Helping People Live The Life They Want

Focussed on your true prosperity

Advice is delivered in association with Hoxton Wealth, a global wealth management firm offering a sophisticated regulatory framework and institutional-grade infrastructure across multiple jurisdictions.

This enables me to provide seamless, cross-border financial planning for internationally mobile clients, supported by robust governance and administrative capability.

The applicable regulatory entity and permissions will depend on your country of residence, and advice will only be provided where the necessary authorisations are held.

Financial planning that brings structure, direction and confidence to your wealth.

Modern life is busy, responsibilities compete, and financial decisions can easily become fragmented. This service is built to bring everything together. Your goals, your assets, your plans. Into a strategy that feels coherent, measured and built to last.

Effective planning starts with understanding what you want your wealth to achieve. From there, the focus is on creating a framework that simplifies decision-making, anticipates the future and removes unnecessary uncertainty.

financial planning for wealthy retired couples

Who This Service Supports

Professionals, business owners, families and individuals with meaningful assets often face overlapping decisions around tax, pensions, investing and long-term planning. Even without crossing borders, the rules can be complicated and the implications long-lasting.

Where lives do involve more than one jurisdiction, advice is structured to ensure everything works smoothly together but this is one part of the work, not the headline.

The goal is simple: to make your financial life feel aligned, organised and confidently managed.

How the Planning Helps

You can expect:

A clear, structured financial plan centred on your priorities
Evidence-driven investment strategies built for resilience
Thoughtful guidance on tax, pensions, trusts and long-term decisions
A disciplined approach that reduces complexity and avoids costly mistakes
Ongoing support that adapts as your life evolves

What Clients Experience

Clients often describe the process as:

Grounding

providing structure where things feel scattered

Reassuring

knowing the details are handled with precision

Simplifying

turning complex decisions into clear, confident choices

Forward-looking

shaping a plan that evolves with their life

Planning is always centred on what matters most to you, your family, your future and the life you want your wealth to support.

Am I right for you?

Find out if we’re a good match for your needs.

Book a discovery call

My Fiduciary Commitment

A fiduciary standard means advice is provided solely in the client’s best interests. Compensation comes only from clients, removing conflicts of interest and ensuring recommendations are always aligned with what benefits them most. As a professional entrusted with financial planning and advice, a fiduciary is required to:

Act with undivided loyalty to you
Put the client’s best interests first
Disclose any conflict of interest, whether potential or actual
Be transparent about how compensation is received
Ensure all advice is accurate, thorough, and grounded in the client’s needs

What This Means for You

Whether you’re building wealth, preparing for retirement, planning for family, structuring your assets, or simply wanting a more organised financial life, you gain a framework that ensures everything works together with purpose and precision.

The result is confidence not from guesswork, but from a plan designed around your life and built to stand the test of time.

Who is Jessica Cook?Jess Cook2026-05-10T09:44:45+00:00

Who is Jessica Cook?

Jessica Cook is a Chartered Member of the Chartered Institute for Securities & Investment (Chartered MCSI), specialising in international financial planning and cross-border wealth management. She is a financial planner with Hoxton Wealth (UK) Ltd, trading as Hoxton Wealth (FCA Firm Reference Number 586130, authorised and regulated by the Financial Conduct Authority), and holds Individual Reference Number JXC15432 on the FCA Register. She regularly writes on personal finance for The Times and is a multi-year Top-Rated Adviser on VouchedFor. Her qualifications include LLB (Hons), DipFA, AF5, AF7, AF8, J05, R01, R04, R06.

What kind of clients do you work with?Jess Cook2025-10-03T09:36:03+00:00

What kind of clients do you work with?

I work with UK residents and internationally mobile professionals, entrepreneurs, and families who need expert guidance on structuring, protecting, and growing wealth across borders.

What services do you provide?Jess Cook2025-10-03T09:36:35+00:00

What services do you provide?

I advise on investment management, cross-border planning, inheritance and estate structuring, and the use of tax-efficient vehicles.

Why work with Jessica?Jess Cook2026-01-06T09:22:45+00:00

Why work with Jessica?

I am a Chartered Member of the CISI specialising in international financial planning and cross-border wealth management. I work with UK residents and internationally mobile professionals and families, helping them navigate tax, pensions, and investments. My approach is evidence-based and fee-based, focused on long-term decision-making rather than short-term market noise. I place a strong emphasis on clear thinking and communication, both in my work with clients and through my writing for national publications. My work has also been recognised through consistent client feedback, including multi-year Top-Rated Adviser recognition on VouchedFor.

