Feel Confident In Your Finances. Find Freedom In Your Life.

Financial Adviser in Manchester

Momentum Wealth is your personal financial adviser in Manchester, combining a human approach with expert retirement planning, pension advice and wealth management. With years of experience and a real understanding of what matters to you, we help you make smarter decisions with your money by creating modern, flexible plans that work in your life – not just on paper.

Our Services

Whether you’re preparing for retirement, planning your family’s future or just picking your next holiday, we deliver personal financial guidance that gives you confidence, clarity and freedom to live life on your terms.

Retirement Planning

Investment Advice
& Management

Pension Consolidation & Withdrawal Advice

Tax & Inheritance Tax Planning

Equity Compensation Planning (RSUs & ESPPs)

Financial Forecasting & Cashflow Modelling

Meet Matt – Financial Adviser in Manchester

Hello, I’m Matt Routledge – Founder of Momentum Wealth.

I started on this journey because I believe financial planning should always be personal. Too often, people are given generic advice that doesn’t reflect who they are or what they want out of life.

My approach is different – every recommendation I make is data-driven, evidence-based and tailored to fit your unique situation and aspirations. That’s what planning with purpose looks like.

Together, we can take the stress out of money and give you the confidence that your future is in safe hands.

Why Choose Momentum Wealth

"Matt has been my trusted, reliable financial Adviser for the last couple of years. He's friendly, knowledgeable and professional. He takes time to explore the long-term goals for me and my family and is always aware of our current circumstances. I'd highly recommend him to anyone looking for expert financial planning."

James Mackay

"Matt has been much help as my financial Adviser. He considered my overall situation, forecasted a plan and recommended a suitable pension and pension fund for myself. Highly recommend Matt to anyone looking for a financial Adviser in Manchester."

Callum Waddell

"Matt has been a tremendous support! This Adviser office has a good mix of experience while also being able to understand the needs of a younger person just starting out. Very diligent and patient along the way! 100% recommend"

Klara Foltynova

Planning That Puts You First

We’re not your typical financial advisers. Of course, we know pensions, investments and tax rules inside-out – but our goal isn’t just to help you “grow your money.” We focus on making financial decisions that support your personal goals – understanding what you want life to look like and building a clear, efficient strategy to make it happen.

We take care of the money. You take care of the memories.

Financial Advice Tailored To Every Chapter of Your Life

Momentum Wealth Is Perfect If You’re…

Approaching or at Retirement

You want answers to “Do I have enough?” and “Will I run out?” - as well as tax-efficient withdrawal plans.

Running Your Own Business

You want to reduce the tax you pay, optimise savings and structure assets for maximum efficiency.

A High-Earning Professional

You want to make the most of pensions, shares, RSUs and bonuses - without adding to their workload.

We’ve Been Featured In:

Latest Blogs

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The 60% Tax Trap: How Earning Over £100k Can Cost You Thousands in Childcare

If you earn over £100,000, HMRC applies one of the highest effective tax rates in the system, and it’s catching more people every year as wages rise. It’s known as the 60% tax trap, and if you’ve got young children, it can be even more costly, because it doesn’t stop at income tax. In this guide, I’ll show you exactly how the trap works, what it actually costs a family with children in nursery, and

Matt Routledge

Blog

Pension vs ISA vs BTL

Pension vs ISA vs Buy-to-Let: Which Is the Best Investment? Property, pensions, or ISAs: it’s one of the great UK investing debates. It’s right up there with “north vs south” and whether the milk goes in before or after the tea. Everyone’s got a strong opinion, and most people are convinced theirs is the right one. There isn’t a single correct answer. It depends on your goals, your risk tolerance, and what you actually value:

Matt Routledge

Blog

Pension Options

Pension Drawdown vs Annuity UK: Which Suits You? If you’re approaching retirement with a defined contribution pension, you might be wondering: how do you actually take an income from it? In this post I want to walk you through the three main retirement income options; annuity, drawdown, and UFPLS. I use a real-world example so you can see what they look like in practice. Meet Tom: a £250k Pension, Three Options Meet Tom who is

Matt Routledge