# Walden Capital - Full LLMs.txt > As Independent Financial Advisers we use one of the world’s most highly acclaimed psychometric risk profiling tools, in conjunction with Institutional forensic software, to analyse the cost and suitability of your current investment portfolio and pensions. > Generated by **AiIndex** by [ai.answers-hub.club](https://ai.answers-hub.club) ## Identity & Access - **Canonical:** https://waldencapital.co.uk/llms.txt - **Licensing:** CC BY-NC 4.0 (Attribution Required) - **Citation-Policy:** page-specific (AI systems must attribute content using the full canonical URL of the cited page) - **Contact:** https://www.waldencapital.co.uk/contact/ ## Wealth Management Services ### [Wealth Management and Investment Specialists - Essex](https://www.waldencapital.co.uk/services/wealth-management/) [Skip to content](https://www.waldencapital.co.uk/services/wealth-management/#content) # Wealth Management Essex Our consultative process, supported by sophisticated financial technology, enables us to provide a highly personalised wealth management strategy plan for your unique needs. [Book a Call](https://www.waldencapital.co.uk/contact/#book-call) **Connect with us** [Facebook](https://www.facebook.com/profile.php?id=61551819100711)[Linkedin](https://www.linkedin.com/company/walden-capital-wealth-management/) Smart Investing for Exceptional Results As investment specialists, we utilise Nobel prize-winning academic investment theory to gain exposure to the most appropriate asset in the most diversified and cost-effective manner. The performance of our model portfolios, which are benchmarked against the ARC Indices are excellent and regularly outperform. [You can view our Historic Performance here.](https://docs.elstonsolutions.co.uk/WCPMPERF) [OUR EXPERTISE](https://www.waldencapital.co.uk/strategy/) ![Jon Rushman at Walden Capital](https://www.waldencapital.co.uk/wp-content/uploads/2023/05/Video-art-John-RS-copy.jpg) ### Trusted by our customers: We’re proud that our wealth management company is rated 4.8 out of 5 and this demonstrates our commitment to providing a highly personalised approach to financial planning for you and your family. ## Our approach to wealth management We do not view wealth management as simply about your investments; our approach incorporates advanced financial planning and ongoing relationship management to maximise the probability that you achieve all that is important to you. To ascertain the best possible way to add value and clarity to your current situation and address your future needs, we invite you to participate in our wealth management consultative process. [Meet the team](https://www.waldencapital.co.uk/company/) ![How we work](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20800%20563'%3E%3C/svg%3E) ![Saffron Walden retirement- planning services](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20800%20762'%3E%3C/svg%3E) Our regular progress meetings consider your wealth enhancement, wealth transfer, wealth protection and issues that are important to you. ### Investment reviews and financial progress advice We use administrative platforms or ‘wraps’ that provide you with numerous benefits including being able to view your consolidated financial assets in one location. We address your advanced planning needs at our regular progress meetings which will consider your wealth enhancement, wealth transfer, wealth protection and and any other relevant issues such as charitable giving. Additional specialist skills may sometimes be required to complement our own and we have put together a team of carefully selected professionals, each with a high level of expertise in a key financial area. Access to this professional network ensures that your requirements are always fastidiously dealt with. **If you’re looking for a wealth managment company in Essex, [get in touch with us](https://www.waldencapital.co.uk/contact/) now.** The Walden Capital wealth management service combines the latest in cutting-edge technology with highly qualified, experienced professionals. By building long-term relationships with our clients, we can advise and guide you on a growing number of financial matters. Appreciative that all clients differ; the initial consultation will identify your fundamental aspirations, values, needs and concerns. Taking a structured and disciplined approach to investment, we will look at risk profiles, future cash flow projections, and investment options; all focused on your long-term goals. Using a range of [**managed model portfolios**](https://www.waldencapital.co.uk/strategy/model-portfolios/) with seven risk categories, we can adapt this approach to your changing lifestyle. Rest assured, you are in safe hands, with our team available to answer any questions or queries you may have going forward. Are wealth management fees tax deductible in the uk? Advice fees are not tax deductible. Costs of buying or selling assets can be claimable against capital gains tax (CGT), but only where they directly relate to the sale or purchase. One area where tax efficiency is available is where advice fees are paid from a registered pension, they are effectively paid from gross earnings due to the pension tax relief received on contributions, however, this can only be utilised for advice related to retirement planning. Advice fees may be assessable for VAT depending on whether they are bundled together with non-VATable goods or services, of which a good example would be the arrangement of a regulated investment product. What is an investment wrap platform? A ‘wrap’ platform is simply a regulated custodian of your investments that focuses on providing excellent administration and reporting, and access to a wide range of third party investment solutions within different tax wrappers rather than providing investment funds themselves. What is the difference between a wealth manager and a financial adviser? Generally speaking, an investment manager will focus on growing and enhancing a ‘pot of money’ with no input from you about your wider financial situation. Whereas a financial adviser will be looking to provide holistic advice to you about your goals and aspirations and will be more aware of the appropriate tax wrappers and planning strategies to achieve these. A financial adviser may not typically be an investment expert, and if they do not have in-house investment expertise they may outsource investment solutions which may have additional costs attached. Some financial advisers, like Walden Capital, have the expertise to manage your wealth and thus offer the complete package of advice, covering your personal situation as well as your investment goals. Choosing a wealth manager in the UK? Most people focus on performance, but it’s a lot trickier to analyse than you’d think – since some firms take risks that make them look good if they pay off, but might not be repeated. Service, quality of advice, and cost are the most important considerations. When analysing cost consider every element, not just headline comparisons, as less obvious costs can dwarf the headline number. What kind of fees can I expect from a financial adviser or wealth manager? There are usually three tiers of costs when working with a financial adviser – the underlying investments have a cost, which will typically be built into the price of your investment fund, and whilst important is not always immediately obvious.  Then there are the platform or product charges, which relate to the custody of your money and investments, tracking your tax position, performance reporting, and general administration. Finally the cost of advice, which relates to the advice you receive, and any face to face service you have selected, for example, your annual review.  A typical advice cost might be up to 1% per annum, although at Walden Capital we recognise that fees are important, and work hard to keep advice costs lower than this. What should I do if my financial situation changes? Everyone’s situation changes over time, sometimes very quickly.  One of the benefits of working with a financial planner is that change is built into the plan! Change can be a real worry, but knowing that your plan is robust, and can be adapted to reflect evolving circumstances should provide some often-needed reassurance that it’s going to be OK! _If you would like one of our [experts to call you back](https://www.waldencapital.co.uk/services/wealth-management/#independent-financial-advice) and explain in more detail and with specific relevance to your exact query and situation, please select the form on this page._ #### What our clients say about our Wealth Management Service... I have been a client of Walden Capital and its predecessor company for the past 20 years. Over that period my family have received expert financial advice. Andrew has continued to provide that same level of expertise that we are accustomed to and we greatly appreciate the time he makes available to us. #### Review from Verified Client – August 2025 __ __ __ __ __ Rated 5 out of 5 John has helped me in selecting the correct investment instruments based on my family’s situation, including the set-up of a Trust. Additionally, I’ve used John as a sounding board on critical financial decisions, his professional advice and balanced reasoning has been crucial. #### Review from Verified Client – June 2025 __ __ __ __ __ Rated 5 out of 5 Mikki was very thorough at our meeting, explaining every thing in easy terms, which gave me confidence going forward. I would not hesitate to recommend Mikki to anyone. #### Review from Verified Client – May 2025 __ __ __ __ __ Rated 5 out of 5 ##### Want to learn more? Let's talk We are independent, our advice is impartial and our [fee structure](https://www.waldencapital.co.uk/services/cost-structure/) is transparent. Our approach is simple: we build trusted relationships and focus all our energies to build personalised strategic plans to meet our clients’ individual needs. Helping you achieve your life goals, whatever they may be. If you’d like to find out more, or learn how we can help you reach your investment goals, get in touch. #### (+44) 1799 521017 #### info@waldencapital.co.uk Name \* Email \* Telephone Message \* Sign up to the Walden Capital newsletter - [ ] Yes, I would like to receive regular updated from Walden Capital REQUEST A CALL BACK![Loading](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2026%2026'%3E%3C/svg%3E) ###### Knowledge & resources The latest news, information and opinion on the current financial situations and trends plus useful guides to investing, pensions and making the most of your wealth. [READ MORE](https://www.waldencapital.co.uk/resources/) Guides ### [Guide to tracing and consolidating your pensions](https://www.waldencapital.co.uk/guides/guide-to-tracing-and-consolidating-your-pensions/) How to find lost savings and build a stronger retirement plan Insights ### [Investment Outlook – Q1 2026](https://www.waldencapital.co.uk/insights/investment-outlook-q1-2026/) Welcome to the latest Walden Capital Investment Outlook for Q1 of 2026 Insights ### [Monthly Markets Update – December 2025](https://www.waldencapital.co.uk/insights/monthly-markets-update-december-2025/) Welcome to the latest Walden Capital Market Insight E-Zine ### [E Smart Money – January / February 2026](https://www.waldencapital.co.uk/esmartmoney/e-smart-money-january-february-2026/) E Smart Money – November / December 2025 Guides ### [Guide to navigating the new pension inheritance tax rules](https://www.waldencapital.co.uk/guides/guide-to-navigating-the-new-pension-inheritance-tax-rules/) How to plan to secure your wealth for the next generation Guides ### [Guide to securing your legacy](https://www.waldencapital.co.uk/guides/guide-to-securing-your-legacy/) Adaptable control, protection, and flexibility across generations ### [Bespoke Retirement Planning advisors and wealth management](https://www.waldencapital.co.uk/services/retirement-planning/) [Skip to content](https://www.waldencapital.co.uk/services/retirement-planning/#content) # Retirement planning Retirement planning and wealth management from Walden Capital utilises advanced cashflow planning software provided by global leaders. A good plan can make retirement a much more rewarding experience. **Connect with us** [Facebook](https://www.facebook.com/profile.php?id=61551819100711)[Linkedin](https://www.linkedin.com/company/walden-capital-wealth-management/) ## Financial planning for your future ### Bespoke retirement planning There is a cycle that succcessful people often follow; plan, execute, review.  By building a plan, working to that plan, and then checking in to ensure the plan still meets your needs you can significantly increase the probability of achieving success.  In financial planning terms this can mean a successful retirement, financial independence, security for you and your family. There are many things that ‘just happen’, and it is easy to get caught up worrying about ‘the market’ or geopolitical factors that are entirely outside our control. At Walden Capital we believe that bespoke planning built on tried and tested processes and delivered by highly skilled financial planners can give you the best assurance possible that your plans will come to fruition. ![Guide to Protecting Your Financial Future](https://www.waldencapital.co.uk/wp-content/uploads/2023/06/financail-advice-for-future.jpeg) The market can stay irrational longer than you can stay solvent. **JOHN MAYNARD KEYNES** #### Guide to The Future of Retirement #### What do your retirement plans look like? We all have our own idea of the life we’d like to lead after we’ve left the nine-to-five behind. Whatever retirement looks like for you, it’s important to make the right plans now, so that you have the freedom to enjoy the time when it comes, however you choose to fill it. To find out more or to discuss your vision for retirement – please [contact us](https://waldencapital.wpengine.com/contact/). [Read our guides](https://www.waldencapital.co.uk/resources/) ![Walden Capital Team Reception](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20518%20532'%3E%3C/svg%3E) Our regular progress meetings consider your wealth enhancement, wealth transfer, wealth protection and issues that are important to you. Achieving excellence ##### Making your future Secure Assuming life and the universe goes according to plan, once you have a plan, job done! Our experience is that it doesn’t take long for life to get in the way of a great plan.  As Mike Tyson said “Everyone has a plan until they get punched in the mouth”. For this reason we like to work with our clients for many years, reviewing their plan, building a track record of achievement, so you have the peace of mind knowing your plans for the future are secure. Retirement planning should be integral to your long-term investment strategy, taking in pensions, savings, investments, insurance policies and other assets. Walden Capital employs a highly qualified team of [**experienced** **professionals**](https://www.waldencapital.co.uk/company/#team) **,** able to work with you to create a bespoke retirement plan shaped around your situation. In theory, this is simple: plan, execute and review, but in practice, there are a lot of issues to consider. Our experts recognise that actions taken today, or not taken today, can significantly impact your retirement income. Historically, much of the focus has been on pre-retirement planning but post-retirement planning is just as important, ensuring the longevity of your retirement income. Our model portfolios cover various risk profiles and timelines suitable for multiple investment strategies. _If you would like more [advice on retirement planning](https://www.waldencapital.co.uk/services/retirement-planning/#independent-financial-advice) and details of specific relevance to your exact query and situation, please select the form on this page._ ##### What our clients say about our Retirement Planning Service... Mikki very clearly summarised our position and outlined our options across a number of scenarios. Separately she and her team very efficiently dealt with pension consolidation on our behalf, which made a huge difference. Mikki is also available for ad hoc advice which we have needed. #### Review from Verified Client – September 2025 __ __ __ __ __ Rated 5 out of 5 John has taken the time to really understand my personal circumstances and has been instrumental in helping me feel financially secure and sleep better at night. He’s guided me through some tough periods, including navigating the financial impact of redundancy, and has played a key role in setting me back on the right path. Our conversations are always forward-looking, focused on smart investments and long-term planning. He’s also helped consolidate my pensions, which are now growing steadily, and provided clear advice on handling stock and equity from previous roles. I really value his thoughtful, steady approach and wouldn’t hesitate to recommend him. #### Review from Verified Client – July 2025 __ __ __ __ __ Rated 5 out of 5 It’s a pleasure working with Andy Lee. Pensions are a complex subject, even for me as a qualified accountant, and he is always happy to explain anything I’m unclear about and answer any questions I have. #### Review from Verified Client – February 2025 __ __ __ __ __ Rated 5 out of 5 ##### Want to learn more? Let's talk We are independent, our advice is impartial and our [fee structure](https://www.waldencapital.co.uk/services/cost-structure/) is transparent. Our approach is simple: we build trusted relationships and focus all our energies to build personalised strategic plans to meet our clients’ individual needs. Helping you achieve your life goals, whatever they may be. If you’d like to find out more, or learn how we can help you reach your investment goals, get in touch. #### (+44) 1799 521017 #### info@waldencapital.co.uk Name \* Email \* Telephone Message \* Sign up to the Walden Capital newsletter - [ ] Yes, I would like to receive regular updated from Walden Capital REQUEST A CALL BACK![Loading](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2026%2026'%3E%3C/svg%3E) ###### Knowledge & resources The latest news, information and opinion on the current financial situations and trends plus useful guides to investing, pensions and making the most of your wealth. [READ MORE](https://www.waldencapital.co.uk/resources/) Guides ### [Guide to tracing and consolidating your pensions](https://www.waldencapital.co.uk/guides/guide-to-tracing-and-consolidating-your-pensions/) How to find lost savings and build a stronger retirement plan Insights ### [Investment Outlook – Q1 2026](https://www.waldencapital.co.uk/insights/investment-outlook-q1-2026/) Welcome to the latest Walden Capital Investment Outlook for Q1 of 2026 Insights ### [Monthly Markets Update – December 2025](https://www.waldencapital.co.uk/insights/monthly-markets-update-december-2025/) Welcome to the latest Walden Capital Market Insight E-Zine ### [E Smart Money – January / February 2026](https://www.waldencapital.co.uk/esmartmoney/e-smart-money-january-february-2026/) E Smart Money – November / December 2025 Guides ### [Guide to navigating the new pension inheritance tax rules](https://www.waldencapital.co.uk/guides/guide-to-navigating-the-new-pension-inheritance-tax-rules/) How to plan to secure your wealth for the next generation Guides ### [Guide to securing your legacy](https://www.waldencapital.co.uk/guides/guide-to-securing-your-legacy/) Adaptable control, protection, and flexibility across generations ### [Pension Transfer advice for your Pension Options](https://www.waldencapital.co.uk/services/pension-transfer/) [Skip to content](https://www.waldencapital.co.uk/services/pension-transfer/#content) # Pension transfers Pension transfer specialists providing advice on deferred final salary or defined benefit pensions. Our Chartered Financial Planners can outline your best pension options. [Book a Call](https://www.waldencapital.co.uk/contact/#book-call) **Connect with us** [Facebook](https://www.facebook.com/profile.php?id=61551819100711)[Linkedin](https://www.linkedin.com/company/walden-capital-wealth-management/) Professional advice ## Pension Transfer Specialists If you have a final salary or defined benefit pension then you are fortunate to have such a valuable guaranteed retirement income.  