Bespoke Wealth Management Beyond Packaged Conformity
The name "Off-Piste" embodies our conviction: rigid, mass-market, "on-piste" financial products fail complex individual realities. True wealth requires pioneering, tailor-made architecture.
David Gregory
Director & Lead Independent Financial Adviser (DipPFS)
David is the founder and director of Off Piste Wealth Ltd. Holding the regulated Diploma in Regulated Financial Planning (DipPFS), David is an active member of both the Personal Finance Society (PFS) and the Chartered Insurance Institute (CII).
Over more than a decade of whole-of-market advisory practice, David has specialized in constructing resilient balance sheets for high-earning corporate executives, technology entrepreneurs, business directors, and elite sports professionals.
"True wealth planning is not about chasing speculative quarterly market fads. It is about understanding personal psychology, stress-testing lifetime cash flows, eliminating avoidable tax friction, and giving our clients the freedom to focus on what matters most."
— David Gregory, DipPFSCore Professional Standards
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✓FCA Authorized (FRN 955277): Fully compliant with strict Financial Conduct Authority Consumer Duty regulations.
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✓Unrestricted Whole-of-Market: Complete autonomy to select any fund, tax wrapper, or platform in the UK marketplace.
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✓Plain-English Communication: Zero opaque industry jargon. Transparent visual modeling that clearly explains every recommendation.
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✓Long-Term Partnership: Ongoing proactive governance, not a one-off transactional sales interaction.
Our Four-Stage Wealth Architecture Framework
A systematic, repeatable process engineered to turn complex financial situations into clear, predictable life outcomes.
Discovery & Audit
Comprehensive cataloging of your total balance sheet: legacy pension schemes, investment accounts, business holdings, tax wrappers, property equity, liabilities, and lifestyle aspirations.
Cash Flow Modeling
Advanced stochastic simulation mapping your net worth and cash flows year-by-year to age 100. Stress-testing against inflation spikes, sequence-of-returns risks, and early retirement.
Strategy Blueprint
Tailored implementation plan: evidence-based portfolio allocation, pension salary sacrifice, ISA allowances, VCT tax credits, trust structuring, and high-earner tapering mitigation.
Ongoing Governance
Quarterly rebalancing, annual tax allowance harvesting, proactive adjustments for statutory UK Budget changes (such as Autumn Statement reforms), and unlimited direct adviser access.
Independent vs Restricted Advice: Your Choices
Understanding the fundamental difference between unrestricted fiduciary independence and restricted corporate distribution.
| Feature / Standard | Off-Piste Wealth (Independent IFA) | Restricted Advisers (Banks / Networks) |
|---|---|---|
| Product & Fund Selection | Whole of Market (Unrestricted across all UK & global providers) | Restricted Panel (Limited to internal funds or partnered commercial providers) |
| Fiduciary Alignment | Solely to the Client (Legally obligated to act in your best interest) | Dual loyalty between client and parent banking/insurance institution |
| Investment Philosophy | Evidence-based empirical factor tilting & low-cost global index tracking | High-fee proprietary active funds with corporate sales quotas |
| Fee Transparency | Clear, agreed fixed or tiered percentages. Zero hidden commissions. | Often bundled within high ongoing fund charges and exit levies |
| Specialist Tax Strategies | Holistic (Pensions, ISAs, VCTs, SPVs, Family Trusts, BPR, IHT) | Typically restricted to basic ISA and SIPP product sales |
Clear, Transparent Advisory Fees
No hidden exit penalties. No undisclosed commission kickbacks. Every pound is accounted for and agreed in advance.
Initial Discovery Meeting
Completely without obligation
A comprehensive 30-minute review to evaluate your goals, discuss our services, and determine mutual fit.
Implementation & Blueprint
Agreed fixed fee or tier
Covers complete pension consolidation, lifetime cash flow modeling, tax architecture, and portfolio execution.
Ongoing Wealth Governance
Per annum, tiered by scale
Quarterly rebalancing, annual tax return coordination, legislative adaptation, and continuous adviser access.
Partner with an Award-Winning Practice
Contact David Gregory directly to explore how true fiduciary advice can optimize your balance sheet.