Helping you secure your future and live your dreams

Welcome to our Prosper service.

Our goal is to help you achieve your full potential using our award winning financial planning and wealth management services.

We believe that you deserve to live a secure and fulfilled life and this belief is what our Prosper service was built around.

The Prosper service focusses on three main areas…


Our Prosper service is designed to help you gain complete clarity over your present and future financial positions. We use our financial planning software to show you realistic scenarios that illustrate the possible effects that future financial decisions and events might have. This gives you peace of mind and the confidence to start working towards your future goals.


Once you fully understand where you are now and where you want to be, you will be able to focus on what truly matters to you. We are then able to put together a strategic plan to enable you to make the future you are dreaming about a reality.

By developing a comprehensive Financial Plan, we will enable you to take control of your finances and focus on getting you to your goals as quickly as possible.


With your Financial Plan in place, you can sit back and relax, safe in the knowledge that your money is being looked after by regulated experts with a track record for growth and a genuine dedication to customer care.

In managing your investments, we use proven strategies to deliver predictable results with minimum risk.


Designed with you in mind.

Our financial planning process
The Prosper financial planning process

The discovery meeting allows us to find out about you and also helps you to decide if you want to work with us. We ask a series of questions to understand what’s important to you, and what your primary goals are for the future.  We use visualisations to explain the Financial Planning process so you can evaluate how it could benefit you.  We send you a Service Proposal to explore the issues from this meeting and explain how our service will work for you.

In the fact find meeting we gather the data we need to understand your finances. We conduct a comprehensive data analysis of your income, expenses, assets, and liabilities, so we can examine current and future spending patterns. We need comprehensive details to fully evaluate your position so we can plan for your future. We help you to make sense of your money and fill in any gaps in your data. We will follow up with further queries to your product providers.

Your financial plan examines your current finances, based on reasonable assumptions about the future. We assess possible gaps in your planning you might not consider, so you can be in a more secure position. We compare the current position with different scenarios, so you will immediately see the benefits of any improvements we have recommended. This is a highly collaborative and interactive stage and puts you at the centre of your financial decisions.

Your financial plan will give you a series of recommendations to improve your financial security, and also work towards a better lifestyle. With a clear financial plan in place to achieve your goals, we can implement an investment management portfolio or arrange any appropriate financial products to meet any needs we identify. We'll do the administration so you can sit back and relax as we work hard to help you achieve the life of your dreams.

Reviewing your financial plan


You will receive regular contact from us with investment valuations every 3 months (although you also get access to our portal for daily valuations if you prefer). You will be offered at least one annual meeting to review your Financial Plan and investment portfolio, making the necessary adjustments for your current circumstances so that you remain on track to achieve your goals. We'll also update you with tax data, and make sure you use tax allowances as early as possible for maximum benefit.

Take a look at how we’ve helped our clients…


Watch your financial plan as a video.
We don’t just provide you with a written review. To add value, we uniquely give deep insights with a personalised 20-30 minute video produced by your Financial Planner.
This gives you an accessible, and actionable reminder of the recommendations provided in your meeting. See more in the video below:

“The Video Financial Plan”

I have just watched the video version of my financial plan. Thank you for providing such a clear and informative presentation. It’s a really excellent way of keeping me informed of my financial circumstances.

Professor WJ Gullick (became a client in 2014)

Emeritus Professor of Cancer Biology, University of Kent at Canterbury

“The Video Financial Plan is very easy to follow”

I just wanted to say that I really liked your video financial plan presentation that went with the written report. It was very easy to follow.

Rachel Skells

Partner at Whittle & Co Chartered Accountants, Colchester, Essex


Watch the videos below to see how our Prosper service helps you to manage your investments.

The investment management review

Quarterly valuations of your portfolio

Maximising tax-efficiency of your investments


Read our Investment Philosophy guide

our investment philosophy


As part of your service you will get access to the Personal Finance Portal.

This is a secure way for us to communicate with you.

- Get up-to-date investment valuations -

- Receive and send messages -

- Store all your financial documents in one place -

- View and update your financial data -

- Access all this at any time -


Delivering you more value.



All clients get an initial financial plan**.

You can choose to add investment management if you want us to analyse and manage your investments and pension plans.

Future financial planning** and investment management are included as part of the service for an ongoing fee.


We charge an initial Planning fee. This is £3,000* for Financial Planning, or £4,000* if we include Investment Management. The Planning fee is payable even if you do not take up any product recommendations. For trusts which do not require Financial Planning, we will reduce this Planning fee.

We charge an Implementation fee for investments we set up on your behalf. This is 1% of the investments we arrange, or transfer to our management up to £2 million and 0.5% on any amount over that figure.

For annual reviews we charge 1% of the investments managed.



You pay for the initial review at the end of the process.

The annual review charge is deducted monthly from the start of your service.

Payments can be deducted from your investment funds or you can pay separately. The choice is yours.



Our Prosper service is designed for those with complex financial needs. As a result it works best with those with at least £400,000 in invested assets (investments and pension plans).

The annual review is subject to a minimum charge of £4,000 per year**.

* The initial Planning fee may be greater if you have complex Financial Planning needs, want us to manage flexible pension withdrawals, or analyse existing investments and pension plans.

** Some trusts do not require Financial Planning, so we may be able to reduce the initial Planning fee and Annual minimum fees in these cases.


of our clients say our advice is easy to understand


of our clients say we are responsive to their needs


You have three ways to meet with your adviser, they are: Face-To-Face, Phone Meetings and Screen Sharing. You can switch between the options whenever you want.


Meeting face-to-face at our office gives you the best access to your adviser, and our facilities.

Phone Meeting

Instead of meeting up, we can simply talk over the phone, referring to written reports as necessary.

Screen Sharing

We are able to use screen sharing applications to hold a meeting wherever you are. You just need access to a computer or tablet, and the internet.


I’ve been a client of Dan and the team for the past couple of years. I feel very comfortable and confident they manage our pensions and investments in the best manner that meets our requirements. I have no hesitation in recommending them.

Simon Huggett Colchester, Essex


Fantastic advice from someone who took the time to understand what I wanted, and then gave me options I didn’t know about. Made the whole process very easy. Thoroughly recommend.

Paul Bleck Business owner, Colchester


Dan has been an enormous help in guiding me through my pension needs which began through my divorce. Top class friendly service. I would not hesitate in recommending him.

Anne Blackwell Colchester, Essex

See what sets us apart from other independent financial advisers...

Click below and let us show you how we can help YOU Prosper

Start taking control of your future today…

Call us on 01206 919101 or request a call back below

Dan Woodruff. Certified Financial Planner and Chartered Wealth Manager, Colchester, Essex

Unit 5, Park Lane Business Centre, Park Lane, Langham, Colchester, Essex CO4 5WR


We focus on so much more than just your financial planning. We aim to help you reach your full potential, achieve your goals and help you live the life of your dreams.

Click below and discover our Prosper service.

Chartered Fellow
Certified Financial Planner CFP
Chartered Wealth Manager