Daniel Cottam is a Financial Planner and pension specialist with over 20 years of experience advising private clients, families and business owners across the UK. He holds the Financial Planner designation from the Chartered Insurance Institute.
Financial planning across the lifetime
Daniel works with clients at every stage of the financial journey, from building and growing their wealth in earlier life, through the transition into retirement, and on to protecting and passing wealth to the next generation. His approach is grounded in cash flow modelling, giving clients a clear, long-term picture of how their finances will behave and what that means for the decisions they face today.
He helps clients understand whether they are on track, what their options are, and how their financial plan needs to evolve as their circumstances change. His work spans investment planning, pension strategy, tax-efficient saving, family protection and estate planning, bringing all the moving parts of a client's financial life into a coherent, manageable plan.
Family wealth and protection
A significant part of Daniel's work involves helping families think through the longer arc of their wealth. That means planning for retirement, but it also means thinking about how wealth is protected if something goes wrong, how it is structured as it grows, and how it passes to the next generation in the most efficient way. He works closely with clients on Lasting Powers of Attorney, family protection, and intergenerational planning, areas where clear, personal advice makes a material difference to the outcomes families achieve.
Business owners and directors
Daniel advises business owners and company directors who need their personal and business financial planning to work together. That includes pension contribution strategy, employee benefit structures, protection planning and the broader financial decisions that arise as a business grows and ultimately changes hands.
Credentials and background
With over two decades in practice, Daniel has advised clients through market cycles, pension legislation changes and the evolving complexity of family financial planning. His focus has always been on building long-term relationships with clients and their families, providing advice that adapts as their lives change.
Daniel's writing on financial planning
- Cash flow planning: understanding your financial future
- Active vs passive investing: what is right for you?
- Lasting Power of Attorney: why it matters and how to set one up
- Divorce and your financial plan
- How to prepare for retirement
- Family wealth transfer planning for 2027
- End of tax year planning checklist
- Why your pension needs regular reviews