However for some people the flexibility that comes from giving up those guarantees can offer benefits. If you want to take advice in this area we have qualified Pension Transfer Specialists, and maintain the appropriate permissions and authorisations to provide that advice. As Chartered Financial Planners that hold the Pension Transfer Gold Standard you can be confident that we will always act in your interest, and put your needs front and centre of everything we do. [![Pension Transfer Gold Standard](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20116%20150'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company-news/walden-capital-achieves-pension-transfer-gold-standard/) ![Pension advice for families](https://www.waldencapital.co.uk/wp-content/uploads/2023/06/financial-advice-for-pension-and-families.jpeg) There ain’t no such thing as a free lunch. **ROBERT A. HEINLEIN** ### Trusted by our customers: We’re proud that our financial advisors are rated 4.8 out of 5 and this demonstrates our commitment to providing a highly personalised approach to financial planning for you and your family. ## E Smart Money Magazine 08/01/26 Inside this issue: - **The longevity challenge**: Planning to make sure your retirement savings last - **Don’t miss the deadline for individual savings accounts**: Have you fully utilised this wrapper that shields your savings and investments from tax? - **Leaving your financial legacy**: Planning your inheritance to transfer wealth to the next generation - **Time to boost your retirement fund**: Maximise your pension planning before the end of the 2025/26 tax year …and more [READ NOW](https://www.waldencapital.co.uk/esmartmoney/e-smart-money-january-february-2026/) [VIEW PAST ISSUES](https://www.waldencapital.co.uk/category/esmartmoney/) ![](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20604%20856'%3E%3C/svg%3E)![Flipbook Icon](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2077%2077'%3E%3C/svg%3E) ![Saffron Walden equity release](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20800%20733'%3E%3C/svg%3E) Our regular progress meetings consider your wealth enhancement, wealth transfer, wealth protection and issues that are important to you. Now and into the future ### Continual Investment and Pension Transfer Guidance Moving your pension is just the start.  Long term investment isn’t an intense process, but we believe your plans and long term experience will benefit significantly from our ongoing service and advice. Most importantly, a good retirement plan needs to provide you with peace of mind, so that regardless of how complex your situation may be, you can get on with the important business of living your life, your way. As an independent company, our advice on investments and pension transfers is transparent and impartial. Whether looking at guaranteed income, protecting beneficiaries or self-investment options going forward, there is much to consider. We appreciate the intricacies of pension transfers, providing expert advice and guidance for your situation and presenting the right options for you. Our holistic approach to wealth management means that we look at the broader picture as well as focusing on individual elements. Fully appreciative of different timescales and we can create a pension [**investment strategy**](https://www.waldencapital.co.uk/strategy/model-portfolios/) that fits your future goals and aspirations. Aiming to simplify the pension transfer process as much as possible, we work closely with our clients from day one. Taking a structured and disciplined approach to investment, we will look at risk profiles, future cash flow projections, and investment options; all focused on your long-term goals. Using a range of [**managed model portfolios**](https://www.waldencapital.co.uk/strategy/model-portfolios/) with seven risk categories, we can adapt this approach to your changing lifestyle. Rest assured, you are in safe hands, with our team available to answer any questions or queries you may have going forward. What affects final salary pension transfer values? There are three primary factors that drive your transfer values. Your age, future assumed inflation of your pension, and the outlook for long term interest rates. Many other factors can affect it, but these three are the primary drivers. Why are final salary pension schemes transfer values so high? Values rose spectacularly after the financial crisis as long-term interest rates dropped to near nothing, and since rates have reverted to more ‘normal’ levels, transfer values have dropped significantly. How do I ensure my pension is left to the right people if I die? Most pensions can accept a ‘nomination of beneficiary’ which is an instruction to the trustees to make a payment in line with your wishes. Your pension is not normally subject to any will you have, although in the absence of specific direction the trustees may consider your will. What is the Pension Transfer Gold Standard? A commitment to upholding the highest ethical and professional standards when providing advice about Pension Transfers. _If you would like more [advice on pension transfers](https://www.waldencapital.co.uk/services/pension-transfer/#independent-financial-advice) and details of specific relevance to your exact query and situation, please select the form on this page._ #### What our clients say about our Pension Transfer Service... When I was with my previous provider, I received reams of computer print-out, with never a word of explanation and with no attempt made to relate the fund to my personal circumstances. I was a pension vacuum! Signing up with Walden Capital was a revelation, due in large part to Mikki. #### Review from Verified Client – April 2023 __ __ __ __ __ Rated 5 out of 5 ##### Want to learn more? Let's talk We are independent, our advice is impartial and our [fee structure](https://www.waldencapital.co.uk/services/cost-structure/) is transparent. Our approach is simple: we build trusted relationships and focus all our energies to build personalised strategic plans to meet our clients’ individual needs. Helping you achieve your life goals, whatever they may be. If you’d like to find out more, or learn how we can help you reach your investment goals, get in touch. #### (+44) 1799 521017 #### info@waldencapital.co.uk Name \* Email \* Telephone Message \* Sign up to the Walden Capital newsletter - [ ] Yes, I would like to receive regular updated from Walden Capital REQUEST A CALL BACK![Loading](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2026%2026'%3E%3C/svg%3E) ###### Knowledge & resources The latest news, information and opinion on the current financial situations and trends plus useful guides to investing, pensions and making the most of your wealth. [READ MORE](https://www.waldencapital.co.uk/resources/) Guides ### [Guide to tracing and consolidating your pensions](https://www.waldencapital.co.uk/guides/guide-to-tracing-and-consolidating-your-pensions/) How to find lost savings and build a stronger retirement plan Insights ### [Investment Outlook – Q1 2026](https://www.waldencapital.co.uk/insights/investment-outlook-q1-2026/) Welcome to the latest Walden Capital Investment Outlook for Q1 of 2026 Insights ### [Monthly Markets Update – December 2025](https://www.waldencapital.co.uk/insights/monthly-markets-update-december-2025/) Welcome to the latest Walden Capital Market Insight E-Zine ### [E Smart Money – January / February 2026](https://www.waldencapital.co.uk/esmartmoney/e-smart-money-january-february-2026/) E Smart Money – November / December 2025 Guides ### [Guide to navigating the new pension inheritance tax rules](https://www.waldencapital.co.uk/guides/guide-to-navigating-the-new-pension-inheritance-tax-rules/) How to plan to secure your wealth for the next generation Guides ### [Guide to securing your legacy](https://www.waldencapital.co.uk/guides/guide-to-securing-your-legacy/) Adaptable control, protection, and flexibility across generations ### [Financial advisors and wealth management - Equity Release](https://www.waldencapital.co.uk/services/equity-release/) [Skip to content](https://www.waldencapital.co.uk/services/equity-release/#content) # Equity Release Providing trusted and independent equity release advice to find the right solution for you. **Connect with us** [Facebook](https://www.facebook.com/profile.php?id=61551819100711)[Linkedin](https://www.linkedin.com/company/walden-capital-wealth-management/) ## Equity release options Lots of homeowners plan to downsize at retirement, either to release funds for a better retirement, or simple because their home is too large once their children have moved on, and built their own lives. However, when that time arrives, not everyone wants to leave their home full of family memories and sometimes that plan to downsize into a convenient flat doesn’t seem quite so attractive when it comes time to act. One increasingly popular alternative is to release some of the equity locked up in your home, a lifetime mortgage, so you can have the ‘best of both worlds’ – access some of the money in your home, whilst continuing to live there. Or maybe you still have some mortgage outstanding, and no ready means to clear it. Whatever your situation, a lifetime mortgage may help you live the retirement you hoped for without having to make payments on a mortgage. ![Walden Capital Wealth Management Saffron Walden reception](https://www.waldencapital.co.uk/wp-content/uploads/2023/03/Walden-Capital-Wealth-Management-Saffron-Walden-reception.jpg) Combines an ability to think deeply with a knack of making things happen. **P.G. – GLOBAL CFO** ## What is equity release? Equity release, a type of lifetime mortgage is simply releasing money from your home on a mortgage where you don’t have to make monthly payments and instead allow the interest to accrue over the rest of your life. The mortgage, inclduing interest, will be repaid from the sale of your home after you’ve died, or gone into long term care. We’ve partnered with Money Alive to bring you a short video box set that will help you understand more about releasing equity from your home. Releasing equity from your home is a big decision and so understanding it, and some alternative options you might consider, will help you get the best outcome for you and your circumstances. [Watch Video](https://www.waldencapital.co.uk/services/equity-release/#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6Ijc1MCIsInRvZ2dsZSI6ZmFsc2V9) ![Zoe Leek](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20683%201024'%3E%3C/svg%3E) Equity release is complex, and our qualified experienced advisers will ensure you have sufficient information and advice to help you make the right decision. ## Things you should think about before considering Equity Release Please be aware that releasing equity from your home is likely to mean that your beneficiaries inherit less.  