01572 898060 enquiry@efficientportfolio.co.uk

Our chartered firm believes in helping people to clarify and realise their dreams and goals through their financial planning.


Welcome To Efficient Portfolio

At Efficient Portfolio, we believe in helping people clarify and realise their dreams and goals through financial planning. We do this by taking you through a unique process that allows you to get a better understanding about us, of what you want to achieve in the future and what concerns you have about the present. We can then build your financial planning to help deliver exactly this.

We were the first Chartered Financial Planning firm in Rutland and pride ourselves on being able to provide you with a planning service built on honesty, professionalism and integrity. The prestigious Chartered title is the Financial Services Industry’s gold standard. It is only awarded to firms who can satisfy a rigorous qualification process and show a commitment to continual professional development. Only firms who are committed nma-top100-logo4to the Chartered Institute’s Code of Ethics are able to achieve the coveted Chartered title.

People don’t plan to fail, they fail to plan. We want to ensure you don’t.

At each and every stage of our relationship with you, we do everything possible to take away your concerns, exceed your expectations, and give you reassurance and peace of mind in your financial future.

This is proven out by Efficient Portfolio and Charlie Reading having been recognized as one of the Top 100 financial advisers in the UK for 2016 by New Model Adviser.

FREE Book - The <em>Dream Retirement</em>.

FREE Book - The <em>Dream Retirement</em>.

Learn how to build your Life 2.0…. the retirement of your dreams! This book is an inspirational guide on how to turn your new life into a fantastic, fruitful, and fulfilling existence. Receive your own FREE downloadable version.

Register NOW!

Fast interaction

Fast interaction

Get started now on securing your retirement dreams with a FREE Exploration Meeting.


Unique Client-Centric Financial Planning

Unique Client-Centric Financial Planning

Benefit from Efficient Portfolio’s unique financial planning process, putting your UNIQUE Retirement Dreams first.


Do-It-Yourself Tools

Do-It-Yourself Tools

We have put together a number of calculators that will help you easily manage your finances more effectively.


In The News

In The News

Follow the media and press releases of Efficient Portfolio, to keep you up-to-date with financial developments.




Our Blog gives you everything you need to learn on how to save for retirement, manage the markets, and how to make the most out of your opportunities.


"Our Financial Planning Is As Unique As You Are"

“I’m Charlie Reading, Managing Director of Efficient Portfolio, a Chartered Financial Planner, speaker, and an author who has a passion for amazing financial planning. I’ve been in the financial services industry since 1999 and having learnt a great deal from working in two of the UK’s biggest firms, I wanted to move away from that impersonal environment, so that I could focus on my client’s unique needs and aspirations and give them the one-to-one care they deserve.

Today, I am a Chartered Financial Planner and my qualifications place me in the top 10% of all individual Financial Advisers in the UK. My firm specialises in investment and retirement planning, and has been very successful, with offices in both Rutland and London.

Our success as a team makes me incredibly proud, but nothing compares to the feeling when Efficient Portfolio’s clients tell me that we’ve helped them “find their purpose,” or that working with us has been “life-changing” and “empowering.”

With compliments like that, it’s probably obvious that the team at Efficient Portfolio is not like most financial planning firms: We’re chartered, completely independent, and totally focused on your personal goals and ambitions.

We want to work with you to BUILD, MANAGE, and PROTECT your WEALTH – by guiding you through our Efficient Wealth Management Process, and creating a bespoke Efficient Financial Plan, which we’re so confident about, we offer you a 100% money-back guarantee if you don’t get the value from it that you’d expected.

So to see first-hand how we can help you, book your FREE Exploration Meeting now.”

Managing Director
Charlie Reading
Independent Financial Planner
Tom Senogles
Practice and Marketing Manager
Charlotte Colton
Senior Paraplanning Manager
Sonal Amlani

Top 7% Of Financial Advisory Practices In The UK

Charlie Reading Is In The Top 10% Of All Individual Financial Advisors In The UK

New Clients From Referrals

Retention of Clients


Why Read Dream-Retirement

“With Dream Retirement; How To Secure Your Money And Retire Happy readers will learn how to build their Life 2.0, the retirement of their dreams! This book is an inspirational guide for how to turn your new life into a fantastic, fruitful, and fulfilling existence.

