Genuinely independent
We do not sell our own products, receive commissions on investment or pension business, or favour off-the-shelf solutions. Every recommendation is designed from first principles.
Independent financial planners · London & Dubai
Wealth that works for your life.
Whether it's your pension, investments, tax, estate or business, we see how it all fits together, giving you the confidence to focus on what matters most.
Who we are
Independent by design.
Quantum Life is an independent financial planning and wealth practice in London and Dubai. We bring your investments, pensions, tax, estate and business together in one holistic plan, built around the life you want to live.
Our mission
Help our clients know how much is enough, give them back their time, and help them live a good life on their terms.
01Time
Managing significant wealth takes time and attention. We take the administration and the decisions off your shoulders, so you can spend your time where it matters most.
02Wealth
We look at the whole picture, bringing your pensions, investments, business interests and estate planning together in one coordinated, tax-efficient plan, built to reach and protect your Quantum.
03Life
Real wealth is about more than money. Using our Quantum Compass, we look at your purpose, your time and your relationships alongside your finances, and calculate your Quantum: the amount you need to live a good life, on your terms.
What Quantum Life stands for
Quantum is Latin for “how much”. It is still used today to mean a total amount; lawyers speak of the quantum of a claim. We chose it because of the question it asks: how much is enough?
Over the years we have watched many successful people, clients, friends and family among them, struggle to answer it. Ask a business owner what they need to sell for and most have a figure in mind: £10 million, perhaps £100 million. Ask how they arrived at it, and the answer is often less certain. Too often the number is shaped by what peers appear to have, and it rises with every step up in lifestyle.
We believe the number should come from somewhere else. The people who live the best lives are rarely rich in money alone. They have a clear sense of purpose, time for what matters, and strong relationships with family, friends and the communities around them. These four dimensions of real wealth, purpose, money, time and relationships, form our Quantum Compass.
Your Quantum is the amount of money you need to live a good life across all four, as you define it. Not a benchmark against anyone else, but a figure built from your values.
And Life? Because money is simply a tool. Quantum Life is about the life it pays for.
Our services
Retirement, estate, exit and private wealth planning.
Wealth doesn’t exist in isolation. Investments shape tax. Retirement affects what you leave behind. A business exit can change everything.
- 01
Retirement Planning
Income, drawdown, and freedom of time and money for the next chapter.
- 02
Estate & IHT Planning
Structures, inheritance tax, and wealth that serves the people you love.
- 03
Founders / Exit Planning
Liquidity events, sale readiness, and life after the business.
- 04
Managed Family Office
Your own family office, run for you by one senior team, for a fixed fee agreed in advance.
Why Quantum Life
Why clients choose us over a bank or a broker.
Senior advice, every time
You work directly with the principals, never handed off to a junior. Advice is led by our founder, a Chartered Member of the CISI and Registered Life Planner®.
Clear, transparent fees
Fixed, published fees for the planning work and a stated ongoing rate. You know what you pay and what it buys before you commit.
One joined-up plan
Investments, pensions, tax, protection and estate planning coordinated as one system, with evidence-based portfolios built with partners including Dimensional and BlackRock, for clients across the UK, UAE and Europe.
Our belief
Your money should help you live the life you want.
So we start with the life, not the portfolio. We work out what that life looks like, what it costs and the wealth you need to make it possible. We call that your Quantum.
The Quantum Compass then gives you a clear direction for getting there, and the confidence that your money will support the life you want.
Independently recognised
Independent advice.
Independently recognised.
4.9/ 5
VouchedFor rating
Quantum Life founder Robert Wilcocks, Chartered MCSI, is featured in the VouchedFor Top Rated Guide, distributed with The Times.
Based on independently verified client reviews — the UK's leading ratings site for professionals.
Chartered MCSI
Our founder is a Chartered Member of the CISI, recognising the highest levels of knowledge, skills and behaviour in the profession.
Psychology of money
Registered Life Planner
The RLP® designation from the Kinder Institute of Life Planning — planning built around the life, not the products.
Experience
100+ business owners
Advised through retirement, company sales and other significant wealth transitions.
Benchmark
Top 1% on VouchedFor
Among UK advisers, based on independently verified client reviews.
Questions
Frequently asked questions.
Quantum is Latin for “how much”. Quantum Life exists to answer the question that matters most: how much is enough to live a good life, on your terms?
No. Many clients come to us with a single need, such as a pension decision, an inheritance tax question or a business sale. We advise on that, while making sure it fits with the rest of your finances. You can add more whenever it makes sense.
Yes. Quantum Life is a trading style of Wilcocks & Associates Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 501064). We are independent, so we aren't tied to any product provider and don't earn commissions. Our founder, Robert Wilcocks, is a Chartered Member of the Chartered Institute for Securities & Investment (Chartered MCSI).
Mainly business owners, entrepreneurs preparing to sell, senior professionals and families with complex or international wealth.
We charge fixed, published planning fees, followed by a transparent ongoing fee.
Yes. We advise UK clients in person and remotely, and support international clients from London and Dubai. Clients who can't meet us in the UK receive strategic guidance and coordination through Quantum Life FZE in Dubai, not regulated UK advice.
Book a free 30-minute conversation. There are no products and no pressure. It's simply a chance to talk through where you are and where you want to be.
Next step
Let's start with a conversation.
A free, no-obligation call to understand where you are, what you want next, and whether we're the right people to help.
No products. No pressure. Around 30 minutes.