Financial Advice for
Life’s Turning Points.
Expert guidance every
step of the way.
Life doesn’t stand still and neither do your finances. Whether you are planning for retirement, protecting your family’s future, or maximising your wealth, we provide expert guidance tailored to your personal circumstances. As independent advisers, your best interests come first.
Start with a complimentary consultation
Services
How We Help You Plan with Confidence
We take the time to understand what matters most to you, offering financial planning that is personal, independent and designed with your best interests at heart.
Retirement Planning
Can you afford to retire comfortably? We analyse your pension provisions, savings, and future needs to create a clear roadmap for your retirement years, giving you confidence in your financial security.
Investment Planning
Make your money work harder with expert investment strategies tailored to your risk tolerance and goals. We help you build and manage a diversified portfolio designed to grow your wealth.
Estate Planning
Protect your legacy and minimise inheritance tax with strategic estate planning. We help ensure your wealth passes to your loved ones efficiently, reducing unnecessary tax burdens.
Cashflow Planning
Visualise your financial future with detailed cashflow modelling that shows the long-term impact of financial decisions. This powerful tool helps you understand how your plans will unfold.
Family Protection
Review your family’s financial security if the unexpected happens. We assess your protection needs and recommend appropriate life insurance and income protection to safeguard your family.
Business Planning
Protect your business interests and plan for succession with tailored advice for business owners. We help guide your company’s future while planning for the unforeseen.
Our financial advice is delivered through our holistic approach, starting with a complimentary consultation to understand your unique situation and objectives.
Why Choose Us
Why Choose Stepwoods
Independent financial advisers committed to putting your best interests first
FCA Authorised & Regulated
Stepwoods Financial Planning is authorised and regulated by the Financial Conduct Authority (1032748). Our advisers are fully qualified in financial planning and bring experience, expertise, and dedication to helping clients achieve their financial goals with confidence.
Truly Independent
We are not tied to any financial institutions, products, or services. This means we can explore the whole of market to find solutions that are right for you, not what is profitable for us. Your interests come first.
Every Client is Our
Only Client
We treat every client as our only client. You’ll receive dedicated, personal attention with a service built around your unique circumstances. We’re your safe pair of hands: reachable, reliable, and respectful in every interaction.
Local Expertise, Personal Service
Proudly serving in Hertfordshire, London and Essex. We provide a personal and tailored service, offering face to face meetings and building long term relationships based on trust, integrity and reliability.
Transparent &
Jargon-Free
We believe financial advice should be clear, honest and easy to understand. Our advice is designed to empower, not confuse, so you always know exactly where you stand and can make confident decisions about your future
Our Process
Your Journey to Financial Confidence
Every step is focused on giving you clarity, reassurance, and a service that is personal to you.
Step 1 – Complimentary Initial Consultation
Understanding you comes first.
We begin by carefully understanding your goals, situation, and concerns, creating the foundation for tailored advice around your plans.
& Presentation
Your personalised financial roadmap.
Our experts create a personalised plan with comprehensive advice and cashflow modelling, followed by a detailed presentation meeting.
Service
We handle the heavy lifting.
We handle all paperwork and setup with precision, reducing administration as we work with financial institutions on your behalf.
& Support
Keeping your plan on track.
Annual reviews and ongoing guidance keep your plan updated as your needs change, maximising your financial security and growth.
Ready to start your journey?
Book your complimentary meeting today to see how our approach can help shape your financial future.
Start with a complimentary consultation
Our Team
Meet Your Advisers
Your financial future is in expert hands. Get to know the qualified professionals dedicated to your success.
Daniel Bowen FPFS
Co-Founder & Chartered Financial Planner
Daniel is a Chartered Financial Planner and Fellow of the Personal Finance Society (FPFS), seen as one of the most prestigious recognitions in the profession. He delivers thoughtful, forward-looking financial advice that cuts through complexity. With a clear, strategic approach, he helps you make confident decisions aligned with your life, values, and ambitions.
Megan Johns DipPFS
Co-Founder & Financial Planner
Megan is a Financial Planner and Co-Founder, dedicated to building lasting client relationships through a collaborative and client-focused approach. Passionate about helping clients feel confident and empowered as they navigate important financial decisions, she offers holistic, jargon-free advice that brings clarity, confidence, and long-term success, always focused on what matters most to you.
Our Extended Team
While Daniel and Megan lead your financial planning journey, they’re supported by a dedicated outsourced compliance team. This ensures that every piece of advice meets the highest regulatory standards, while allowing our advisers to focus entirely on what matters most: you and your financial future.
Importantly, we remain fully responsible for all regulatory obligations and maintain close oversight of all outsourced activities. This approach allows us to concentrate on delivering exceptional service and advice, confident that a team of compliance specialists is supporting us behind the scenes.
Frequently asked questions