Independent Financial Advice

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Financial advice and investment management must work hand in hand.

We stick to the following processes and principles when helping you to create a bespoke investment portfolio geared towards your lifestyle and financial goals.


Your investments should be established within the most tax-efficient vehicle possible to suit your personal circumstances.

We, therefore, take into account your existing investments and all the possible tax implications before proceeding with an investment strategy.

Asset allocation

We will recommend the correct combination of asset classes to meet your attitude towards investment risk. This process is known as asset allocation.

We use cutting edge independent asset allocation tools to achieve diversification. We then regularly rebalance your portfolio to ensure it remains in line with your attitude towards investment risk.

Discretionary service

For larger investments, we may offer a full discretionary service using one of our professional partners who are authorised to give this type of service.

Expertise and experience

Using the expertise built up through many years of experience together with the use of leading-edge technology, we will recommend the most suitable funds within each asset class that forms your investment portfolio.

Sustainable investing

Your investments can have a much deeper purpose than profit alone.

Ethical investing is a process of incorporating social, environmental and ethical values into your portfolio’s philosophy and approach.

We can help you to align your investment portfolio with your personal values; whether you want to invest in companies that work for social change or environmental sustainability, or simply avoid those whose principles don’t align with yours.

We support the Sustainable Development Goals

The United Nation’s Sustainable Development Goals provide a shared blueprint for peace and prosperity for people and the planet. When investing, these goals provide a framework for sustainability.

We will help you to avoid companies whose activities don’t adhere to the goals defined below. Instead, we will help you to invest in companies that have a dedication to making positive changes for the environment and society.

Readymoney Investments Limited - Service Standards

Service Overview RMI strives to provide you with a comprehensive specialist financial planning service that encompasses investment, pension, protection & financial estate and tax planning. You can select just our core services for “one off” advice or core and ongoing services to ensure the advice remains appropriate to your continuing needs and circumstances.
The Benefits to you
  • Your financial affairs will be managed pro-actively and professionally.
  • You will have access to our expertise and external specialists (such as Accountants, Solicitors and Stockbrokers) where required.
  • You will have face to face meetings with our advisers and, where appropriate, external specialists.
  • All your financial needs can be met by this bespoke service.
Our Core Services
  • Analysis of your current financial position and understanding your financial objectives.
  • Risk Profiling analysis to understand your attitude and tolerance of risk and your capacity for loss
  • Extensive research into existing investment & protection plans
  • Provision of a client report detailing our recommendations and most effective course of action for implementation.
  • Access to our external specialists where required.
  • Personal and pro-active management of your financial affairs
  • Advice on tax matters relating to pensions and investment.
  • Investment portfolio design.
Our Ongoing Services
  • A minimum of one invitation to review your investments per annum to include valuation update, re assessment of your attitude to risk and review of your investments against your objectives to ensure they remain suitable for your needs.
  • Pro-active contact in the event of legislative or tax changes and appropriate planning thereafter.
  • Portfolio valuations at any time
  • Unlimited face to face, telephone and email access to an adviser

Costs of Our Services & Examples

Core Services Investment/Pension Advice (Lump Sums & Transfers)
Our fee starts from 0.75% of investable assets, subject to a minimum fee of £1,840.  There are no initial fees on subsequent lump sum contributions to Existing Plans.
Example Investment
Example Charge
Standalone Regular Premiums (RP) Plans
Our fee is 1% of each regular contribution.
Example RP
£250 per month
£500 per month
Example Charge
£2.50 per month
£5.00 per month
1.5% of Purchase Price (subject to a minimum of £920)
Example Net Fund
Example Charge
Ongoing Services General Ongoing Advice & Reviews
Our ongoing fee is typically 0.75% to 1% pa of funds under management
Example Investment
Example Charge (based on 0.75%)
Specialist Product Advice & Reviews
Certain specialist products e.g. smoothed investment products, Enterprise Investment Schemes (EIS) and Venture Capital Trusts (VCT) will be chargeable at a rate of 0.5% pa.
Example Investment
Example Charge
Protection We will be remunerated for protection advice via a commission derived from the product provider. You will receive a Client Specific Illustration which will detail any other fees relating to your particular insurance policy.
Financial Review & Report Only Our fee is £690 to provide a Financial Review and Report only, which includes details of existing pensions, investments and protection plans with options. However, this does not include implementation. This fee will be waived wholly or in part should you proceed with any of our recommendations. However, should you decide not to implement any of our recommendations, payment must be made within 28 days on receipt of invoice.

