page’ or ‘Meet Our Team’ pages?

A financial consultant helps individuals and businesses understand, plan and manage their finances to achieve short and long-term goals. This can include building a financial plan, advising on investments, retirement strategies, tax planning, estate planning and risk management. At CWML, our advisers offer tailored guidance based on your unique financial situation and ambitions.

Working with a financial consultant/adviser gives you access to expert, objective advice that helps you make confident and informed financial decisions. Whether you're planning for retirement, investing for the future or managing your wealth, a consultant can help you avoid common pitfalls, take advantage of opportunities and build a financial strategy aligned with your life goals.

There are many benefits, including:

• A personalised financial plan tailored to your goals
• Professional investment management and regular reviews
• Tax efficiency and estate planning support
• Peace of mind knowing that your finances are on track
• On-going advice as your circumstances change

Our aim is to simplify complex decisions and support you at every stage of your financial journey.

We provide financial consultancy services across a wide range of areas including:

• Pensions and retirement planning
• Savings and investments
• Wealth management
• Estate and inheritance tax planning

Whether you’re looking for help with a specific need or a full financial strategy, we’re here to support you.

There’s no “perfect” time but the earlier you start, the better. People often reach out when they experience life changes such as starting a family, receiving an inheritance, approaching retirement, or selling a business. That said, even if you simply want to get more organised with your finances, now is a great time to speak with a consultant.

Yes, you can hold several pension pots, especially if you’ve worked for multiple employers or set up personal pensions. While this is perfectly normal, managing multiple pots can become complex over time. Consolidating them can simplify your finances, reduce fees and make it easier to track your retirement savings but it’s important to seek advice first, as some pensions may have valuable benefits that could be lost on transfer.

Absolutely. A will ensures that your assets are distributed according to your wishes, no matter how large or small your estate. Without one, the law decides who inherits your assets, which may not reflect your intentions. A will also lets you appoint guardians for children and can help minimise family disputes. It’s a key part of financial and estate planning, regardless of your net worth.

You can reduce your IHT liability through careful planning by using tax-free gifting allowances, passing on your home to direct descendants, setting up trusts or leaving a portion of your estate to charity. Life insurance and pension planning can also help. Everyone’s situation is different, so personalised advice is key to making the most of available allowances and reliefs.

Wealth management is a holistic service that helps you grow, protect and pass on your wealth through tailored financial planning. It typically includes investment advice, retirement planning, tax strategies, estate planning and risk management—all aligned with your personal goals. It’s about creating long-term financial confidence and clarity, with on-going support as your needs evolve.