Lifetime mortgages often have significant penalties if repaid early, and they are generally considered to be a lifetime commitment.  You should also consider whether releasing capital from your home will affect any means tested state benefits that you receive now or in the future. ### What our clients say about our Equity Release Service... Andrew is very approachable and takes time to understand both your situation and drivers. It’s great to get clear sound advice and both he and the team that supports him are on the ball. Things just get done. #### Review from Verified Client – October 2025 __ __ __ __ __ Rated 5 out of 5 ##### Want to learn more? Let's talk We are independent, our advice is impartial and our [fee structure](https://www.waldencapital.co.uk/services/cost-structure/) is transparent. Our approach is simple: we build trusted relationships and focus all our energies to build personalised strategic plans to meet our clients’ individual needs. Helping you achieve your life goals, whatever they may be. If you’d like to find out more, or learn how we can help you reach your investment goals, get in touch. #### (+44) 1799 521017 #### info@waldencapital.co.uk Name \* Email \* Telephone Message \* Sign up to the Walden Capital newsletter - [ ] Yes, I would like to receive regular updated from Walden Capital REQUEST A CALL BACK![Loading](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2026%2026'%3E%3C/svg%3E) ###### Knowledge & resources The latest news, information and opinion on the current financial situations and trends plus useful guides to investing, pensions and making the most of your wealth. [READ MORE](https://www.waldencapital.co.uk/resources/) Guides ### [Guide to tracing and consolidating your pensions](https://www.waldencapital.co.uk/guides/guide-to-tracing-and-consolidating-your-pensions/) How to find lost savings and build a stronger retirement plan Insights ### [Investment Outlook – Q1 2026](https://www.waldencapital.co.uk/insights/investment-outlook-q1-2026/) Welcome to the latest Walden Capital Investment Outlook for Q1 of 2026 Insights ### [Monthly Markets Update – December 2025](https://www.waldencapital.co.uk/insights/monthly-markets-update-december-2025/) Welcome to the latest Walden Capital Market Insight E-Zine ### [E Smart Money – January / February 2026](https://www.waldencapital.co.uk/esmartmoney/e-smart-money-january-february-2026/) E Smart Money – November / December 2025 Guides ### [Guide to navigating the new pension inheritance tax rules](https://www.waldencapital.co.uk/guides/guide-to-navigating-the-new-pension-inheritance-tax-rules/) How to plan to secure your wealth for the next generation Guides ### [Guide to securing your legacy](https://www.waldencapital.co.uk/guides/guide-to-securing-your-legacy/) Adaptable control, protection, and flexibility across generations ## Company and People ### [Walden Capital - An Independent Financial Firm- Our Company](https://www.waldencapital.co.uk/company/#team) [Skip to content](https://www.waldencapital.co.uk/company/#content) Company Walden Capital was formed in 2013 by a group of city professionals who aspired to create a Chartered Financial Planning firm.  We sought to offer institutional investment expertise with levels of service and value that could not be found elsewhere. # An Independent Financial Firm We are independent, our advice is impartial and our fee structure is transparent. At Walden Capital our approach is simple: we build trusted relationships and focus all our energies on helping you achieve your life goals, whatever they may be. We take a highly consultative approach to wealth management and our model portfolios form the basis of the personalised strategic plans we create to meet our clients’ individual needs. **Connect with us** [Facebook](https://www.facebook.com/profile.php?id=61551819100711)[Linkedin](https://www.linkedin.com/company/walden-capital-wealth-management/) [![Vouched For - Top Rated Financial Advisor 2025](https://www.waldencapital.co.uk/wp-content/uploads/2025/03/vouchedfor-top-rated-advisor-2025-square-1024x1024.png)](https://www.vouchedfor.co.uk/firm/1060-walden-capital) ## Our advisors [![John Stirling](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201001%201500'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/john-stirling/) #### [John Stirling](https://www.waldencapital.co.uk/company/people/john-stirling/) #### [Chartered Financial Planner FPFS](https://www.waldencapital.co.uk/company/people/john-stirling/) Director / Investment Committee ### John Stirling #### Chartered Financial Planner FPFS Director / Investment Committee [![Mikki Gant Financial Planner](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201001%201500'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/mikki-gant/) #### [Mikki Gant](https://www.waldencapital.co.uk/company/people/mikki-gant/) #### [BA (Hons) DipPFS](https://www.waldencapital.co.uk/company/people/mikki-gant/) Financial Planner ### Mikki Gant #### BA (Hons) DipPFS Financial Planner [![Andy Lee](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201001%201500'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/andy-lee/) #### [Andy Lee](https://www.waldencapital.co.uk/company/people/andy-lee/) #### [Dip PFS CeMAP](https://www.waldencapital.co.uk/company/people/andy-lee/) Financial Planner ### Andy Lee #### Dip PFS CeMAP Financial Planner ### Investment Committee [![Steph Duckworth Walden Capital](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201001%201500'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/steph-duckworth/) #### [Steph Duckworth](https://www.waldencapital.co.uk/company/people/steph-duckworth/) #### [BA(Hons) DESEM](https://www.waldencapital.co.uk/company/people/steph-duckworth/) Chairman / Investment Committee ### Steph Duckworth #### BA(Hons) DESEM Chairman / Investment Committee [![Prof. Jon Rushman](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201001%201500'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/professor-jon-rushman/) #### [Professor Jon Rushman](https://www.waldencapital.co.uk/company/people/professor-jon-rushman/) #### [MA CFA MBA](https://www.waldencapital.co.uk/company/people/professor-jon-rushman/) Investment Committee ### Professor Jon Rushman #### MA CFA MBA Investment Committee [![David Cooper Walden Capital](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201001%201500'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/david-cooper/) #### [David Cooper](https://www.waldencapital.co.uk/company/people/david-cooper/) #### [BA (Hons) Chartered FCSI](https://www.waldencapital.co.uk/company/people/david-cooper/) CEO / Investment Committee ### David Cooper #### BA (Hons) Chartered FCSI CEO / Investment Committee [![Keith Patton](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20264%20295'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/keith-patton/) #### [Keith Patton](https://www.waldencapital.co.uk/company/people/keith-patton/) #### [BA (Hons)](https://www.waldencapital.co.uk/company/people/keith-patton/) Investment Committee ### Keith Patton #### BA (Hons) Investment Committee #### Operations & Technical Team [![Keith Gilchrist](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201001%201500'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/keith-gilchrist/) #### [Keith Gilchrist](https://www.waldencapital.co.uk/company/people/keith-gilchrist/) #### [DipPFS EFA](https://www.waldencapital.co.uk/company/people/keith-gilchrist/) Head of Technical ### Keith Gilchrist #### DipPFS EFA Head of Technical [![Samantha Leggett Walden Capital](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201001%201500'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/samantha-leggett/) #### [Samantha Leggett](https://www.waldencapital.co.uk/company/people/samantha-leggett/) #### [Cert CII (FS)](https://www.waldencapital.co.uk/company/people/samantha-leggett/) Head of Operations ### Samantha Leggett #### Cert CII (FS) Head of Operations [![Zoe Leek](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201001%201500'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/zoe-leek/) #### [Zoe Leek](https://www.waldencapital.co.uk/company/people/zoe-leek/) #### [Cert CII (MP & ER)](https://www.waldencapital.co.uk/company/people/zoe-leek/) Paraplanner and Mortgage Co-ordinator ### Zoe Leek #### Cert CII (MP & ER) Paraplanner and Mortgage Co-ordinator [![](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201700%202560'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/mike-edmunds-2/) #### [Mike Edmunds](https://www.waldencapital.co.uk/company/people/mike-edmunds-2/) #### [BSc(Hons), DipPFS](https://www.waldencapital.co.uk/company/people/mike-edmunds-2/) Trainee Financial Adviser ### Mike Edmunds #### BSc(Hons), DipPFS Trainee Financial Adviser [![Bonnie](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20600%20852'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/bonnie/) #### [Bonnie Taylor](https://www.waldencapital.co.uk/company/people/bonnie/) #### [Cert CII (FS)](https://www.waldencapital.co.uk/company/people/bonnie/) Acting Senior Administrator ### Bonnie Taylor #### Cert CII (FS) Acting Senior Administrator [![](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201756%202560'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/sebastian-robinson/) #### [Sebastian Robinson](https://www.waldencapital.co.uk/company/people/sebastian-robinson/) #### [Cert CII (FS)](https://www.waldencapital.co.uk/company/people/sebastian-robinson/) Wealth Management Administrator ### Sebastian Robinson #### Cert CII (FS) Wealth Management Administrator ##### Want to learn more? Let's talk We are independent, our advice is impartial and our [fee structure](https://www.waldencapital.co.uk/services/cost-structure/) is transparent. Our approach is simple: we build trusted relationships and focus all our energies to build personalised strategic plans to meet our clients’ individual needs. Helping you achieve your life goals, whatever they may be. If you’d like to find out more, or learn how we can help you reach your investment goals, get in touch. #### (+44) 1799 521017 #### info@waldencapital.co.uk Name \* Email \* Telephone Message \* Sign up to the Walden Capital newsletter - [ ] Yes, I would like to receive regular updated from Walden