Lee Windle
Prosperity Financial Planning
All the financial advice you need, all in one place
Guiding you with integrity, as wealth managers we aim to be your financial advisers for life, not just a short term solution.

Founded on Trust, our relationship will help to increase, manage and protect your wealth now and for future generations. Independent means that we are not tied to any one provider in recommending investments, policies or plans, so you can be assured of wholly bespoke quality financial advice.

By getting to know your values, goals, whoever and whatever you care about, we can help you achieve the financial aspirations that surround them. 
Based in Ilkley and Skipton, we can either meet you at your home or office at a time that best suits you, or you can come to us.

The 4 Step Process

Step 1


  • Introduction
  • Agree remuneration level
  • Review existing plans
  • Identify goals and objectives
  • Information gathering

Step 2


  • Assess objectives
  • Research
  • Devise investment strategy
  • Select Product(s)
  • Recommendation
  • Suitability report

Step 3


  • Apply to product provider
  • Complete documentation
  • Process applications
  • Policy documentation

Step 4

Ongoing Service

  • Assess the continued suitability
  • Complete new investment risk questionnaire
  • Annual suitability report
  • Ongoing access to your adviser

About Me

Lee has been advising clients since 1996, he has a wealth of experience in helping clients to achieve their financial goals. He has been awarded the prestigious title of Chartered Financial Planner which is regarded as the industry's "Gold Standard" for financial advisers.

Providing independent financial advice to business, individuals and trustees, most of Lee’s clients live or work in West and North Yorkshire. Many are based in Skipton, Ilkley, Craven, Harrogate and Leeds and surrounding areas, although he looks after clients throughout the UK.

Dealing with financial matters can be complicated nowadays with thousands of products available and sometimes confusing terminology. As independent financial advisers we are not tied or limited to any particular providers and can advise you on products from the whole financial market. That means we'll research the most suitable solutions for your unique needs and circumstances.

Lee is backed and regulated by a team of finance and technology experts at 2plan, so you have the peace of mind that you have a strong and experienced team working with you to keep track in an ever-changing world.

Looking after your wealth would be a privilege we would respect and honour if you would like us to guide you.

What I Do

Because I'm backed by an experienced and knowledgeable team of financial planning and IT specialists at 2plan, you can enjoy complete peace of mind – safe in the knowledge that you have industry-leading expertise working for you.

Financial Protection

We all dream of winning the lottery. But what are your odds when it comes to accidents or illness?

Unfortunately, the chances of long-term absence from work are higher than you might think

8 ball

8% risk of death before 65.

16 ball

16% risk of suffering a serious illness.

32 ball

32% risk of being unable to work for 2 months or more.

Life cover is the most popular cover but premature death isn't the biggest risk we face during our working lives.

We're all natural optimists, but even a little bit of income protection could make your finances less of a gamble.

Source: LV= risk reality calculator May 2015, based on a male non-smoker aged 30.


Investment Planning And Regular Savings


Why Helping with Asset Allocation Is So Important

By including assets with investment returns that move up and down under different market conditions, an investor can protect against significant losses within a portfolio. Historically, the returns from the major asset classes have not moved up and down at the same time, so by investing in more than one asset type, you'll reduce the risk of losing money and your portfolio's overall investment returns should have a smoother ride.

Time vs Money

Why Does Time Matter

Time Horizon - the number of years, or decades you will be investing to achieve a particular financial goal can make a significant difference. If you think about it, an investor with a longer time horizon may feel more comfortable taking on a riskier, or more volatile investment because they can ride out the inevitable ups and downs of our markets. Risk Tolerance – being prepared to lose some or all of your original investment in exchange for greater potential returns. An aggressive investor, is more likely to risk losing money in order to obtain better long term results, whereas a cautious investor, tends to favour investments that try to preserve the original investment.

Profit Risk Loss

So What's The Right Approach For Me

The actual process of determining which mix of assets to hold in your portfolio is a very personal one. The asset allocation that works best for you at any given point in your life will depend largely on your time horizon and your ability to tolerate any potential losses. We have developed cutting-edge psychometric risk profiling software to make sure we help you make the right decision.


Retirement Planning

Wednesday, February 20, 2013

Britons 'worst in world at saving for retirement'

British workers are the worst prepared in the world for retirement, a new study has shown.

Figures from HSBC show that the average retirement in the UK is expected to last 19 years, but the average person's retirement savings will last for just seven years.

Recent data from the Office for National Statistics shows that the median value of private pensions in the UK stands around £57,000. As most people take out the 25% tax free cash of £14,250 this would only leave enough for a guaranteed income of around £127pm*. Whilst most people tend to spend less money in retirement, £127pm is around 6% of the current national average earnings.