Is Jessica Cook FCA registered?Jess Cook2026-05-10T09:47:51+00:00

Is Jessica Cook FCA registered?

Yes. Jessica’s individual FCA registration is JXC15432. You can verify her authorisation directly on the FCA Financial Services Register at https://register.fca.org.uk. She advises through Hoxton Wealth (UK) Ltd, trading as Hoxton Wealth (FCA FRN 586130), which is authorised and regulated by the Financial Conduct Authority.

What are Jessica Cook’s qualifications?Jess Cook2026-05-10T09:48:27+00:00

What are Jessica Cook’s qualifications?

Jessica holds an LLB (Hons), is a Chartered Member of the Chartered Institute for Securities & Investment (Chartered MCSI), and holds the DipFA, AF5, AF7, AF8, J05, R01, R04 and R06 qualifications. AF5, AF7 and AF8 are at Ofqual Level 6. Each can be independently verified through the issuing body — CISI for the Chartered designation, the LIBF for DipFA, and the CII for AF and R papers.

Jessica Cook Chartered MCSI
Financial Planner for UK Residents and Specialist in Cross-Border Wealth for International Professionals & Globally Mobile Families

Meet Jessica Cook

Financial planning begins with your life, not your money. I help international professionals and families design their wealth with purpose, so they can enjoy today while protecting tomorrow.

I’m Jessica Cook, Chartered MCSI, featured in the Times Guide to the UK’s Top-Rated Financial Advisers. I specialise in international financial planning, cross-border wealth management, and tax-efficient strategies for UK residents, expatriates and globally mobile families.

With a background in law, a former career at the Financial Times, and as a regular financial columnist, I help clients organise, protect, and grow their wealth with confidence.

Reviews and Ratings for Financial adviser Jessica Cook, London

Chartered Status & Academic Background

Academic

LLB (Hons), Bournemouth University: Law degree completed at 2:1 (2000 to 2004). Provides the legal foundation underpinning trust law, contract law, succession and estate planning, all of which overlap heavily with senior financial planning work.

Chartered status

Chartered MCSI: Chartered Member of the Chartered Institute for Securities & Investment, in Wealth Management. The senior Chartered designation in this profession, awarded by a Royal Chartered body. Signals one the highest professional standing in UK wealth management.

Advanced Financial Planning Qualifications (CII)

Statutory gateway qualification (Level 4)

DipFA: Level 4 Diploma for Financial Advisers, awarded by the London Institute of Banking & Finance. Satisfies the FCA’s minimum requirement to give regulated financial advice in the UK and is the gateway qualification through which Jessica progressed to Chartered MCSI.

Advanced units (Ofqual Level 6, Chartered Insurance Institute)

AF5 – Advanced Financial Planning Process: The applied-planning examination at the highest level of the CII Advanced Diploma. Tests the ability to construct a full, integrated, written financial plan for a real client scenario.
AF7 – Pension Transfer Specialist: Demonstrating advanced technical knowledge of defined benefit and safeguarded benefit transfers, including APTA, TVC and CETV analysis. Applies this expertise within FCA rules and works alongside authorised Pension Transfer Specialists where required.
AF8 – Retirement Income Options: Covers the technical and behavioural complexity of decumulation, drawdown design and sustainable retirement income, including sequence-of-returns risk and longevity planning.

Diploma-level units (Chartered Insurance Institute)

R01 – Financial Services, Regulation and Ethics: The regulatory and ethical foundation underpinning all UK advice. Covers the FCA Handbook, Conduct Rules and ethical decision-making in practice.
R04 – Pensions and Retirement Planning: Foundational pensions knowledge spanning defined benefit, defined contribution, SIPPs, SSAS and retirement income strategies.
R06 – Financial Planning Practice: The applied case-study unit that integrates the rest of the Diploma into structured client-facing practice.

Specialist J-series unit (Chartered Insurance Institute)

J05 – Pension Income Options: Specialist study in retirement income strategies and product structures, complementing AF8 with deeper coverage at the J-series level.

FCA Registration & Professional Standing

FCA registration: Individual reference JXC15432, live on the Financial Conduct Authority Register. The publicly verifiable credential demonstrating current authorisation to give regulated financial advice in the UK.
Statement of Professional Standing: Annual confirmation that the adviser meets ongoing CPD requirements and ethical standards required under the FCA’s Retail Distribution Review rules. View Official CII Certificate
VouchedFor Top UK Advisers, 2026 Certificate of Excellence: Independent peer-reviewed recognition based on verified client reviews, audited by a third party. Inclusion is a recognised industry quality marker.