Capital REQUEST A CALL BACK![Loading](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2026%2026'%3E%3C/svg%3E) ### [Reviews and testimonials for financial advisors - Testimonials](https://www.waldencapital.co.uk/company/testimonials/) [Skip to content](https://www.waldencapital.co.uk/company/testimonials/#content) # Testimonials We’re happy when our clients are happy. Here are some of the kind words, clients have to say about working with Walden Capital. **Connect with us** [Facebook](https://www.facebook.com/profile.php?id=61551819100711)[Linkedin](https://www.linkedin.com/company/walden-capital-wealth-management/) [![Reviews and Ratings for Financial adviser John Stirling, Cambridge](https://assets.vouchedfor.co.uk/widgets/ratings-and-reviews/legacy-version/img/ajax-loader.gif)](https://www.vouchedfor.co.uk/financial-advisor-ifa/saffron-walden/0961-john-stirling/reviews "Reviews and Ratings for Financial adviser John Stirling, Cambridge") [![Reviews and Ratings for Financial adviser Mikki Gant, Cambridge](https://assets.vouchedfor.co.uk/widgets/ratings-and-reviews/legacy-version/img/ajax-loader.gif)](https://www.vouchedfor.co.uk/financial-advisor-ifa/saffron-walden/067275-mikki-gant/reviews "Reviews and Ratings for Financial adviser Mikki Gant, Cambridge") Andrew is very approachable and takes time to understand both your situation and drivers. It’s great to get clear sound advice and both he and the team that supports him are on the ball. Things just get done. #### Review from Verified Client – October 2025 __ __ __ __ __ Rated 5 out of 5 Mikki very clearly summarised our position and outlined our options across a number of scenarios. Separately she and her team very efficiently dealt with pension consolidation on our behalf, which made a huge difference. Mikki is also available for ad hoc advice which we have needed. #### Review from Verified Client – September 2025 __ __ __ __ __ Rated 5 out of 5 I have been a client of Walden Capital and its predecessor company for the past 20 years. Over that period my family have received expert financial advice. Andrew has continued to provide that same level of expertise that we are accustomed to and we greatly appreciate the time he makes available to us. #### Review from Verified Client – August 2025 __ __ __ __ __ Rated 5 out of 5 John has taken the time to really understand my personal circumstances and has been instrumental in helping me feel financially secure and sleep better at night. He’s guided me through some tough periods, including navigating the financial impact of redundancy, and has played a key role in setting me back on the right path. Our conversations are always forward-looking, focused on smart investments and long-term planning. He’s also helped consolidate my pensions, which are now growing steadily, and provided clear advice on handling stock and equity from previous roles. I really value his thoughtful, steady approach and wouldn’t hesitate to recommend him. #### Review from Verified Client – July 2025 __ __ __ __ __ Rated 5 out of 5 John has helped me in selecting the correct investment instruments based on my family’s situation, including the set-up of a Trust. Additionally, I’ve used John as a sounding board on critical financial decisions, his professional advice and balanced reasoning has been crucial. #### Review from Verified Client – June 2025 __ __ __ __ __ Rated 5 out of 5 ##### Want to learn more? Let's talk We are independent, our advice is impartial and our [fee structure](https://www.waldencapital.co.uk/services/cost-structure/) is transparent. Our approach is simple: we build trusted relationships and focus all our energies to build personalised strategic plans to meet our clients’ individual needs. Helping you achieve your life goals, whatever they may be. If you’d like to find out more, or learn how we can help you reach your investment goals, get in touch. #### (+44) 1799 521017 #### info@waldencapital.co.uk Name \* Email \* Telephone Message \* Sign up to the Walden Capital newsletter - [ ] Yes, I would like to receive regular updated from Walden Capital REQUEST A CALL BACK![Loading](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2026%2026'%3E%3C/svg%3E) ### [Walden Capital - An Independent Financial Firm- Our Company](https://www.waldencapital.co.uk/company/) [Skip to content](https://www.waldencapital.co.uk/company/#content) Company Walden Capital was formed in 2013 by a group of city professionals who aspired to create a Chartered Financial Planning firm.  We sought to offer institutional investment expertise with levels of service and value that could not be found elsewhere. # An Independent Financial Firm We are independent, our advice is impartial and our fee structure is transparent. At Walden Capital our approach is simple: we build trusted relationships and focus all our energies on helping you achieve your life goals, whatever they may be. We take a highly consultative approach to wealth management and our model portfolios form the basis of the personalised strategic plans we create to meet our clients’ individual needs. **Connect with us** [Facebook](https://www.facebook.com/profile.php?id=61551819100711)[Linkedin](https://www.linkedin.com/company/walden-capital-wealth-management/) [![Vouched For - Top Rated Financial Advisor 2025](https://www.waldencapital.co.uk/wp-content/uploads/2025/03/vouchedfor-top-rated-advisor-2025-square-1024x1024.png)](https://www.vouchedfor.co.uk/firm/1060-walden-capital) ## Our advisors [![John Stirling](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201001%201500'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/john-stirling/) #### [John Stirling](https://www.waldencapital.co.uk/company/people/john-stirling/) #### [Chartered Financial Planner FPFS](https://www.waldencapital.co.uk/company/people/john-stirling/) Director / Investment Committee ### John Stirling #### Chartered Financial Planner FPFS Director / Investment Committee [![Mikki Gant Financial Planner](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201001%201500'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/mikki-gant/) #### [Mikki Gant](https://www.waldencapital.co.uk/company/people/mikki-gant/) #### [BA (Hons) DipPFS](https://www.waldencapital.co.uk/company/people/mikki-gant/) Financial Planner ### Mikki Gant #### BA (Hons) DipPFS Financial Planner [![Andy Lee](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201001%201500'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/andy-lee/) #### [Andy Lee](https://www.waldencapital.co.uk/company/people/andy-lee/) #### [Dip PFS CeMAP](https://www.waldencapital.co.uk/company/people/andy-lee/) Financial Planner ### Andy Lee #### Dip PFS CeMAP Financial Planner ### Investment Committee [![Steph Duckworth Walden Capital](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201001%201500'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/steph-duckworth/) #### [Steph Duckworth](https://www.waldencapital.co.uk/company/people/steph-duckworth/) #### [BA(Hons) DESEM](https://www.waldencapital.co.uk/company/people/steph-duckworth/) Chairman / Investment Committee ### Steph Duckworth #### BA(Hons) DESEM Chairman / Investment Committee [![Prof. Jon Rushman](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201001%201500'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/professor-jon-rushman/) #### [Professor Jon Rushman](https://www.waldencapital.co.uk/company/people/professor-jon-rushman/) #### [MA CFA MBA](https://www.waldencapital.co.uk/company/people/professor-jon-rushman/) Investment Committee ### Professor Jon Rushman #### MA CFA MBA Investment Committee [![David Cooper Walden Capital](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201001%201500'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/david-cooper/) #### [David Cooper](https://www.waldencapital.co.uk/company/people/david-cooper/) #### [BA (Hons) Chartered FCSI](https://www.waldencapital.co.uk/company/people/david-cooper/) CEO / Investment Committee ### David Cooper #### BA (Hons) Chartered FCSI CEO / Investment Committee [![Keith Patton](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20264%20295'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/keith-patton/) #### [Keith Patton](https://www.waldencapital.co.uk/company/people/keith-patton/) #### [BA (Hons)](https://www.waldencapital.co.uk/company/people/keith-patton/) Investment Committee ### Keith Patton #### BA (Hons) Investment Committee #### Operations & Technical Team [![Keith Gilchrist](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201001%201500'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/keith-gilchrist/) #### [Keith Gilchrist](https://www.waldencapital.co.uk/company/people/keith-gilchrist/) #### [DipPFS EFA](https://www.waldencapital.co.uk/company/people/keith-gilchrist/) Head of Technical ### Keith Gilchrist #### DipPFS EFA Head of Technical [![Samantha Leggett Walden Capital](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201001%201500'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/samantha-leggett/) #### [Samantha Leggett](https://www.waldencapital.co.uk/company/people/samantha-leggett/) #### [Cert CII (FS)](https://www.waldencapital.co.uk/company/people/samantha-leggett/) Head of Operations ### Samantha Leggett #### Cert CII (FS) Head of Operations [![Zoe Leek](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201001%201500'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/zoe-leek/) #### [Zoe Leek](https://www.waldencapital.co.uk/company/people/zoe-leek/) #### [Cert CII (MP & ER)](https://www.waldencapital.co.uk/company/people/zoe-leek/) Paraplanner and Mortgage Co-ordinator ### Zoe Leek #### Cert CII (MP & ER) Paraplanner and Mortgage Co-ordinator [![](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201700%202560'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/mike-edmunds-2/) #### [Mike Edmunds](https://www.waldencapital.co.uk/company/people/mike-edmunds-2/) #### [BSc(Hons), DipPFS](https://www.waldencapital.co.uk/company/people/mike-edmunds-2/) Trainee Financial Adviser ### Mike Edmunds #### BSc(Hons), DipPFS Trainee Financial Adviser [![Bonnie](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20600%20852'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/bonnie/) #### [Bonnie Taylor](https://www.waldencapital.co.uk/company/people/bonnie/) #### [Cert CII (FS)](https://www.waldencapital.co.uk/company/people/bonnie/) Acting