Giving you confidence in your finances
As Independent Financial Planners we help you build a secure financial future
What we do
FINANCIAL PLANNING
We’ll work together to establish a clear financial plan and keep you on track.
TAX PLANNING
We can help you to get the most from your money.
INVESTMENT MANAGEMENT
Our investment ethos is to invest for the long term in highly diversified risk managed solutions.
LEGACY PLANNING
We want to help you establish a robust plan to leave as much as possible to your loved ones.
PROTECTION
We can give you the peace of mind of knowing that you and your family will be taken care of.
LATER LIFE SPECIALISTS
We specialise in planning for long-term care and helping later life clients.
Please note that the Financial Conduct Authority (FCA) does not regulate some aspects of cash flow, estate or tax planning.
How we do it
Getting to know you
We’ll spend time getting to know one another; what’s your current position, what are your goals for the future, what concerns you and understand how you feel about risk.
The Financial Plan
We will put together a clear financial plan and detailed recommendations for you.
Presenting the plan
We will meet again to present the plan, if you are happy we will sign paperwork to implement the plan and any recommendations.
Action
We will keep you informed at every stage and send confirmation when the agreed actions are complete.
Ongoing Review
We’ll get together at least annually to ensure the plan remains suitable, talk about any changes in your circumstances and discuss fund performance and fees.
Are you worried about:
If your existing investments are appropriate?
How much you'll need to save for retirement?
How tax efficient your finances are?
When you can retire?
Your potential Inheritance Tax bill and how to reduce it?
Whether or not equity release might be right for you?
How to plan for paying for care fees for yourself or a loved one?
Who are we?
Frederika Clay
Founder and Independent Financial Planner
Frederika is a Chartered, Fellow of the Chartered Institute for Securities and Insurance (CII) and is also SOLLA (society of later life advisers) accredited.
Frederika and her team have over 20 years working in Finance spanning high-street banking, Investment Management and Financial Advice.
Frederika has two young children and is often found walking along the River Dee in Chester with an ice-cream or chasing after the children on a bike ride.
E-mail Frederika on fc@fowm.co.uk.
Tony Brierley
Head of Client Experience
Tony has over 35 years working in Financial Services as an Independent Financial Advisor and is delighted to be a part of F & O Wealth Management to manage the client support department.
Tony is married with three grown up children and three grandchildren. Tony is very much a family man and also enjoys playing golf and watching football. His biggest work passion is building long term client relationships and providing an excellent , personal client experience.
E-mail Tony on tony@fowm.co.uk.
Ray Bucknell
Ray is a long-term Chartered Financial Planner and ran a successful financial planning firm in the North West for 20 years. More recently, he was Head of Operations for a national firm before retiring from full-time employment in February 2025.
Ray will be working part time, advising on systems and helping to shape the long term strategy for F&O Wealth Management.
In his leisure time, Ray enjoys woodwork and needlework. He is also a keen traveller and volunteers for a local wildlife charity. He is married with one son and has one granddaughter.
E-mail Ray on ray@fowm.co.uk.
What people are saying
Contact us
fc@fowm.co.uk
01244 677600
10 Nicholas Street,
Chester, CH1 2NX