  • Find out how to forecast your financial future so that you can ensure you don’t run out of funds.
  • Learn to maximise your money to ensure it is working as hard as possible for you, without taking unnecessary risks.
  • Build an income strategy that allows you to tick off your Bucket List while you are young and healthy enough to do so.


Some Milestones

years in business
Chartered Financial Planning Firm In Rutland
Published Book By Charlie Reading, <strong><em>The Dream Retirement</em></strong>


Selecting your Financial Planner is an incredibly important decision, and one that you need to take time and care over. So why choose the Efficient Portfolio Team?

Your achievements are our passions, so we believe in helping you to reach your goals and realise your dreams; whether through expert financial planning or the continual expansion of your knowledge, we are dedicated to helping you.

Our mission statement is that we:

“Aim to provide our clients with a highly tailored, complete financial planning service, manifested through a compliant structure that is fair, efficient and simple.”

Each client is unique to us and we help them to fulfill their individual goals and aspirations by ensuring that their finances are aligned with their expectations.

We do this by taking each new client through the Efficient Wealth Management Process, a unique process designed to give clients the best advice in all the areas of their finances, create an automated financial plan for the future that ensures they continue towards their objectives and that is flexible to ensure it continues to meet their priorities during a changing lifetime through regular reviews.

What sets us apart is our thirst for continuous and never ending improvement. We strive to continually better ourselves; whether that’s bolstering our knowledge, boosting the services we offer our clients or


proactively searching for new and innovative ways to help you achieve your goals, we will never stop. We use innovative tools like Lifetime Cash Flow Forecasting, Life Planning Processes and a market leading investment solution to achieve the best possible results for our clients.

Our dynamic, friendly, and forward thinking team believe in a fresh approach to Financial Planning. We believe in your future and we work tirelessly to ensure that we can help you achieve your goals. Our service is client centric, meaning that our clients are at the heart of everything we deliver.

We also believe in developing genuine and honest relationships with our clients. Traditional Financial Planning is stuffy, counter-productive and devoid of emotion. But that’s not us. We continuously work to deliver the most innovative financial planning we can, so that we can provide our clients with a service that is professional, personal and, more importantly, effective. Our attention to detail means that your ever changing needs are wholly catered for.

If you’re looking for a new breed of Financial Planner, then the team at Efficient Portfolio can help. To see how our knowledge, innovative style and bespoke customer service will help you to achieve your goals, contact us today.


Mr. and Mrs. Mitton
My wife and I are delighted with the advice and support we have received from Efficient Portfolio. For the first time, in our experience, we have enjoyed independent financial advice which is exactly that; advice that put us, the clients, at the centre of their planning procedures.
An example of the care and attention Efficient Portfolio took with our personal situation resulted in a substantial cash gain from a high street bank. An investment I had made years ago had gone badly wrong. Efficient Portfolio looked closely at all of the details and suggest that, in relation to our risk profile, we had been mis-sold and that in this situation it was worth considering a letter of complaint. Efficient Portfolio provided excellent support in composing an objective and critical complaint. The result; the banks investigation found in our favour- our losses made good.
B H Leicestershire
I am self-employed and do not have the time to look into the best opportunities for my pension and investments.
Charlie Reading is both dynamic and pro-active.
He has never let me down and everything is done on time. I have no worries now that Efficient Portfolio is taking care of my finances.
Helen & Chris Wada
Charlie has been providing us with professional financial advice for over ten years. He has made complex and often confusing options easy to understand and has supported us to make the right decisions for us and our family as our circumstances change over time. I wouldnt hesitate to recommend Charlie to others and have already done so with many favourable comments.

Our Blog

Latest Posts

Efficient Wealth Update April 2017

Millions of People Will Get the Wrong State Pension It has been reported recently that up to four million people who will retire from this April (2017) could potentially receive either too much or too little State Pension, due to a bug-ridden data calculation system used by HMRC. It has been worked out that, in…

Efficient Wealth Update March 2017

The Efficient Wealth Update March 2017 looks at the current financial and economic factors that are effecting your money. We also look at how you can create a healthier lifestyle and enjoy your time in retirement.

The Budget March 2017

With Brexit looming ever-closer, it is no surprise that ‘Spreadsheet Phil’s’ Budget placed a heavy focus on how he planned on steering the good ship Britannia through the choppy economic uncertainty ahead.

