Daniel Cottam

Daniel Cottam is a Financial Planner with over 20 years of experience advising private clients, families and business owners across the UK. His approach is grounded in cash flow modelling, giving clients a clear, long-term picture of how their finances will behave.

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 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.

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.

Family wealth and protection

A significant part of Daniel's work involves helping families think through the longer arc of their wealth: planning for retirement, protecting wealth if something goes wrong, and passing it to the next generation efficiently. He works closely with clients on Lasting Powers of Attorney, family protection and intergenerational planning.

Business owners and directors

Daniel advises business owners and company directors who need their personal and business financial planning to work together, including pension contribution strategy, employee benefit structures and protection planning.

Credentials and background

Daniel is a qualified Financial Planner authorised to provide advice under Insight Financial Associates Limited (FCA 458421). With over two decades in practice, his focus has always been on building long-term relationships with clients and their families.