Talk To Matt
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.

Talk To Matt
Matt Routledge

Founder / CEO

10+

Years of Experience

70+

Satisfied Clients

100%

5* Google Reviews

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

Learn More

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 Us?

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
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
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
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
Blog
Matt Routledge

The UK State Pension Explained (2026): How Much Will I Get?

For many people, the State Pension forms a key part of their retirement income.In this guide, I’ll explain how the UK State Pension works, how much you could receive, whether topping up your National Insurance record is worthwhile and some of the common mistakes to avoid. What Is the State Pension? The State Pension is a regular payment from the government that you can claim once you reach State Pension age. It is designed to

Read More »
Matt Routledge
UK Pensions Explained
Blog
Matt Routledge

UK Pensions Explained: A Beginner’s Guide to Pensions

Pensions can feel confusing, especially if no one ever explained to you how they work. This guide explains UK pensions in simple terms, so you can understand the basics. We’ll be covering the different types of pensions, how they work, the tax benefits, your options when taking money out, and what happens to your pension when you die. What Is a Pension? A pension is a form of saving or income source that you use

Read More »
Matt Routledge
Workplace Pension Default Fund
Blog
Matt Routledge

What Is a Workplace Pension Default Fund and Should I Change It?

If you’re paying into a workplace pension, there’s a good chance your money is invested in the scheme’s default fund. In fact, various sources (Royal London, DWP, Nest) say that over 90% of people stay invested in their employer’s chosen default fund. For many UK employees, this happens automatically and is never reviewed. While default funds are designed to be broadly suitable, they are not personalised — and in some cases, they can significantly limit

Read More »
Matt Routledge