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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.

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10+

Years of Experience

70+

Satisfied Clients

95%

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

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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?

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

Should I Combine My Old Pensions? Benefits, Risks and What to Check

Combining your pensions can make them easier to manage but it shouldn’t be done automatically. Look under the bonnet of each pension first, the type, the investments, the charges, the income options and any guarantees, and only then decide what stays and what moves. If you’ve worked for a few different employers over the years, you’ve probably got more than one workplace pension. I’ve had clients come to me with sometimes 7 or 8 old

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Matt Routledge
Blog
Matt Routledge

What Happens to Your Pension If the Stock Market Crashes?

How We Structure Retirement Income to Protect It We’ve all heard the line, “Investments can go up as well as down,” but even if you know this is true and you understand that markets can recover given enough time, it still doesn’t make it any easier when you receive a statement from your pension company or check your accounts online, and the value is constantly fluctuating. In recent years, not only have we seen significant

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Matt Routledge
Blog
Matt Routledge

The 60% Tax Trap: How Earning Over £100k Can Cost You Thousands in Childcare

If you earn over £100,000, HMRC applies one of the highest effective tax rates in the system, and it’s catching more people every year as wages rise. It’s known as the 60% tax trap, and if you’ve got young children, it can be even more costly, because it doesn’t stop at income tax. In this guide, I’ll show you exactly how the trap works, what it actually costs a family with children in nursery, and

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Matt Routledge