Jessica Cook LLB (Hons) Chartered MCSI, DipFA, AF5, AF7, AF8, J05, R01, R04, R06. FCA ref JXC15432. SPS 2025. VouchedFor Top UK Advisers 2026.

Independently verified on: FCA Register | CISI Directory | CII Directory

Every great plan starts with a conversation.

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Testimonials

I feel I have received the best advise I could have had and feel that my pension is now much better off than it was before I started to work with Jessica.

From the start she gave open, honest and good advice. She answered all my questions clearly and helped me understand my options

Jessica was great, she provide guidance and advice in a way that was easy to understand. She is always available to answer my questions, offer advice and help solve any issues.

Jessica provided excellent impartial sound financial advice that we have been following to great effect for the past 5-years.

Common questions:

Is Jessica Cook FCA regulated?

Yes. I am authorised and regulated by the Financial Conduct Authority. My individual reference number is JXC15432, verifiable on the FCA's Financial Services Register. I operate within the UK domestic practice of Hoxton Wealth UK, FRN 586130 FCA Firm Reference) a fully FCA-regulated firm.

Is Jessica Cook chartered?

Yes. I am Chartered MCSI through the Chartered Institute for Securities & Investment. The CISI is a Royal Chartered professional body, granted its Royal Charter by the Privy Council in 2009. (Verify on CISI Directory). Chartered MCSI is the senior professional designation in UK wealth management, awarded on the basis of qualification, experience, ethical standing and continuing professional development. Holders are entitled to use the post-nominal MCSI.

What qualifications does Jessica Cook hold?

I hold Chartered MCSI through the CISI in Wealth Management, the LIBF DipFA, and the CII Advanced Diploma units AF5 (Advanced Financial Planning Process), AF7 (Pension Transfer Specialist), AF8 (Retirement Income Options) at Ofqual Level 6, alongside R01, R04, R06 and J05. I also hold an LLB (Hons) from Bournemouth University.

How can I verify Jessica Cook's credentials?

You can verify all of my credentials through the relevant public registers and professional bodies: FCA Register (IRN JXC15432) at the Financial Conduct Authority, the CISI's Member Directory, the Chartered Insurance Institute, and VouchedFor's Top Rated Adviser register. I publish my full Statement of Professional Standing (SPS) and my Chartered MCSI certificate annually.

What are your fees?

I am a fee-only adviser. I do not receive commission under any circumstances. All fees are transparent, agreed with you in advance, and disclosed alongside the underlying platform and investment costs. My work is built around long-term advisory relationships, not transactions and products.

Who do you work with?

I work with individuals and families who have complex financial lives, often with international elements. Most of my clients have built meaningful wealth, are thinking about how to deploy it across multiple decades, and want a long-term relationship with someone who understands the whole picture rather than a single product.

Can you advise me if I'm based outside the UK?

Depending on your location and the required regulatory permissions in place. A meaningful proportion of my work is for internationally mobile clients with UK and overseas assets. I am UK FCA-regulated and the wider Hoxton Wealth network holds permissions across multiple jurisdictions. The right regulatory framework for your case depends on where you live and where your assets are. I will walk you through that at our first conversation.

What is the Chartered Institute for Securities & Investment?

The CISI is one of the UK's principal professional bodies for the financial services sector. It was granted its Royal Charter by the Privy Council in 2009. It awards the Chartered MCSI designation, the senior professional standing in UK wealth management, on the basis of qualification, experience, ethics and ongoing professional development.

How is your service different from a private bank or large advisory firm?

You will work with me directly throughout. I keep my client base small enough to give each family meaningful time and continuity. I am not driven by firm-level product targets, and I am not asked to direct your assets to a house platform. The combination of personal service and senior professional standing is the point of my practice.

What happens at our first meeting?

The first conversation is at no cost and no obligation. Its purpose is to understand whether we are the right fit for one another. I want to hear about your situation, your priorities, what you have tried before and where you would like to be in five to twenty years. By the end, I will be clear with you about whether I can help and what working together would involve.

How do you charge?

I am a fee-only adviser. My charging structure is set out clearly in my engagement letter and disclosed alongside the underlying platform and investment costs before any work begins. There are no commissions, no hidden fees, and no conflicts of interest tied to product selection. I never work with any products that provide commissions in any form at any level.

Why do you write a column for The Times?

The Times Money section gives me a space to write about how money shapes life, in a way that is clear, useful and readable. The work feeds back into how I think about advice, and how I help clients navigate the decisions that count. It is a privilege and a responsibility I take seriously.