What our clients say

I was recommended Paul and Bryony as financial advisers by a friend. My husband and I were particularly interested to think about where to invest our savings. They have helped us to think about what level of risk we are prepared to engage with and explained the different possibilities very clearly and thoroughly, enabling us to maximise the potential of our investments. They also provide regular updates. We have been very pleased with their service and have already recommended them to others.

Dr C Oliver


I have been a client of RMI since their foundation. Prior to that, I dealt with the directors for my own personal pension and our business pensions. This relationship as existed for the last 25 years. During this time, I have received first-class support and advice. I have always been kept informed on financial trends and opportunities. To this end I was able to plan retirement early if I wished. More importantly, I was able to choose the right opportunity as when to retire. Since retiring, I continue to receive the highest service and advice on fund management.

Mr. M Moore

Ex General Manager


We have dealt with Paul and his staff for over 20 years and have received a first-class service that is completely to our entire satisfaction. We would have no hesitation in recommending the company to anyone who is seeking financial advice.

Mr J Channing

Ex Non-Executive Director, Earl Shilton Building Society


It’s a great comfort to have Paul Eason and his team on call if I have any queries or concerns about my finances.

Ms M Topham


Paul Eason and Bryony Evans have competently managed our investments for the past twelve years. Their service has been managed diligently; they have provided consistency of advice for positive results. This has given us satisfaction and confidence in their ability to handle our personal affairs. Their research and advice are in-depth, concise and clear. They have demonstrated a thoroughness in all aspects of our personal financial planning.

Mr & Mrs S Price


Following a personal recommendation from a colleague some two years ago, Bryony and Paul provided advice to my wife and myself on planning for my forthcoming retirement. Latterly they have helped another family member on how best to invest a lump sum inheritance. On both occasions, they have guided us through the various options available, indicating the pros and cons in an easily understandable way. They continue to provide regular updates on how the investment is performing. We have always found them to be attentive, knowledgeable and a pleasure to deal with. We would have no hesitation in recommending them to a friend seeking an adviser.

Mr & Mrs P Teasdale


When you are investing, you need confidence to make decisive commitments. Paul Eason and Bryony Evans at RMI are true professionals that you can trust implicitly for commercial and personal advice and transactions.

Mr D Matthews

Chairman, Cellular Mouldings Ltd


RMI not only deal with all our company's employee benefits schemes, but also provide invaluable support for us on a personal level. Nothing is too much trouble and we have found their service to be effective, efficient and friendly. We would recommend RMI to any company or private individual looking for a comprehensive and personal service.

Mr & Mrs I Bates

Ex Directors of The Bright Consultancy Ltd


Paul and Bryony have advised us for over ten years. They bring strong market knowledge and analysis to provide balanced views for investment decision making. This is then backed up by thorough administration - all delivered in a professional and easy-going manner.

Mr & Mrs I Morton

Concept Shape Ltd


RMI Independent Financial Advisers have been assisting our clients with knowledge and insight into the world of pensions and protection for over 10 years. They have helped many of our company and personal clients navigate their options and meet the legislative duties around pensions and auto-enrolment in the most efficient way, whilst giving them the confidence to plan effectively for their future. We have no hesitation whatsoever in recommending their services to not only our clients, but to other professional connections.

Sunflower Accounts Ltd



Paul has been a trusted adviser to our business for over 20 years and he and Bryony continue to support us with our company pension scheme whilst providing first class financial advice. We would highly recommend RMI for anyone seeking a quality financial advisory service.

Mr J Turner

Managing Director, LINAK UK Ltd


I was looking at my potential retirement options and RMI were able to come up with a bespoke pension solution that enabled me to retire earlier than I had expected.

B Kilfeather

Not knowing how to plan for the future, I required advise about pensions and insurance policies and Paul has helped by being constantly available, calm and pragmatic.

Dr R Singh


Paul was recommended to me by one of his clients and I was looking for a financial adviser who could help with a pension scheme for my employees and also for my personal plan.

Paul helped all the members of my team. He had time and patience and everyone individually with their various circumstances. He was also very helpful with my personal pension during the time I have my business. My personal circumstances have now changed and Paul’s advice has been invaluable.

D Harrison

Business Owner

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