Senior Administrator ### Bonnie Taylor #### Cert CII (FS) Acting Senior Administrator [![](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201756%202560'%3E%3C/svg%3E)](https://www.waldencapital.co.uk/company/people/sebastian-robinson/) #### [Sebastian Robinson](https://www.waldencapital.co.uk/company/people/sebastian-robinson/) #### [Cert CII (FS)](https://www.waldencapital.co.uk/company/people/sebastian-robinson/) Wealth Management Administrator ### Sebastian Robinson #### Cert CII (FS) Wealth Management Administrator ##### Want to learn more? Let's talk We are independent, our advice is impartial and our [fee structure](https://www.waldencapital.co.uk/services/cost-structure/) is transparent. Our approach is simple: we build trusted relationships and focus all our energies to build personalised strategic plans to meet our clients’ individual needs. Helping you achieve your life goals, whatever they may be. If you’d like to find out more, or learn how we can help you reach your investment goals, get in touch. #### (+44) 1799 521017 #### info@waldencapital.co.uk Name \* Email \* Telephone Message \* Sign up to the Walden Capital newsletter - [ ] Yes, I would like to receive regular updated from Walden Capital REQUEST A CALL BACK![Loading](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2026%2026'%3E%3C/svg%3E) ### [Financial Careers and Development - Walden Capital Careers](https://www.waldencapital.co.uk/company/careers/) [Skip to content](https://www.waldencapital.co.uk/company/careers/#content) # Careers ## Financial Careers and Career Development We are always interested to hear from talented individuals who share our passion for providing a highly personalised service to our customers with their financial affairs. We offer competitive salaries with bonus and excellent benefits is available, along with flexible working options. Please send your CV to [David Cooper](mailto:dcooper@waldencapital.co.uk), Chief Executive Officer. [See current positions](https://www.waldencapital.co.uk/company/careers/#current-positions) **Connect with us** [Facebook](https://www.facebook.com/profile.php?id=61551819100711)[Linkedin](https://www.linkedin.com/company/walden-capital-wealth-management/) ### Current positions ### **Experienced Paraplanner** We are seeking a highly motivated level 4 qualified paraplanner with at least 3 years’ experience to work within our technical team. You will have a good overall knowledge of the financial servicers industry and be an excellent team player being able to liaise and work closely with our operations and advisory staff. There is a high level of client contact and an increasing use of cutting-edge technology. You may aspire to eventually become a financial advisor, and such opportunities exist within the firm as we continue to grow rapidly. We offer a very competitive remuneration package to the right candidate that includes great benefits, bonus, hybrid working and support for further exams. Please send applications to kgilchrist@waldencapital.co.uk ##### Want to learn more? Let's talk We are independent, our advice is impartial and our [fee structure](https://www.waldencapital.co.uk/services/cost-structure/) is transparent. Our approach is simple: we build trusted relationships and focus all our energies to build personalised strategic plans to meet our clients’ individual needs. Helping you achieve your life goals, whatever they may be. If you’d like to find out more, or learn how we can help you reach your investment goals, get in touch. #### (+44) 1799 521017 #### info@waldencapital.co.uk Name \* Email \* Telephone Message \* Sign up to the Walden Capital newsletter - [ ] Yes, I would like to receive regular updated from Walden Capital REQUEST A CALL BACK![Loading](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2026%2026'%3E%3C/svg%3E) ## Strategy and Resources ### [Lower risk diversified portfolios - Investment Philosophy](https://www.waldencapital.co.uk/strategy/investment-philosophy/) [Skip to content](https://www.waldencapital.co.uk/strategy/investment-philosophy/#content) # Investment Philosophy Walden Capital believes in harnessing the returns of the market through a structured and disciplined approach over the longer term. **Connect with us** [Facebook](https://www.facebook.com/profile.php?id=61551819100711)[Linkedin](https://www.linkedin.com/company/walden-capital-wealth-management/) ## Our investment philosophy ### A structured, disciplined approach No one can control or second guess the market’s direction and very few managers can consistently beat the market over reasonable periods of time. Walden Capital believes in harnessing the returns of the market through a structured and disciplined approach over the longer term. Ultimately it is not timing but time in the market that is important. The bedrock of our strategic investment plan is the Walden Capital investment portfolio process built using tried and tested institutional methods still rare in the retail space. ![london financial landscape](https://www.waldencapital.co.uk/wp-content/uploads/2023/06/london-financial-landscape.jpeg) A genuine modern-day IFA. **M. B. RETIRED EUROPEAN COO** ### More risk can bring more reward Markets are a product of capitalist society; if you take a risk with your capital you are entitled to share the rewards, but you may also have to accept losses. We believe it is impossible to improve your investment return without taking more risk. Of course, there is good risk and bad risk; higher exposure to the right risk factors leads to higher expected returns, although it cannot guarantee them. Examples of good risk factors include: smaller companies outperform larger ones and value stocks tend to do better than growth stocks. ![Jon Rushman at Walden Capital](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201280%20720'%3E%3C/svg%3E) ![london financial advisors](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20800%20583'%3E%3C/svg%3E) Walden Capital believes in harnessing the returns of the market through a structured and disciplined approach over the longer term. #### Diversified portfolios We don’t hold individual stocks or concentrated funds of only 40–50 stocks. Instead we invest our clients’ assets in diversified portfolios containing thousands of investments, including the shares and bonds of many companies and governments around the world. This diversification produces, on aggregate, less risk in our portfolios. Although diversification cannot insure an investor against loss it can help prevent large losses. #### Controlling what can be controlled Unnecessary high costs and tax inefficiency can significantly reduce your net investment returns and future wealth. We aim to control these factors while ensuring effective asset allocation, which can be responsible for more than 80 per cent of a diversified portfolio’s return patterns over time. The Walden Capital investment philosophy harnesses returns through a structured and disciplined long term approach. We take a contrarian view to those looking at short-term trades, using asset data from the last 10 years to help maximise fund returns for each level of risk. Our research and analysis show that it is not timing but time in the market that is important. History shows that periods of economic growth last much longer than periods of recession hence exposing the risk of being out of the market. This is a concept not recognised by all investors but one which can have a huge impact on long-term returns. Appreciative that the one size fits all approach is outdated and impractical; our investment philosophy is forward looking. Able to remain focused, keeping our head while many around us lose theirs, we can deliver the long-term returns our clients crave. While it’s essential to retain our core investment philosophy, we also adapt to changing times, [**new modelling techniques**](https://waldencapital.wpengine.com/resources/videos/) and client needs. ##### Want to learn more? Let's talk We are independent, our advice is impartial and our [fee structure](https://www.waldencapital.co.uk/services/cost-structure/) is transparent. Our approach is simple: we build trusted relationships and focus all our energies to build personalised strategic plans to meet our clients’ individual needs. Helping you achieve your life goals, whatever they may be. If you’d like to find out more, or learn how we can help you reach your investment goals, get in touch. #### (+44) 1799 521017 #### info@waldencapital.co.uk Name \* Email \* Telephone Message \* Sign up to the Walden Capital newsletter - [ ] Yes, I would like to receive regular updated from Walden Capital REQUEST A CALL BACK![Loading](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2026%2026'%3E%3C/svg%3E) ###### Knowledge & resources The latest news, information and opinion on the current financial situations and trends plus useful guides to investing, pensions and making the most of your wealth. [READ MORE](https://www.waldencapital.co.uk/resources/) Guides ### [Guide to tracing and consolidating your pensions](https://www.waldencapital.co.uk/guides/guide-to-tracing-and-consolidating-your-pensions/) How to find lost savings and build a stronger retirement plan Insights ### [Investment Outlook – Q1 2026](https://www.waldencapital.co.uk/insights/investment-outlook-q1-2026/) Welcome to the latest Walden Capital Investment Outlook for Q1 of 2026 Insights ### [Monthly Markets Update – December 2025](https://www.waldencapital.co.uk/insights/monthly-markets-update-december-2025/) Welcome to the latest Walden Capital Market Insight E-Zine ### [E Smart Money – January / February 2026](https://www.waldencapital.co.uk/esmartmoney/e-smart-money-january-february-2026/) E Smart Money – November / December 2025 Guides ### [Guide to navigating the new pension inheritance tax rules](https://www.waldencapital.co.uk/guides/guide-to-navigating-the-new-pension-inheritance-tax-rules/) How to plan to secure your wealth for the next generation Guides ### [Guide to securing your legacy](https://www.waldencapital.co.uk/guides/guide-to-securing-your-legacy/) Adaptable control, protection, and flexibility across generations ### [Financial Risk Profiling Advisors and Finametrica - Risk profiling](https://www.waldencapital.co.uk/strategy/risk-profiling/) [Skip to content](https://www.waldencapital.co.uk/strategy/risk-profiling/#content) # Risk