Homepage | Oakpath Financial Planning

Personal by design. A better way to plan your future

Expert financial planning, thoughtfully shaped around you and delivered with exceptional ongoing service.

Every great journey starts with a plan

Your financial priorities change over time. The plans you make when you’re building your career and growing your wealth are very different from the decisions you’ll face as retirement approaches, during retirement itself, or when you’re thinking about the legacy you want to leave behind.

At Oakpath Financial Planning, we believe great financial planning isn’t about selling products, it’s about helping you make confident decisions at every stage of your life.

About us

Who we work with

Our clients come from a variety of backgrounds and stages of life. Some are building wealth and planning for the future, others are approaching or enjoying retirement, while many are thinking about how best to support future generations.

While their circumstances and goals may differ, they all value trusted financial advice and the confidence that comes from having a long-term partner by their side who understands their story, their aspirations, and the people who matter most to them.

Our clients are an important part of our story, just as we are a trusted part of theirs.

Nick Winter – Chartered FCSI

Founder

Where are you on your journey?

To support myself and my family.

And want to fully enjoy the next chapter.

And want to keep it that way.

For those who matter most.

Someone is sitting in the shade today because someone planted a tree a long time ago.

- Warren Buffett

Doing well with money has little to do with how smart you are and a lot to do with how you behave.

- Morgan Housel

Wealth is the ability to fully experience life.

- Henry David Thoreau

Nick is a very approachable, very knowledgeable, likeable and above all a very professional person in his field. He has managed our pensions and helped them develop and grow . He put our minds at ease during Covid when pension investments were on a bit of a decline. He has set out expectations on when we come to retire and continues to have input in their progress.

A verified client Merseyside

Nick has been amazing right from our first meeting. He is down to earth and very in-tune with what he does. I found him very approachable and felt I could ask questions at any point. He has taken time to listen to both myself and my family, he has been open to suggestions as well as sharing advice of his own. He has ensured that the product is right for us and his eye for detail is phenomenal, coming backwards and forwards with better products and ideas throughout this process. Although there was a lot of paperwork to read and understand, I have felt supported at every point of this journey so far.

A verified client Hampshire

Nick has been amazing from our very first meeting, he’s personal approach and his attention to detail really made the whole situation effortless. Nick took time to understand the business, my family and our requirements and presented a tailor made package to suit all of our requirements. In a short period of time Nick has given myself and my family peace of mind regarding our financial future and protection.

A verified client Hampshire

Our process

What you can expect when working with us

Find out more

The initial conversation

Understanding your priorities, goals, and current financial picture. A relaxed discussion to set the direction and focus of your planning journey.

Delving into the details

Exploring investments, pensions, and cashflow in depth. Identifying opportunities, risks, and key points that shape a coherent financial plan.

Presenting and implementation

Turning the plan into action: clear recommendations, agreed decisions, and practical steps to put your financial strategy in motion.

Staying on track

Monitoring progress, reviewing updates, and adjusting your plan as needed, so that it remains aligned with your life and its evolving priorities.

More from our wonderful clients

    
 
 
      Posted on Google  
   
   Ruth Butler 
 47 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I was concerned about my financial future, Nick Winter has given me help and advice, where to invest my money and put me at ease ready for my retirement. Very informative, helpful and patient in explaining everything to me.
  
 
     Posted on Google  
   
   Stephen Morley 
 58 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Nick from Oakpath was thoroughly professional throughout the process of sorting out my retirement finances. Although I had  accumulated a large number of pensions pots, Nick was able to find an exceellent solution that promises to meet my requirements. Nick spent a good deal of time getting to understand my needs and clearly explained the various options. He kept in contact regularly (face to face and via phone and WhatsApp.)  The fees involved were very reasonable considering the potential reduction in my ongoing income if I had got this wrong. I can thoroughly reccommend Oakpath
  
 
     Posted on Google  
   
   Selina Torbett 
 65 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I had a great experience with Nick. He is very approachable, friendly and knowledgeable. Would highly recommend Oakpath financial planning!
  
 
     Posted on Google  
   
   Mark Holder 
 155 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Nick at Oakpath Financial Planning has been helping me plan and structure my finances as per my future goals. He helped me to realise some large gaps that needed to be addressed for my pension and other areas. He is very friendly and approachable and always has time to answer any questions. Thanks to Nick, I was able to work out what my financial goals are for the future and as such we have put things in place to achieve this. I would highly recommend Nick at Oakpath Financial Planning.
  
