Why Financial Advice?
UK Freelancers
Retirement Planning
Financial advice can be a game-changer for UK freelancers, helping you navigate the complexities of irregular income, tax obligations, and long-term financial security.
Retirement Planning
Retirement Planning
Unlike traditional employees, freelancers don’t have automatic pension enrolment. I can help set up and manage pension plans, ensuring long-term financial security.
Investment Strategies
Freelancers can benefit from tailored investment advice to grow their wealth and safeguard their future
Insurance & Protection
Income Stability and Budgeting
Without employer-provided benefits, freelancers need to secure their own income protection, life insurance, and critical illness cover. I can help find the best options.
Tax Efficiency
Income Stability and Budgeting
Income Stability and Budgeting
Understanding tax obligations, deductions, and allowances can be tricky. Expert advice ensures freelancers take advantage of tax-saving opportunities while staying compliant.
Income Stability and Budgeting
Income Stability and Budgeting
Income Stability and Budgeting
Freelancers often experience fluctuating earnings. I can help create a budget that accounts for variable income, ensuring financial stability even during lean months.
Malt Member Offers
Investment & Pension Advice: 0.25% Malt Discount
- Standard Advice Fees: Range from 1% to 4% depending on complexity, work involved, number of ceding schemes, and total investment/transferred value.
- Malt Offer: 0.25%. Malt members get rates of 0.75% to 3.75% instead.
- Example: For a £100k investment, the typical fee is 3% (£3,000), but for Malt members, it would be 2.75% (£2,750).
Free Protection Review (Insurance Advice)
- Includes a review of your Life Cover, Income Protection, Private Medical, Home Insurance, and Critical Illness protection needs to ensure you have adequate cover.
- This service includes Limited Company Director related insurances as well as personal cover.
- This service is free
Full Financial Review: 33% Malt Discount
- Standard Price: £1500 +VAT
- Malt Member Price: £999 +VAT
- Malt Offer: 33% Discount
Cash Flow Planning: 25% Malt Discount
- Standard Price: £999 +VAT
- Malt member Price: £750 +VAT
- Malt Offer: 25% Discount
A Bit About Me
David Waters, ACSI
I am a Self-Employed Sole Trader, and I partner with Quilter Financial Advisers. I have a career in Financial Services spanning over 2 decades.
One of the key reasons I became a Financial Adviser is that I thrive on meeting new people and growing relationships. This means that I have a client centric approach to everything I do. As we get to know each other you'll find out that I enjoy Clay Pigeon Shooting, travelling, and am a self-proclaimed geek- I love gaming and movies. Trying new things, whatever they may be, also ranks highly in my priorities.
I've built a network of strong, long-term relationships by giving expert advice across a range of clients – Business Owners, Senior Professionals, Military Officials, Sporting Professionals, Entrepreneurs and Employees. This has allowed me to build up a wealth of experience in creating meaningful relationships with my clients, helping them throughout every stage of their lives.
Client Testimonials
D Omarova
Professional, trustworthy and personable - how I can describe David to anyone. I met David at a networking event for freelancers. I've been looking at investing in my financial future for a while, but as a freelancer, I was approaching the subject with caution. I spoke to many financial firms and advisers, but none of them had the same level of attention and safety that David had. After just a few discovery calls, I've signed up for his services and already have two accounts open (Pension and ISA). David walked me through every possible scenario of my financial future, and while I understand that risks are always high with investing, I feel adamant my finances are in good hands. David 'gets' your situation and offers appropriate advice, so don't postpone your financial freedom - speak to David! 🤌
D Mallen
David has supported our family finances for a number of years. During this time, he has always provided us with an astute and logical approach. He is able to think laterally which has helped us to work towards our financial goals. Extremely personable and trustworthy, Dave understands what is important to people. I would not hesitate to recommend him.
G Brogan
David has been excellent for myself and my wife. I was recommended David after a past bad experience and have been exceptionally happy with the advice and guidance David has offered, and all with a very personal, friendly and completely transparent approach. Everything has been performing very positively since day one. Couldn't recommend David enough!
S Garnett
David provided fantastic advice from start to finish helping us review our life insurance, income protection and critical illness policies. We managed to secure better cover for ourselves and saved money! Definitely would recommend you get in touch with David!
S Ireland
Outstanding knowledge and service. David I want to thank you so much for the invaluable advice you have given me, with me being made redundant and what options I had available to me for my pension, investments and job search. You have gone way above and beyond my expectations of the role of a Pension/Financial Advisor. Taking a genuine interest in my lifestyle, my plans for retirement and the provisions I could put in place to secure mine and my daughter’s future. Your empathetic manner, active listening, and tailoring of the products to my needs was outstanding. I look forward to continuing to build our relationship over the coming years.
I Samphier
The world of finance, insurance, pensions and investments feels a bit overwhelming to me so having David's help was amazing. David helped me with my pension, reviewing an old work place pension, providing clear advice before moving it to a better performing platform. David has helped me understand my finance overall and helped me set up for a better future. Would definitely recommend.