We left large institutional firms to build a partner-led practice free from bureaucracy, corporate conflicts, and outsourced compromises.
At Plutus, you do not get passed off to junior account managers or call centers. You deal directly with our partners and chartered specialists who construct your plan and manage your portfolio. Deep intellectual curiosity, independent thinking, and fiduciary integrity define every engagement.
Managing Partner & Investment Manager
BA, MSc, DipPFS, IMC (CFA UK)
Founding partner and investment committee lead. Advises Big Four partners, City bankers, tech entrepreneurs, and retiring families.
Chartered Financial Planner, CFA & Partner
Master's (Oxford), CFA, APFS
Former Goldman Sachs & BlackRock absolute return manager. Holds the rare dual distinction of CFA Charterholder and Chartered Financial Planner.
Chartered Financial Planner
Fellow of PFS (FPFS), Equity Release
Over two decades in independent wealth advice, starting at American Express in 2003. Expert in behavioral finance and intergenerational transfers.
Chartered Paraplanner & Champion
Chartered Paraplanner (LIBF & PFS)
Specialises in complex technical research, lifetime cash flow modelling, and serves as our dedicated Vulnerable Customers Champion.
Chartered Financial Planner
BSc (Birmingham), Chartered Planner
Expert in long-term scenario forecasting and lifetime cash flow modelling. Career ignited during Aston Martin Lagonda's IPO.
Independent Mortgage Adviser
Advanced Mortgage Advice (SMP, PFS)
Bespoke lending specialist connecting high-net-worth clients, entrepreneurs, and property investors with UK private banks.
Founding Partner & Financial Planner
BEng Systems Engineering (ANU)
Founding partner applying systems engineering precision to cash flow modeling, property finance, and outcome-based planning.
Office Administrator
30+ Years Banking Operations
Head of client servicing and compliance operations. Ensures smooth client onboarding and administrative efficiency.
Associate Planner & Financial Educator
BSc Physics, Morningstar Panelist
Former seismic geophysicist and founder of an 85,000+ follower financial literacy platform. Passionate about demographic education.
Chartered Financial Planner
Chartered Planner (2013), Deutsche Bank
15 years in fixed income derivatives at Deutsche Bank followed by 18 years as a Chartered adviser. Skeptic of herd consensus.
Nine real stories of financial transformation, retirement security, and wealth transition.
"Referred to Julius Lipner after managing our own portfolios. Praise Julius for thorough planning, strong investment performance, ethical values, and extending planning to protect our daughter's financial future."
Generational Protection"Former Financial Services business founder who sold his firm; previous client of a major private bank where he felt like 'one of a herd' paying high fees. Plutus delivered superior performance, lower fees, and multigenerational Trusts."
Private Bank Herd Alternative"15+ year relationship with Mark Croxford dating back to General Counsel tenure. Managed annual and lifetime allowances, CGT mitigation, repatriation of overseas legacy assets, and passive income generation."
International Repatriation"Retained Plutus in 2018 while working overseas. Guided through UK property acquisition, stress-testing against historical disasters, and retirement. Described the 7-year engagement as life-changing."
Expat Stress-Testing"Steve completed a successful business exit and required capital stewardship to ensure non-renewable exit funds lasted a lifetime. Plutus structured sustainable retirement cash flows and ethical ESG portfolios."
Exit Proceeds Stewardship"Guided through full retirement transition and navigating care costs for an elderly mother. Praised steady portfolio resilience through Brexit, the COVID-19 pandemic, and US elections."
Care Costs & Resilience"Career professional seeking early retirement for voluntary work with multiple workplace pensions. Plutus provided fixed implementation fee transparency and consolidated wrappers to maximize tax relief."
Early Retirement & Philanthropy"15-year advisory relationship with Ruban Sanmuganathan. Continuously praised proactive adaptation to evolving UK tax laws, pension reforms, and personal circumstances."
15-Year Partnership"Young professionals with two children seeking to balance wealth accumulation with present lifestyle. Structured savings to fund a mountain holiday home while securing long-term retirement."
Lifestyle & Holiday HomeWe welcome exploratory conversations to understand your wealth aspirations and discuss how our partner-led approach fits your situation.
Book an Introduction →