+44 (0)1628 969 525 Wealth Portal
Chartered · Independent · Connected

Private Wealth Management for complex lives.

We help entrepreneurs, family offices and senior executives through the moments that reshape a financial life: a business sale, a liquidity event, a transition of wealth to the next generation. As a chartered, independent firm in Marlow, we coordinate the professionals you already trust, so every decision pulls in the same direction.

Book a conversation → Explore the 3Ls
Chartered Financial Planners
Chartered Financial Planners Among fewer than 15% of UK advice firms. Awarded by the Chartered Insurance Institute.
Herbert & Webster
Our Team
Advice
Independent
Access to the whole of market, with no product bias.
Status
Chartered
Top 15% of UK advice firms · Chartered Insurance Institute
Regulated
FCA DA
Directly authorised · Firm Reference 528384
Recognition
FT Top 50
Named in the FT Top 50 Boutique Advice Firms 2025
Founded
2010
Based at Marlow Place, Buckinghamshire, since 2022
How we work

What actually makes us different.

Three things sit at the centre of every engagement, and together they are what set us apart: the 3Ls, our own method for sorting your wealth; Guardian:CONNECT, where we coordinate the professionals around you; and a clear, four-stage process. Each is built to work with the others.

Methodology

The 3Ls

Liquidity · Lifestyle · Legacy

A simple framework for a difficult question: how should your wealth be sorted into the three jobs it's being asked to do?

  • Interactive allocation tool
  • Time-horizon and risk mapping
  • Tax-aware sequencing across wrappers
Explore the methodology →
Wealth management model

Guardian:CONNECT

Family office-style, simpler and more accessible

Your regulated conductor across accountants, solicitors, property, banking and specialist investment. We spot the gaps you may not know exist and bring the right professionals around you.

  • 10% of ongoing fee rebated to third-party professional costs
  • Nine-category panel of trusted, vetted specialists
  • No introducer fees, ever, from anyone we recommend
See how it works →
Engagement

Our Process

Four stages · fee transparency

A written plan, implementation coordinated with your existing team, and an ongoing service that redraws the plan as life redraws it for you.

  • Initial conversation. No fee.
  • Private Wealth Planning report, £10,000.
  • Implementation & ongoing, 0.5% (minimum £10,000).
Read process & fees →
Herbert & Webster
Who we work with

Four kinds of complexity.

We work with a limited number of families, business owners and professionals. They arrive with very different circumstances and the same need: wealth that has to be coordinated, not just invested, to create a lasting legacy. Choose the door that looks most like yours.

i

Entrepreneurs

Founders preparing for, or freshly past, a liquidity event. The shape of the exit determines most of the next ten years.

Explore →
ii

Family Office

Multi-generation wealth requiring long-view stewardship. Our work starts where the next generation begins.

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iii

Executives & High Earners

Equity-rich, time-poor, with concentration to unwind. The instruments are clear. The question is when.

Explore →
iv

Consultants & Business Owners

Small firms that need their wealth and their business treated as a single picture, which they almost always are.

Explore →
The 3Ls methodology

One wealth. Three jobs.

Before any allocation can be right, the wealth itself needs to be sorted into the three jobs it is being asked to do. That's the methodology. Everything after is mechanics.

Horizon · 0–3 years
Liquidity
Ready for next Tuesday
The part that absorbs shocks. Two to three years of lifestyle spending, held in something ultra-short, never invaded. The year it's needed is always a bad year.
Horizon · 3–15 years
Lifestyle
The life you've written down
The working slice. School fees, mortgages, the holiday home, the retirement date you're pacing toward. The largest slice for most clients because it has to work the hardest.
Horizon · 15 years+
Legacy
Already committed, in your mind, to someone else
The part with its own timeline. Children, grandchildren, a cause, a foundation. Invested on its real horizon (which is not yours) and structured for its destination, not its current owner.
Every plan at H&W begins with this split. We draw your first 3Ls with you, in a room at Marlow Place, usually in under an hour.
Read the methodology →
"
When we sold the business it wasn't the scale of the sum that frightened us. It was the number of decisions all arriving at once. Adam and his team gave us a sequence, and then stayed with us through every step of it.
MG
Mr & Mrs G
Entrepreneurs · Client since 2021
Insights

Writing for our clients, not the algorithm.

Market commentary 30 Jun 2026 6 min

Why inflation-linked thinking has returned to private-client planning

The 2022 regime shift did more than lift yields. It forced a quieter reckoning: after a decade of nominal thinking, clients want their plans re-expressed in real terms.

Adam Herbert Read →
Perspective 24 Jun 2026 5 min

The planning you can only do before you sell

The most valuable planning for a business owner often has to happen before the sale completes. Once the deal is done, several doors quietly close.

Adam Herbert Read →
Perspective 20 Jun 2026 4 min

What a good annual review actually looks like

An annual review should not be a performance update with biscuits. Done well, it is the one meeting a year where the whole plan is re-tested against your life.

H&W Planning team Read →
All Insights →
Ready to begin?

A conversation, not a pitch.

Talk to us at Marlow Place or on a call. We come to understand your situation, and you see exactly how we work. No obligation, no fee.

Book a conversation → Our process & fees