 
     Posted on Google  
   
   Matt Gisby 
 222 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Nick offered excellent advice and then went on to set up all services we required. He was patient with our questions and then very prompt with his actions- would highly recommend him as a hugely professional financial advisor.
  
 
     Posted on Google  
   
   Denise Fishwick 
 298 days ago
 
 
 Trustindex verifies that the original source of the review is Google. After my husband passed away, I found myself overwhelmed with the responsibility of managing pensions, investments, and insurance on my own. Working with Nick has been an incredible source of clarity and support during one of the most difficult periods of my life. He approached every conversation with patience, empathy, and professionalism. He took the time to explain each option in a way I could understand, never rushing me and always ensuring I felt confident in every decision. His expertise in navigating complex financial matters gave me real peace of mind, and thanks to his guidance, I now feel much more secure about my financial future. I’m so grateful for all that Nick has done and would highly recommend Nick to anyone seeking a knowledgeable and compassionate financial advisor.
  
 
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   keith scarterfield 
 350 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Very pleased with the service and advice Nick has provided us for our retirement. Now over a year into our retirement and Nick continues to help us stay on track.  Would recommend him to anyone for pension/financial advice.
  
 
     Posted on Google  
   
   Gordon Avon 
 737 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I have used Nicks services for many years and have always found him very knowledgeable, courteous and helpful. I would not hesitate to recommend him.
  
 
     Posted on Google  
   
   Margaret Cameron 
 1148 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Nick was recommended to me after I received a less than impressive service from my previous financial advisor.  From our first meeting it was evident to me that Nick understood my requirements in terms of financial planning and security.  He listened to my concerns and circumstances which he was very quick to comprehend and was able to reassure me.  I have no hesitation in recommending Nick particularly to anyone who is nervous of their financial affairs.
  
 
     Posted on Google  
   
   Gill Warren 
 1234 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I would not hesitate to recommend Nick, as we have been very impressed and delighted with the service which Nick has provided to us. Everything has been explained fully with all options and scenarios covered, to ensure that we were making the best possible decisions for our needs. Nick has a warm and friendly manner, and always goes the extra mile, and keeps in touch with us when markets change incase we have any concerns. Couldn’t be happier with his service.
  
 
     Posted on Google  
   
   Michael May 
 1285 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I needed help finding the right life insurance and critical illness cover and Nick was so helpful and professional. He explained everything patiently and thoroughly. He is a friendly person who genuinely wants the very best for his customers. Highly recommend!
  
 
     Posted on Google  
   
   Sarah Webber 
 1343 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I had been putting off sorting out my future retirement plans as I had a few different old pensions from previous work places and was dreading the work involved but knew it had to be done so contacted Nick.    Nick visited and took all the details he needed and dealt with all the companies to combine my pensions into one pot keeping me informed all the way through the process to provide me with my detailed retirement forecast.  It was a pleasure dealing with Nick nothing was too much trouble .
  
 
     Posted on Google  
   
   Mike Webber 
 1343 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Nick sorted out my multiple pensions and combined into one, making everything far easier for me to understand and manage. Nick also gave me very sound financial advice leaving me more confident for my future finances.
  
 
     Posted on Google  
   
   Steve Winter 
 1540 days ago
 
 
 Trustindex verifies that the original source of the review is Google. With retirement approaching, my wife and I decided that it would be a good time for a full review of our financial situation to help ensure an enjoyable and worry-free retirement . Nick took the time to really get to know us, and made us think about what we actually wanted our money to do for us. He put together a detailed life plan, as he called it, which demonstrated how our income, savings, investments etc would meet the cost of our desired lifestyle in retirement. Using a cash flow forecasting tool modelled on our income, savings, investments and expenditure he was able to demonstrate  different 'what if' scenarios to see the effect these would have on our financial position. It transpired that Nick found that we had an inheritance tax liability and using the 'what if' was able to show that we could mitigate this without it impacting our retirement plans. He also noticed that our Wills were linked to some trusts that were set up in 2006 and had become outdated and no longer effective in achieving what they were originally designed for. Thanks to Nick, all of this has now been resolved. Nick did a thorough job and it was clear from the outset that my wife and I were front and centre at all times and he wasn't just trying to sell us something. I am confident to recommend Nick for any  financial advice and have indeed done so already to a close family member.
  
 
     Posted on Google  
   
   M. Mahon 
 1671 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Cannot praise Nick enough, for advice surrounding my financial queries and needs. He was professional, transparent and helped to explain all topics, in an easy-to-understand manner (being someone who is naturally wary of numbers!) He was happy to be flexible around my schedule and helped me to achieve a positive outcome, despite setbacks. Would 100% recommend. Thank you Nick!