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High income? We can help you Prosper.

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You work hard, earn a high income and have a very comfortable lifestyle. You also pay a significant amount in tax but rarely get time to focus on your long term financial future, let alone research ways of managing your affairs in the most efficient way possible.

You may have plans to retire or at least are thinking of a time when you will spend less time working. You want to guarantee that your lifestyle will not be affected when that time comes and would benefit from a focussed plan that ensures you will always have enough income and your wealth will grow.

“Since investing a significant amount of money with them, we have been consistently impressed with their management of our portfolio.”

James Nunn

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We will manage your investments so that you can sit back and watch your wealth grow, safe in the knowledge that your  money is being looked after by regulated experts with a proven track record for growth.



Many of our clients have one key question that keeps them up at night, “Will I outlive my assets?”. You want to make sure that you have enough income in retirement to maintain your current lifestyle. We can help you achieve clarity on what your future will look like and give you confidence to make the right decisions that help you reach your goals.



Using our planning software we can explore the long-term effects of any number of different scenarios. This real-time view of the consequences of possible choices you may make is invaluable as a tool to help you understand where you are now and what the effects will be if your situation changes. You may even find out that you have more than enough to comfortably retire today.


If you are currently paying 40% or over in income tax there is a significant chance that you are not managing your finances and savings in the most tax-efficient way possible. To illustrate this point we recently published an article describing a couple who could reduce the tax on their investments by an incredible £226,436 over 20 years just by maximising their ISA allowance each year.


If you are a high earner then the chances are that you will receive bonus payments in addition to your basic salary. It is possible to make huge savings in tax by using bonus sacrifice to pay into your pension plan as you are not taxed on the amount that you give up. Your employer saves too as they will not pay national insurance on the amount you give up and in some cases are prepared to pass on some or all of these savings.



As you start to think about retiring or at least working less, you will be faced with many possible options which can be difficult to get a clear picture of. Our Prosper service provides you with clarity on the different paths that are open to you and our planning software lets you test different scenarios without any risk. This enables you to feel entirely confident that you are making the right choices that will lead you to acheiving your goals.


With your Financial Plan in place, you can be sure that your money is working hard and in the most beneficial way possible to ensure your long term financial security. Every scenario has been looked at and considered and you are clear of where you are now and what your goals are for the future. You feel confident that your plan includes proven strategies to deliver predictable results with minimum risk.

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You are busy individuals and do not have a huge amount of time to manage your financial assets. We can manage and grow your wealth, simplifying your options and helping you gain clarity on your future.

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 everybody deserves to live a secure and fulfilled life and this belief is what our Prosper service was built around.

The service focuses on three main areas… 

Independent Financial Advisers Colchester Essex - clarity


Our Prosper service is designed to help you gain complete clarity over your present and future financial positions. We use our planning software to show how different scenarios will affect your long-term security.



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



With a 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.


See what our clients have to say…


“I first came to Woodruff Financial Planning on a recommendation in 2008, and have never regretted doing so. After years of believing I should be capable of managing my investments myself I eventually started handing them over piecemeal to the firm, gaining confidence with each handover. Instead of losing control of my affairs, I now find that with our annual meetings, quarterly reports and regular phone calls I have a much better understanding of my finances and investments and am always encouraged to be as involved in decisions as I choose to be.”

Gill Wood

"You explain things in simple language."

"You offer a high level of personal service, making me feel valued."

"You make us feel that we matter."

"We never feel rushed to make a decision. The detailed reports and online information is excellent."


of our clients say our advice is easy to understand


of our clients say they get value from our service


of our clients say we care about their needs


of our clients say they are "extremely happy" or "very happy" with our service


of our clients would recommend us to a friend


of our clients say they trust us to look after their best interests

 Click below to learn more about how our Prosper service works 

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High income financial planning process

The discovery meeting is all about finding out about you. We need to understand what’s important to you, and what your primary goals are for the future.  We ask a series of questions that are designed to get you to focus on what you want from the rest of your life. Our clients find this process extremely valuable and enlightening.

By now you will have received a printed proposal outlining our costs. In the Fact Find meeting we will start a comprehensive data analysis of your current and future spending patterns as well as looking at your current income, expenditures, and looking at details of what assets and liabilities you have.

During this meeting we will run through your financial plan and look at different scenarios and the routes you can take to achieve your goals. Using our planning software you will immediately be able to see the benefits of any products or investments we have recommended. This is a highly collaborative and interactive stage and puts you at the centre of your financial decisions.

Now that we have set out your goals and have a clear financial plan in place to achieve them, we can begin implementing an investment management portfolio or arranging the appropriate financial products. Now you can sit back and relax as we work hard to help you achieve the life you dream of.

Get your free mini guide on How to Prosper from your High Income

This FREE Mini Guide is perfect for you if you want to manage your high income wisely, and ensure your financial future is secure so you can live the life you really desire.

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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 CISI
Chartered Financial Planner CFP
Chartered Wealth Manager