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.
Founder / CEO
Years of Experience
Satisfied Clients
5* Google Reviews
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.
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.
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.
You want answers to “Do I have enough?” and “Will I run out?” - as well as tax-efficient withdrawal plans.
You want to reduce the tax you pay, optimise savings and structure assets for maximum efficiency.
You want to make the most of pensions, shares, RSUs and bonuses - without adding to their workload.
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:
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
This guide covers how workplace pensions work in practice: how tax relief benefits you, where your money is invested, and what your options are when you come to take it out. What is a defined contribution pension? A defined contribution (DC) pension is a pot of money that builds up over time from contributions and investment growth. There’s no guaranteed income — what you end up with depends on how much has gone in and
