Wealth365 was born from a simple frustration: a Chartered Certified Accountant approaching retirement, staring at a spreadsheet, and thinking "there has to be a better way."
BSc MSc FCCA
Founder, Wealth365
Connect on LinkedInAfter decades working in finance as a Chartered Certified Accountant, I found myself approaching retirement and doing what most people in my position do — building ever more complex spreadsheets to try and answer a deceptively simple question: am I going to be alright?
State Pension rules, pension allowances, ISA strategies, inheritance tax, tax-efficient drawdown order — I understood all of it professionally. But pulling it together into a single, coherent picture of my own financial future? That was surprisingly difficult, even for someone with my background.
The professional planning tools I'd seen were expensive, locked behind adviser licences, or designed for US markets. The free tools were too simplistic. And the spreadsheets? They worked, but they were fragile, hard to maintain, and impossible to share with my wife.
That frustration became the spark for Wealth365. I combined my financial background with a growing curiosity in artificial intelligence and modern development tools. Using Replit's AI-assisted platform, I began building the planning software I wished existed — one that understood UK tax rules, pension regulations, and the real complexity of retirement planning.
What started as a personal project quickly grew into something bigger. If a qualified accountant found retirement planning this difficult, what chance did everyone else have? And if the tools I was building could help me, they could help others too.
Today, Wealth365 serves two audiences. For individuals, it's the professional-grade planning software that used to be reserved for those who could afford an adviser. For IFAs themselves — people like my father — it's a complete practice platform: planning software, client management, and lead generation in one place.
The mission hasn't changed from day one: make proper financial planning accessible to everyone in the UK, not just the wealthy few.
The UK retirement landscape is genuinely complex. State Pension rules, workplace auto-enrolment, ISA allowances, inheritance tax, pension lifetime allowance changes — navigating it all has traditionally required expensive professional advice.
We believe everyone deserves to understand their financial future, whether they work with an adviser or plan independently. Our tools give you the same calculations and projections that professionals use, presented in a way that makes sense.
For financial advisers, we offer the same powerful platform as a white-label solution with built-in practice management — helping advisers spend less time on admin and more time with clients.
UK 2026/27 tax rules, State Pension calculations, and pension allowances — built by an accountant, kept up to date.
Complex calculations, presented simply. No jargon, just clear insights about your financial future.
Your financial data stays yours. GDPR compliant, encrypted at rest, and never sold to third parties.
Not a US platform with UK tax bolted on — built from the ground up for UK residents
Full new State Pension calculations with NI qualifying years and triple-lock projections.
All values in GBP. No currency confusion or conversion issues.
Current tax bands, allowances, and reliefs updated for the latest tax year.
PPR relief, BTL CGT, SDLT considerations, and rental income tax.
Annual allowance, tapered allowance, carry forward, and lump sum allowance.
NRB, RNRB, taper relief, spouse exemption, and 7-year gifting rules.
Your financial data deserves the highest level of protection
Sensitive personal and financial fields are encrypted at rest using Fernet (AES-128-CBC) field-level encryption. Passwords are hashed with bcrypt. Sessions are secured with HTTPS-only cookies, HttpOnly flags, SameSite protection, and a 30-minute idle timeout.
Authenticated forms are protected against CSRF attacks. Tiered rate limiting guards against brute-force attempts. We maintain a 7-year audit trail for regulatory compliance. Payments are processed securely by Stripe — we never store card details.
Wealth365 is an educational tool designed to help you understand your finances and plan for retirement. We are not authorised by the Financial Conduct Authority (FCA) and do not provide regulated financial advice.
Our projections are based on assumptions you provide and should not be considered predictions of future performance. Past performance is not a reliable indicator of future results.
For personalised financial advice, we recommend consulting a qualified financial advisor who is authorised and regulated by the FCA.
Wealth365 is a trading style of Construct365 Limited, registered in England & Wales.
Company number: 09805408
Construct365 Limited is not authorised or regulated by the Financial Conduct Authority (FCA). Wealth365 provides illustrations and calculations only, not regulated financial advice.
contact@wealth365.co.uk
contact@wealth365.co.uk
contact@wealth365.co.uk
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