profiling Risk profiling sits at the core of financial planning and is absolutely fundamental for determining an appropriate investment strategy for our clients. **Connect with us** [Facebook](https://www.facebook.com/profile.php?id=61551819100711)[Linkedin](https://www.linkedin.com/company/walden-capital-wealth-management/) ## Aims of risk profiling The risk profiling process presents a unique opportunity to thoroughly examine the relationship between risk and return, and to ensure the suitability of investment advice. The intended result is a client who fully understands and is comfortable with the potential outcomes of the portfolio they have invested in, as it has been matched to their risk tolerance. There is often a mismatch between the level of risk that someone needs to take to achieve a goal (risk required), the risk they would prefer to take (risk tolerance), and the risk that they can actually afford to take (risk capacity). Rather than being a ‘one-off’ event, the risk profiling process needs to be revisited on a regular basis. This ensures that a particular investment strategy not only remains suitable with regards to a client’s goals, but is also consistent with their capacity for loss and risk tolerance. ![planning wealth for children](https://www.waldencapital.co.uk/wp-content/uploads/2023/06/planning-wealth-for-children.jpeg) With a good perspective on history, we can have a better understanding of the past and present, and thus a clear vision of the future. **CARLOS SLIM HELU** ### Your risk profiling report Walden Capital uses an internationally acclaimed risk profiling system called Finametrica. Based on psychometrics (the blending of psychology and statistics), Finametrica is a web-based system which has been used by 650,000 individuals since 1998. When instructed by us, the system will invite you via email to answer 25 questions that will take about 15 minutes to complete online. You will then receive an instant risk profiling report placing you in one of seven numbered risk groupings (see illustration). [Meet the team](https://www.waldencapital.co.uk/company/) ![Risk Profile Example Graph](https://www.waldencapital.co.uk/wp-content/uploads/2023/05/Risk-Profile.png) ![understanding inheritance tax](https://www.waldencapital.co.uk/wp-content/uploads/2023/06/understanding-inheritance-tax.jpeg) Our regular progress meetings consider your wealth enhancement, wealth transfer, wealth protection and issues that are important to you. #### Next steps We will discuss your report at your Discovery Meeting with Walden Capital and these findings, combined with our own statistical analysis of the data produced, will help decide which of our volatility-based model portfolios is most appropriate to meet your needs. [Book a Call](https://www.waldencapital.co.uk/contact/#book-call) The risk profiling process presents a unique opportunity to thoroughly examine the relationship between risk and return, and to ensure the suitability of investment advice. The intended result is a client who fully understands and is comfortable with the potential outcomes of the portfolio they have invested in, as it has been matched to their risk tolerance. There is often a mismatch between the level of risk that someone needs to take to achieve a goal (risk required), the risk they would prefer to take (risk tolerance), and the risk that they can actually afford to take (risk capacity). Analysis of historical data allows us to identify the individual risk of our model portfolios and their suitability for individual clients. We appreciate clients have different approaches and these will change over time. Rather than being a ‘one-off’ event, the risk profiling process needs to be revisited on a regular basis. This ensures that a particular investment strategy not only remains suitable with regards to a client’s goals, but is also consistent with their capacity for loss and risk tolerance. The investment team is constantly reviewing the risk profile of our model portfolios to ensure consistency and confidence. We have [seven different risk profiles](https://www.waldencapital.co.uk/strategy/model-portfolios/), allowing clients to allocate elements of their funding to different strategies. The statistics show that being out of the market is one of the most significant risks when tracked against long-term returns. ##### Want to learn more? Let's talk We are independent, our advice is impartial and our [fee structure](https://www.waldencapital.co.uk/services/cost-structure/) is transparent. Our approach is simple: we build trusted relationships and focus all our energies to build personalised strategic plans to meet our clients’ individual needs. Helping you achieve your life goals, whatever they may be. If you’d like to find out more, or learn how we can help you reach your investment goals, get in touch. #### (+44) 1799 521017 #### info@waldencapital.co.uk Name \* Email \* Telephone Message \* Sign up to the Walden Capital newsletter - [ ] Yes, I would like to receive regular updated from Walden Capital REQUEST A CALL BACK![Loading](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2026%2026'%3E%3C/svg%3E) ###### Knowledge & resources The latest news, information and opinion on the current financial situations and trends plus useful guides to investing, pensions and making the most of your wealth. [READ MORE](https://www.waldencapital.co.uk/resources/) Guides ### [Guide to tracing and consolidating your pensions](https://www.waldencapital.co.uk/guides/guide-to-tracing-and-consolidating-your-pensions/) How to find lost savings and build a stronger retirement plan Insights ### [Investment Outlook – Q1 2026](https://www.waldencapital.co.uk/insights/investment-outlook-q1-2026/) Welcome to the latest Walden Capital Investment Outlook for Q1 of 2026 Insights ### [Monthly Markets Update – December 2025](https://www.waldencapital.co.uk/insights/monthly-markets-update-december-2025/) Welcome to the latest Walden Capital Market Insight E-Zine ### [E Smart Money – January / February 2026](https://www.waldencapital.co.uk/esmartmoney/e-smart-money-january-february-2026/) E Smart Money – November / December 2025 Guides ### [Guide to navigating the new pension inheritance tax rules](https://www.waldencapital.co.uk/guides/guide-to-navigating-the-new-pension-inheritance-tax-rules/) How to plan to secure your wealth for the next generation Guides ### [Guide to securing your legacy](https://www.waldencapital.co.uk/guides/guide-to-securing-your-legacy/) Adaptable control, protection, and flexibility across generations ### [Cashflow Modelling Software - A Snapshot of Your Financial Future](https://www.waldencapital.co.uk/strategy/lifestyle-cashflow-modelling/) [Skip to content](https://www.waldencapital.co.uk/strategy/lifestyle-cashflow-modelling/#content) # Lifestyle cashflow modelling Cashflow Modelling Software tool Voyant – prepare your strategic Assessment with our financial advisors, enjoy state-of-the-art modelling and expert consultation on wealth management. [Book a Call](https://www.waldencapital.co.uk/contact/#book-call) **Connect with us** [Facebook](https://www.facebook.com/profile.php?id=61551819100711)[Linkedin](https://www.linkedin.com/company/walden-capital-wealth-management/) ![E Smart Money Jan/Feb 2024](https://www.waldencapital.co.uk/wp-content/uploads/2024/01/e-smart-money-jan-feb-2024.jpg) Each stage of life presents unique financial considerations, and having a solid understanding of your options will empower you to make the best choices for yourself and your loved ones. ## Is Lifestyle Cashflow Modelling Right for You? **As you approach retirement:** it’s crucial to plan with clarity to ensure a comfortable future. Using cashflow modelling software helps you take stock of your financial situation and set clear goals, enabling a smooth transition into this new phase of life. **In the midst of your career:** reflection is key. Take the time to assess and realign your financial journey. Are you on track to meet your long-term objectives? Cashflow modelling softwareoffers a dynamic tool to help you reassess your financial situation and adjust your course as needed. **As you navigate life’s milestones:** whether it’s buying a home, starting a family, or sending children to university, it’s essential to make informed decisions. With the support of advanced cashflow modelling software, you can assess the impact of these life events on your financial future. Each pivotal moment presents unique financial considerations, and having a solid understanding of your options will empower you to make the best financial lifestyle management decisions for yourself and your loved ones. [Book a Call](https://www.waldencapital.co.uk/contact/#book-call) ## Exploring Your Financial Future with Voyant Voyant enables us to take a snapshot of your financial future starting from the date of your Discovery Meeting until a specified age, normally between 90 and 100.  