Kyle Penn

Welcome — and thank you for visiting. You can also find me on Instagram and TikTok @wealthtransferspecialist, where I share short, jargon-free insights on retirement, inheritance, and using your wealth well. I’m an independent financial adviser working closely with individuals and couples aged 55–75 often with £1m+ in property, pensions, and investments who want to make smart decisions for the years ahead. At this stage, it’s not about chasing returns. It’s about clarity, peace of mind, and knowing your money is doing what you want it to. I help people: - Understand what they can afford to do — and when - Align their pensions, ISAs, and assets into one joined-up strategy - Plan responsibly for inheritance, gifting, and future care - Make confident decisions that protect both lifestyle and legacy What to Expect Our first meeting is relaxed — no pressure, no jargon. We’ll get clear on your current position, your priorities, and your vision for the future. I’ll then request information from your existing providers and build a personalised forecast using cash flow modelling, showing exactly where you’re headed and what’s possible. When the research is complete, we’ll meet again to walk through everything together. You’ll leave with clarity, not confusion. No fees until you see value. I cover the upfront work. You only pay if you choose to move forward. About Me After years in a corporate advice model, I now work independently with fewer clients — so I can give each one the time and care they deserve. I believe in: Evidence-based investment planning Lower, better-value fees Plain-English conversations Helping you live fully, give wisely, and leave the right legacy Backed by Harvest Associates Harvest has provided independent, whole-of-market advice since 2003. Their team handles compliance and admin so I can focus fully on planning and client relationships. Whether we meet at your home or over a coffee in the office, the goal stays the same: To simplify the complex, protect what matters, and give you confidence in every decision. Call me directly on 07519 088561 or follow me @wealthtransferspecialist to get a feel for how I work.