Despite the UK being the second-fastest growing economy in the G7 in 2016, Mr. Hammond didn’t want to appear complacent, so instead delivered a Budget designed to replenish the British coffers and build a strong foundation on which to build our ‘brave new world’.

The Chancellor’s main focus was on business, especially the self-employed, and included Business Rates and the taxation on the new ways of working. As ever, the Budget also addressed tax ‘avoidance, evasion and imbalances’ and set out to hike certain taxes to bolster our economy.

For our clients, we are recommending that you pay particular attention to the reduction in Money Purchase Pension contributions, as now is the time to maximise any unused allowances, before they are sharply cut. It is also worth look at the new Inheritance Tax allowance for home owners, as this could have significant impact upon your estate planning.

If you are a business owner that’s not already a client of ours, this Budget is of particular importance to you, and we feel that it may be worth booking a meeting with us to look at how you can plan your finances for the coming 12 months.

 The self-employed appeared to be the hardest hit in this Budget, with the onus being that the Treasury felt they weren’t paying enough tax. To combat this, Class 4 National Insurance contributions will be increased from 9% to 10% in April 2018, and then again from 10% to 11% in April 2019. It is important to note that anyone earning over £43,000 will continue to be taxed at 2% and those earning below £8,060 will pay nothing.
 On the reverse side of this coin, some business will be assisted with their Business Rates, with £435 promised to firms affected by the increases, including a £300m hardship fund for those worst hit. Rate rises for businesses who will lose existing relief will also be capped at £50 per month.
 Employees will also be affected, when some Salary Sacrifice benefits will be withdrawn from next month (April 2017). This will mean that employees can no longer gain a tax and National Insurance benefit by ‘buying’ certain services through their pre-taxed earnings. Thankfully, employer provided pension contributions, cycle schemes and employer supported childcare schemes will remain unaffected by this move.
Pensions and Savings
 There were no changes made to the previously proposed reduction to the tax-free allowance on pensions. Regulations introduced in April 2015 had already restricted Money Purchase Pension contributions, for those already taking an income, down to £10,000. Mr. Hammond’s Budget compounded this further, but reducing the limit down to £4,000, with effect from April 2017. If you have not already used this tax-year’s allowance, it would be prudent to maximise this now.
 For directors, dividend income is set to be reduced from £5,000 down to £2,000. The measure, affecting small business owners and investors, will come into force in April 2018. It is important to note, however, that dividend income paid on shares held in a Stocks and Shares ISA will still free of additional tax.
 Every Budget aims to tackle tax evasion and avoidance, so it is not a surprise the Chancellor has laid out proposals to tackle the ‘over-abuse’ of overseas pension schemes. The general rule is that transfers to QROPS, requested after 9th March 2017, will be taxed at a rate of 25%, however, there are multiple exceptions. If this moves affects you, it is worth speaking to us.
 A new type of savings account, which came to light last year, is the Lifetime ISA. Whilst this tax-efficient mechanism is not relevant to everyone, for those aged 18-39 years old, the LISA that will be available from 6th April 2017 could be a great savings tool. The LISA is designed for those who are savings towards the purchase of a house, or planning ahead for their retirement. As long as the purpose of the LISA meets one of these two criteria, the Government will pay a bonus of £1 for every £4 deposited, with a maximum contribution amount of £4,000 per annum. If you would like to know more about how this vehicle could benefit you or your children, please contact the office.
 In the 2017/18 tax year, the Personal Allowance for Income Tax is being increased to £11,500, meaning that workers should see an increase to their tax-home pay. For higher rate tax payers, there is also some good news: the threshold for 40% tax is being increased to £45,000 as of April 2017/18, so they too will have slightly ‘plumper’ pay packets.
 In addition to the existing £325,00 Inheritance Tax allowance, as of 6th April 2017, homeowners, and those who own a share in their home, can look forward to an additional benefit. An allowance of £100,000 for this tax year-(2017/18) can be utilised when your home or share is passed on to direct descendants upon your death. For the next 3 tax years, the allowance will be increased by £25,000 (i.e. £125,00 for 2018/19, £150,000 for 2019/20 and £175,000 for 2020/21). This allowance is also being back-dated to 7th July 2015, so could still apply for people who dies last year.

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