Advice and Guides to improve your finances

About us

Disillusioned investors

In this period of low inflation and low growth, we understand that people are worried that their portfolio of investments will not generate enough income to fund their retirement. =>Read More

Make better use of existing investments

Are you sitting on a collection of old pension policies that are languishing in dud or underperforming investment funds? Maybe you do not even know how they are performing? =>Read More

Where to invest?

You have the choice of a huge number of funds to choose from covering every type of investment but only a small percentage is worth considering. You want to invest in funds which have funds. => Read More

About The Wealth Improvement Programme™

So how does it work? Quite simply, funds are managed by the best fund managers in their sector. If purchased, funds are switched and however many times they are switched, there are no second initial charges. This is due to the advanced online system keeping costs down. These savings, passed on to you, can be as much as 96% lower than normal initial charges.

We will review your portfolio, at least quarterly, unless the economy deems it necessary to move your funds before a review is due.

Benefits of the Wealth Improvement Programme™

  • An advanced online financial management system
  • No fund switch charges
  • Impartial professional financial advice
  • Frequent financial reviews
  • All your investments held in one portfolio
  • Bespoke portfolio suited for your requirements


Call us for a free no-obligation consultation and let us help you plan for your financial future today.


Phillip Masters Independent Financial Advisers Limited was established over 25 years ago by Phillip Masters, Managing Director of the practice.

Always innovative, Phillip created the Wealth Improvement Programme™ in 2003 – an online fund management system which improves fund performance at a lower cost and with greater diversification of asset allocation.

At Phillip Masters Independent Financial Advisers Limited, we are able to hold funds and cash – it is your choice. This gives us an ethical trading stance and an advantage over many pension providers, as we do not have to keep money in funds, if cash is a better proposition.

We are not only about investing your pension money well. We can help with your ongoing investments, ISAs, Unit Trusts, Investment Trusts, Exchange Traded Funds, Stocks and Shares as well as any old PEPs. Our aim is to help you get the most from your hard-earned money by identifying your financial goals and providing you with the best solutions. As independent financial advisers, we have access to the whole of the financial market, so you can be assured we will find the right financial products for you.