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FCA Authorised · Fee-Only · Northern Ireland

Keep more of what you earn. Pass on what you build.

Wealth, tax, and retirement counsel for Northern Ireland's high earners, family businesses, and pre-retirees.

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30 min · No obligation · FCA authorised

How we work
CFAFCA AuthorisedFee-Only

Principal adviser

Marcus Vance, CFA

£35M+

AUM

£35M+

Assets under management

14+

Years of fiduciary counsel

45+

Northern Ireland clients advised

Authorised and aligned with your interests

Press mentions available on request

Who We Serve

Built for Northern Ireland's earners, owners, and pre-retirees.

Northern Ireland clients want a relationship, not a portal. Whether you're in Belfast, Derry, or running a family firm in Lisburn — we start with your situation, not a product list.

Corporate & Tech High Earners

Exit corporate life on your own terms

Corporate directors, senior engineers, and partners at firms across Northern Ireland are earning well — but high UK income tax, complex pensions, and RSU schedules leave little time to build passive wealth.

  • Getting hit by higher-rate and additional-rate UK income tax brackets
  • Managing corporate pension schemes, RSUs, and share options efficiently
  • Bridging the gap to early retirement before state or corporate pensions kick in

Representative savings of £950K+ identified through allowance and pension structuring

Relevant service: Personal Wealth & Tax Planning

How We Work

Personal counsel backed by sharp financial modelling.

Discovery & Alignment

30-minute face-to-face assessment

We sit down with you — in person or by video — to review your income, pensions, business structure, or retirement timeline. You leave with a clear picture of where the gaps are.

Wealth & Tax Modelling

Your written roadmap

A prioritised plan covering tax mitigation, succession structure, pension consolidation, or retirement modelling — delivered in your Blueprint review session.

Ongoing Fiduciary Governance

Continuous fiduciary care

Active management, quarterly reviews, and proactive coordination with your accountant and solicitor — so nothing falls through the cracks.

Book your complimentary Wealth Audit

Core Advisory Areas

Three areas of counsel for the Northern Ireland market.

From tax-efficient wealth building to SME succession and pre-retirement clarity — every engagement starts with your income, business structure, or pension position.

01

Corporate & tech high earners

Personal Wealth & Tax Planning

Tax mitigation, allowance maximisation, and passive wealth building for Northern Ireland's corporate directors, senior engineers, and professional partners — so you can exit corporate life on your own terms.

  • Income tax mitigation across higher-rate and additional-rate brackets
  • Corporate pension and RSU/share option structuring and timing
  • Early retirement and bridging strategies before state or corporate pensions
  • Bespoke asset allocation and portfolio rebalancing on a defined cadence
BlueprintOngoing
Include in my consultationSee pricing
02

Family business owners & SMEs

Business & Succession Planning

Protecting business assets, lowering corporate tax exposure, and securing multi-generational family wealth — including coordination for business owners trading across the UK–Ireland border.

  • Succession planning and IHT-efficient business transfer structures
  • Director pension contributions and profit extraction strategies
  • Key-person and business protection cover review
  • Cross-border UK & Republic of Ireland tax coordination for qualifying trade
BlueprintOngoing
Include in my consultationSee pricing
03

Pre-retirement clients

Retirement & Inheritance Planning

Clarity and peace of mind for clients aged 55–70 — mapping exactly when you can retire, consolidating legacy pensions, and passing hard-earned wealth to the next generation safely.

  • Retirement number modelling and cash-flow projections
  • Pension drawdown, annuity, and tax-free lump sum planning
  • Local property equity and multi-pension consolidation
  • IHT-efficient gifting, trust, and beneficiary structuring
BlueprintOngoing
Include in my consultationSee pricing
Book your complimentary Wealth Audit

Quantifiable Results

Performance backed by verifiable outcomes.

Representative Northern Ireland clients have identified £950K+ in structural tax efficiencies — before a single position is moved.

£950K+

Representative tax efficiencies across client archetypes

Tech High Earner

£185K annual income reviewed

£92K lifetime tax efficiency identified

Projected lifetime tax on RSU and pension income

Before42%
After28%

Family Business Owner

£2.8M business value at succession

£730K estimated IHT liability reduced

Estimated IHT exposure on business succession

Before40%
After18%

Pre-Retiree

£1.2M combined pensions and property

£180K lifetime tax and IHT efficiency identified

Retirement number confirmed with IHT plan in place

Before35%
After14%

Case studies are anonymized composites for illustrative purposes only. Individual results vary based on circumstances, tax law, and implementation. Past performance does not guarantee future outcomes. Vance Capital Advisory is an FCA-authorised wealth adviser.

Book your complimentary Wealth Audit

Client Voice

Trusted across Northern Ireland — professionals, family businesses, and pre-retirees.