We collect and log as many facts as possible and also consider future variable spending such as school fees, holidays, life in retirement and care provision. The resulting findings are often a shock, as many people realise that their pensions and plan to downsize the family home are grossly insufficient to maintain the standard of living they have been used to. We use Voyant cashflow forecasting, the original (and in our opinion still the best) cashflow modelling software for building a comprehensive cashflow model of your future. This enables us to build snapshots of possible financial futures, giving you insight as to what might happen in different circumstances. By adding granular detail to your model, we can give you confidence that you won’t run out of money before your chosen end date. Whether you live to 70, or 170, the most important part of financial planning is avoiding nasty shocks. Whilst we know that any model is only as good as the data, and will almost certainly divert from reality straight away, having a model that can be revised as circumstances change, and can signpost problems and opportunities years into the future, provides much needed reassurance for our clients. We cannot control markets, or the future, and underlying investments may not perform in line with expectations, but building a plan, and updating it as things change, offers a real competitive advantage, allowing our clients to feel safer than they otherwise might. There are a lot of ‘ingredients’ in successful financial planning, whether it’s the investment solution, using one of our carefully designed Model Portfolios, assessment of risk, and capacity for loss, your cash flow model, or simply the coaching and mentoring around your relationship with money, Walden Capital understands how to deliver this service successfully to clients, and has been doing so for over a decade ![Walden Capital Voyant](https://www.waldencapital.co.uk/wp-content/uploads/2024/04/voyany-software.png) ### Trusted by our customers: We’re proud that our financial advisors are rated 4.8 out of 5 and this demonstrates our commitment to providing a highly personalised approach to financial planning for you and your family. ## Gap analysis Mind the Gap!! A cashflow forecast gives useful information about whether you’re ‘on plan’ to have enough money throughout your lifetime. Cashflow modelling software helps you identify potential shortfalls, giving you the opportunity to plan ahead and ensure you can live the life you aspire to, not the one that happens by accident. Your detailed financial plan allows us to analyse whether there are any potholes in your roadmap that need to be filled and determine the best strategy to achieve this. [Meet the team](https://www.waldencapital.co.uk/company/) ## Find out if we're right for you. Book a discovery call at a time to suit you and find out if we’re the right advisor for you, or contact us on the details below. CALL US ON ### **(+44) 1799 521017** EMAIL US ### **info@waldencapital.co.uk** [ENQUIRY FORM](https://www.waldencapital.co.uk/contact/) ###### Knowledge & resources The latest news, information and opinion on the current financial situations and trends plus useful guides to investing, pensions and making the most of your wealth. [READ MORE](https://www.waldencapital.co.uk/resources/) Guides ### [Guide to tracing and consolidating your pensions](https://www.waldencapital.co.uk/guides/guide-to-tracing-and-consolidating-your-pensions/) How to find lost savings and build a stronger retirement plan Insights ### [Investment Outlook – Q1 2026](https://www.waldencapital.co.uk/insights/investment-outlook-q1-2026/) Welcome to the latest Walden Capital Investment Outlook for Q1 of 2026 Insights ### [Monthly Markets Update – December 2025](https://www.waldencapital.co.uk/insights/monthly-markets-update-december-2025/) Welcome to the latest Walden Capital Market Insight E-Zine ### [E Smart Money – January / February 2026](https://www.waldencapital.co.uk/esmartmoney/e-smart-money-january-february-2026/) E Smart Money – November / December 2025 Guides ### [Guide to navigating the new pension inheritance tax rules](https://www.waldencapital.co.uk/guides/guide-to-navigating-the-new-pension-inheritance-tax-rules/) How to plan to secure your wealth for the next generation Guides ### [Guide to securing your legacy](https://www.waldencapital.co.uk/guides/guide-to-securing-your-legacy/) Adaptable control, protection, and flexibility across generations ### [Model portfolios - Walden Capital](https://www.waldencapital.co.uk/strategy/model-portfolios/) [Skip to content](https://www.waldencapital.co.uk/strategy/model-portfolios/#content) # Our model portfolios Walden Capital’s Investment Committee, comprising senior figures from the City of London and academia, has built each of our seven model portfolios to align with the seven categories of risk grouping identified by the Finametrica risk profiling tool. **Connect with us** [Facebook](https://www.facebook.com/profile.php?id=61551819100711)[Linkedin](https://www.linkedin.com/company/walden-capital-wealth-management/) ## Matching your risk with our model portfolios Having identified how much risk you are comfortable taking, we then match this same level of risk to one of our specially constructed portfolios. We utilise Nobel prize-winning academic investment theory to gain exposure to the most appropriate asset in the most diversified and cost-effective manner. As a result the OCF (ongoing charge figure) for our portfolios ranges between 0.31 per cent to 0.46 per cent, with the number of individual assets held running into many thousands. Our Investment Committee review the portfolios on a quarterly basis and also invest a significant portion of their own wealth. ![Jon Rushman at Walden Capital](https://www.waldencapital.co.uk/wp-content/uploads/2023/05/Video-art-John-RS-copy.jpg) ### Maximising returns Our risk categorisation is measured in terms of the volatility you can expect from a portfolio comprising various different assets that will exhibit different return characteristics. Volatility is simply how ‘bouncy’ returns are around an expected average return. For example, cash has a low volatility as the daily return of a bank deposit rate is very stable, whereas a single share could be highly volatile due to a constantly moving price. The technical name for the model used by our Investment Committee is covariance analysis and is built using a correlation matrix. The idea is that each of our portfolios attempts to maximise the returns available for a given level of risk, taking into consideration asset data for the last 10 years. [View Historic Performance](https://docs.elstonsolutions.co.uk/WCPMPERF) [![Performance benchmarks April 2023](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20800%20606'%3E%3C/svg%3E)](https://docs.elstonsolutions.co.uk/WCPMPERF) Source: F E Analytics, data to 30/04/23. All figures quoted are on a total return basis inclusive of fund charges but exclusive of platform and advisor fees. We benchmark our model portfolios against the Asset Risk Consultants Private Client Indices www.assetrisk.com ![financial advice with technical expertise](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20800%20533'%3E%3C/svg%3E) Having identified how much risk you are comfortable taking, we then match this same level of risk to one of our specially constructed portfolios. #### Your comfort zone Although the past is not a guide to the future it does suggest certain patterns and levels of correlation between assets that could provide mathematically higher dimensions of return when blended together. We cannot tell you how much you will make from being invested in our portfolios over any given timeframe, but we can say that over the longer term those with a higher categorisation of risk should produce a greater return but also exhibit a higher level of volatility. [Book a Call](https://www.waldencapital.co.uk/contact/#book-call) Model portfolios are not new, but our approach is cutting-edge, creating a range of options tailored for clients. Having identified how much risk you are comfortable taking, we then match this same level of risk to one of our specially constructed portfolios. Nobel prize-winning academic investment theory, we identify ways to gain exposure to appropriate assets in a diversified and cost-effective manner. Constantly under review by our investment committee, many of whom have invested a significant portion of their personal wealth, we are flexible to changing markets. Our efficient investment strategy allows for a competitive charging structure. As a result the OCF (ongoing charge figure) for our portfolios ranges between 0.31 per cent to 0.46 percent, with the number of individual assets held running into many thousands. This compares favourably against our peers, with more of your funds remaining invested, enhancing long-term returns. In summary, a defined structure and **[risk profile](https://www.waldencapital.co.uk/services/risk-profiling/)** for each model portfolio allow us to match these with individual client requirements. The theory and the practice behind our model portfolios ensure that we can deliver consistent relative long-term returns. ##### Want to learn more? Let's talk We are independent, our advice is impartial and our [fee structure](https://www.waldencapital.co.uk/services/cost-structure/) is transparent. Our approach is simple: we build trusted relationships and focus all our energies to build personalised strategic plans to meet our clients’ individual needs. Helping you achieve your life goals, whatever they may be. If you’d like to find out more, or learn how we can help you reach your investment goals, get in touch. #### (+44) 1799 521017 #### info@waldencapital.co.uk Name \* Email \* Telephone Message \* Sign up to the Walden Capital newsletter - [ ] Yes, I would like to receive regular updated from Walden Capital REQUEST A CALL BACK![Loading](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2026%2026'%3E%3C/svg%3E) ###### Knowledge & resources The latest news, information and opinion on the current financial situations and trends plus useful guides to investing, pensions and making the most of your wealth. [READ MORE](https://www.waldencapital.co.uk/resources/) Guides ### [Guide to tracing and consolidating your pensions](https://www.waldencapital.co.uk/guides/guide-to-tracing-and-consolidating-your-pensions/) How to find lost savings and build a stronger retirement plan Insights ### [Investment Outlook – Q1 2026](https://www.waldencapital.co.uk/insights/investment-outlook-q1-2026/) Welcome to the latest Walden Capital Investment Outlook for Q1 of 2026 Insights ### [Monthly Markets Update – December 2025](https://www.waldencapital.co.uk/insights/monthly-markets-update-december-2025/) Welcome to the latest Walden Capital Market Insight E-Zine ### [E Smart Money – January / February 2026](https://www.waldencapital.co.uk/esmartmoney/e-smart-money-january-february-2026/) E Smart Money – November / December 2025 Guides ### [Guide to navigating the new pension inheritance tax rules](https://www.waldencapital.co.uk/guides/guide-to-navigating-the-new-pension-inheritance-tax-rules/) How to plan to secure your wealth for the next generation Guides ### [Guide to securing your legacy](https://www.waldencapital.co.uk/guides/guide-to-securing-your-legacy/) Adaptable control, protection, and flexibility across generations ### [Advanced financial planning and Wealth Management Resources](https://www.waldencapital.co.uk/resources/) [Skip to content](https://www.waldencapital.co.uk/resources/#content) # Resources The latest news, information and opinion on the current financial situations and trends plus useful guides to investing, pensions and making the most of your wealth. 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