100 Percent Percent
Pension Shortfall

* Based upon a male and female aged 65 with benefits escalating at 3% and provision for a 50% spouses pension


Advice At Retirement

What on earth is pound cost ravaging? It's the name given to the effect on your pension pot when you withdraw capital in a falling market. By taking regular withdrawals whilst the market is falling, the financial implications for your retirement pot can be dramatic, you only have to get a few years of bad returns in the early years of your retirement and it may be almost impossible to recover, even though the longer term average returns from your investments may remain strong.


You must remember that you're effectively selling your assets when they are worth less. This is because when the price of each unit that you hold is lower more need to be sold in order to reach your required level of income. Unfortunately, most savers simply assume that if they select a modest level of regular income, regardless as to what happens in the markets, that they'll be able to carry on indefinitely. In reality, taking regular withdrawals in times of market stress can destroy the health of your pension pot and therefore, investors must regularly adjust their retirement plan and investment strategy to avoid the real risk of running out of money whilst retired.



For many people, buying a home will be the largest single investment they make, it's a huge financial commitment that no one can afford to get wrong. Making the wrong decision can be a very expensive mistake. Moreover, trying to pick the best deal from the vast ranges available from hundreds of lenders can seem almost impossible and even if you find a good deal, you may not know whether you will be accepted – especially as lending criteria often vary considerably.

Whether you are a first time buyer, moving home, looking to re-mortgage or purchase a second property, it is crucial that you only consider a mortgage that's right for you and this is where a mortgage adviser helps by searching the market on your behalf to source the right deal based on your personal circumstances and budget. We will also discuss the various options, such as fixed, tracker, discounted, variable and offset and of course the different ways in which you will repay your mortgage.

All of this is essential, as your home may be repossessed if you do not keep up repayments on your mortgage.


Ongoing Service

Understand Plan Review Implement

An international HSBC study, The Future of Retirement, in 2011 showed that those with financial plans accumulated nearly 250% more retirement savings than those without a financial plan in place. Furthermore, nearly 44% of those who have a financial plan in place save more money each year for retirement.

FOCUS on plans, not retirement

Research by David Blanchett and Paul Kaplan of Morningstar, in their article "Alpha, Beta and now...Gamma", has attempted to quantify into real numbers the value that financial advisers can provide. Their research shows that advisers help individuals generate roughly 1.82% excess return each year, creating roughly 29% higher retirement income wealth. This means even if an adviser is charging a 1% fee a year for the management of assets, the financial advice still has a huge impact on generating additional wealth.


The Way We Work

As financial advisers, our success depends on building successful long term relationships with clients. Honesty, integrity, good service, going the extra mile - these are the things we believe matter to you, and these are the guiding principles that underpin our approach to business.

As an Independent Financial Adviser I am not tied to any particular provider and can advise you on products from across the whole market. I will always take a rounded view of the options – considering factors such as charges, customer service and financial resilience. This means I will offer the most suitable solutions for your individual needs and circumstances.

Our guiding principles:

  • Best advice - providing you with products and services suitable for your needs
  • Great service - prompt, reliable, friendly; always centred around you
  • Clear, open communication - so you always know where you stand
  • Good information - honest and accurate, timely and relevant
  • Continual improvement - enhancing and updating our service to you
  • Quality control - identifying failings and putting them right
  • Checking and monitoring - reviewing information, tracking progress
Money Marketing Awards

Money Marketing Awards


  • Winner - Best use of Technology


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6 Hawksworth Street, Ilkley, Leeds, LS29 9DU.
01943 968100
07850 313763
[email protected]
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Prosperity Financial Planning is a trading name of 2plan wealth management Ltd.

2plan wealth management Ltd is authorised and regulated by the Financial Conduct Authority. It is entered on the Financial Services Register (www.fca.org.uk) under reference 461598.

Registered address: 3rd floor, Bridgewater Place, Water Lane, Leeds, LS11 5BZ. Telephone: 0113 302 1360.

Registered in England Number: 05998270.

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If You Have A Complaint

Of course, I always strive to provide a service that meets your needs. But if I fall short of your expectations, I'd prefer to hear about it – so I can put things right.

If you need to take things further, you can register a complaint by writing to: 2plan wealth management Ltd 3rd Floor, Bridgewater Place, Water Lane, Leeds LS11 5BZ - or by telephone on 0113 3021369.

You may also be able to refer your complaint to the Financial Ombudsman Service. Their contact details are:

The Financial Ombudsman Service, Exchange Tower, London E14 9SR. Tel: 0800 023 4567.



As financial advisers, our success depends on building successful, long-term, professional business relationships with clients. Honesty, integrity, good service and going the extra mile - these are the things we believe matter to you, and these are the guiding principles that underpin our approach to business.

Existing clients, please click here to visit the Horizon portal.