Representative scenarios from high earners, family business owners, and pre-retirees across Northern Ireland.

Representative scenario

Corporate & Tech High Earners

“Marcus helped me structure my RSUs and maximise my pension and RSU allowances without me spending weekends in spreadsheets. For the first time, I have a clear path to stepping back from corporate life before 55.”

£1.1M lifetime tax exposure reduced

Sarah K.

Senior Director, Northern Ireland professional services

Testimonials are anonymized representative scenarios for illustrative purposes only. Names and details have been modified. Individual results vary based on circumstances, tax law, and implementation. Past performance does not guarantee future outcomes. Testimonials may not be representative of all clients. Vance Capital Advisory is an FCA-authorised wealth adviser.

Local Briefing

The 2026 Northern Ireland Wealth & Tax Planning Guide

Succession planning, pension drawdown, director profit extraction, and cross-border tax basics for Northern Ireland decision-makers — written for business owners and professionals, not generalists.

Information

Frequently Asked Questions

Clear answers to standard wealth advisory and fiduciary questions.

A fiduciary is legally and ethically bound to act solely in your best interest. Unlike traditional brokers who earn commissions on products they sell, we operate under a strict fee-only structure. We never accept kickbacks, referral fees, or commissions, removing conflicts of interest.

Yes. For Ongoing Wealth Management, we generally maintain a minimum of £400k in investable assets. However, our one-time Wealth Blueprint package is available to high-income professionals, SME owners, and pre-retirees who are currently below this threshold but need structured planning for tax, succession, or retirement.

Robo-advisors offer standardised, algorithm-driven index portfolios but cannot model director profit extraction, succession planning, pension drawdown, or cross-border UK & Republic of Ireland tax strategies. High-street banks often push proprietary, commission-yielding products. Vance Capital offers the best of both: highly bespoke human expertise with modern, tech-enabled financial modelling.

The initial audit is a 30-minute discovery session where we review your income, pensions, business structure, or retirement timeline. We identify obvious tax inefficiencies, succession gaps, or pension inefficiencies and propose a path forward. There is no cost or obligation.

We are based in Belfast and serve clients across Northern Ireland — from Derry and Coleraine to Newry and Bangor — with in-person meetings in Belfast and secure video for those further afield.

For qualifying business owners, yes — we coordinate UK and Republic of Ireland tax considerations alongside your accountant. This is not generic retail advice.

The Wealth Audit is a no-obligation discovery session. The Blueprint is a paid one-off roadmap delivered in a 90-minute review. Ongoing management is for clients who want us to implement and monitor the plan over time.

Start with a conversation

Ready to take control of your financial future?

Schedule a complimentary Wealth Audit — a personal discovery session to explore tax inefficiencies, pension gaps, succession risk, or retirement clarity.

  • 30-Minute Face-to-Face Review

    A personal discovery session directly with Marcus Vance, CFA — in person or by video.

  • Tax & Structure Discovery

    We look for potential tax exposure savings of £4,000+ across income, corporate, and estate planning.

  • Clear Action Plan

    No-obligation roadmap covering wealth, business structure, retirement, and estate planning.

Ongoing management requires £400k+ investable assets. The Wealth Blueprint is available at all levels.

Your details are handled securely and used only to arrange your consultation.

Transparent Pricing

Simple fee structures. Aligned with your interests.

No hidden fees, no commission kickbacks, no conflicts of interest. Start with the Blueprint — fee credit applies toward Ongoing if you upgrade within 12 months.

The Wealth Blueprint

£2,000 · One-Time Fee

A standalone planning engagement. Ideal for high earners, SME owners, or pre-retirees seeking clarity without ongoing management.

  • Tailored to your profile — pension review, succession map, or retirement model
  • Pension, RSU, or director profit extraction review
  • Succession, retirement, or estate foundation blueprint
  • Fiduciary alignment (100% commission-free)
  • Full delivery via a 90-minute roadmap review with Marcus Vance, CFA
Discuss at your consultation

Recommended

Ongoing Wealth Management

0.75% · Scaled Annual AUM Fee

Ongoing stewardship of your investments and financial plan. Designed for high earners, business owners, and pre-retirees requiring active fiduciary support.

  • All Wealth Blueprint deliverables included
  • Active portfolio tracking, rebalancing, and pension monitoring
  • Continuous tax-loss harvesting and corporate structure advice
  • Direct line to Marcus Vance, CFA
  • Collaborative accountant and solicitor alignment
  • Quarterly performance reporting and outlooks
Discuss at your consultation

Fiduciary Performance Guarantee

If you initiate a Wealth Blueprint and we have not identified at least £4,000 in structural tax optimisations or portfolio improvements within 30 days, we refund your fee in full.

Book your complimentary Wealth Audit