Independent Financial Advice — Stripping Out Complexity, High Fees, and Unnecessary Volatility.
Personal, evidence-based wealth architecture for private clients, UK business owners, and sports professionals.
Paul McFarlane DipFA — Family-Grounded, Fiercely Independent
Most traditional wealth management is built to benefit the institution, not the family taking the risk.
Backed by 15 years of institutional asset allocation data, our investment architecture strips away opaque multi-layered charges, speculative fund-manager guesswork, and hidden fixed-income vulnerabilities. We separate your capital into two unmistakable roles: a low-cost Growth Engine and a rock-solid Defensive Anchor.
Global and regional equity exposure captured exclusively via low-cost, institutional index trackers—never bloated, overpriced active fund managers whose fees relentlessly erode your long-term compounding.
We refuse to invest client capital in volatile UK or International Fixed Interest (bonds) or illiquid Commercial Property. Instead, defensive allocations are held in true cash and institutional short-term money market funds—delivering stability and reliable yield without bond-market shocks.
Built on 'Advice Only' ethics to outperform traditional Discretionary Fund Managers (DFMs) by keeping costs low and asset allocation disciplined. Every pound saved in unnecessary middleman charges stays inside your family's portfolio.
Rather than burying your defensive money in volatile bond funds that fell sharply alongside equities in recent rate cycles, we dial your risk up or down simply by adjusting the ratio between Global Index Equities and Institutional Cash / Money Markets.
Focus: Corporate Cash Optimisation & Tax-Efficient Wealth Extraction.
Helping profitable SMEs move lazy balance-sheet cash out of low-interest business current accounts into liquid, institutional money-market structures, alongside structured pension and dividend extraction strategies.
Focus: Activity-Based Financial Education & Player Care.
Creator of The Financial Pitch—practical financial literacy workshops piloted with professional football academy apprentices to protect young athletes from early-career financial pitfalls and build lifelong wealth habits.
True financial advice reaches far beyond investment charts—it means actively protecting your household and extended family from everyday financial harm.
Through our monthly McFarlane Money Matters briefing, we share candid, actionable guidance on household protection, consumer rights, and structural tax efficiency. Below are two featured briefings from our recent edition:
We address the critical issue of protecting elderly or vulnerable relatives from aggressive, unauthorised doorstep and telephone utilities transfers—detailing the immediate regulatory steps, Lasting Power of Attorney (LPA) registrations, and supplier lock-ins required to safeguard family members.
Immediate Safeguarding Checklist:
• Register vulnerable relatives on the Priority Services Register (PSR).
• Invoke Ofgem erroneous transfer rules within cooling-off periods.
• Establish third-party bill management or registered LPA oversight.
We examine the re-emergence of the offset mortgage as a highly effective tool for structured wealth management—allowing higher and additional-rate taxpayers to reduce mortgage interest charges pound-for-pound without triggering income tax on savings interest or sacrificing instant access to cash reserves.
Why Offset Structures Work Today:
• Tax-free effective return equivalent to your mortgage interest rate.
• Full liquidity retained for emergencies, school fees, or tax bills.
• Ideal partner to our 'Engine & Anchor' cash management approach.
One candid, jargon-free monthly note written personally by Paul. No market noise, no spam, and easy one-click unsubscribe at any time.
Diploma for Financial Advisers (DipFA) • Authorised through One Financial Solutions (FCA 1035542)
Good financial planning shouldn't feel like an intimidating boardroom interrogation, nor should it involve handing your life savings over to a layers-deep corporate machine that charges you nearly 2% a year for mediocre results.
I founded McFarlane Money to offer the exact standard of advice I demand for my own family: straight-talking, fiercely independent, and grounded in verifiable evidence. Whether we are structuring retirement capital for a family, optimising corporate cash for a UK business owner, or teaching 17-year-old football academy scholars how to look after their first professional contract, my rule is identical—strip out what doesn't work, keep costs rock-bottom, and never take unnecessary risks with money you cannot afford to lose.
If we work together, you deal directly with me. I will always explain the why behind every recommendation in plain English, and if the smartest move is simply to leave something alone or pay down a mortgage, I will tell you candidly.
100% Independent
Whole-of-market objectivity with zero tied products or in-house fund agendas.
Family-First Rigour
Every portfolio and safeguarding plan is built as if it were for our own household.
Direct Personal Access
Speak directly with Paul—never passed around junior call-centre teams.
A relaxed, 20-minute phone or video conversation to understand your priorities, answer initial questions, and see if our approach is the right fit. No sales pitch and no obligation.