Andrew Woolhouse

Andrew Woolhouse is a Leeds-based Chartered Financial Planner and director of Cadlam Wealth, a trading style of iWealth Financial Ltd. Cadlam Wealth describes the firm as founded in 2023 and focused on financial planning advice for business owners and individuals across the UK. iWealth Financial Ltd is authorised and regulated by the Financial Conduct Authority with FCA number 949845, and Companies House lists Andrew James Woolhouse as the active director of iWealth Financial Ltd, appointed on 14 April 2021.

According to iWealth, Woolhouse has worked in financial services for more than 15 years. He began in a managerial role at HSBC, trained as a paraplanner, then spent six years as an independent Financial Adviser at AEON before founding iWealth in 2012 and serving as principal Financial Planner and Director. Cadlam Wealth’s profile adds that he started his career at HSBC in 2002 and moved into financial services as a paraplanner in 2008.

His public profiles emphasise regulated personal financial advice rather than startup investing. He specialises in working with high earners, business owners, and people approaching or in retirement, providing advice on pensions, savings, investments, taxation, Inheritance Tax, and estate planning. LinkedIn lists Newcastle University as his education from 1998 to 2001 and a Chartered Financial Planner certification from the Chartered Insurance Institute issued in December 2013.

• No public evidence was found that Woolhouse is an active seed-stage angel investor or that he publishes a startup investment thesis.
• His stated investment philosophy is for client portfolio management: iWealth says portfolios are designed around a client’s attitude to investment risk, use roughly 30 funds across asset classes, and are reviewed quarterly.
• iWealth states that it believes active management is the best option for its clients, while also benchmarking costs and performance against passive funds.
• Woolhouse’s public focus is goals-led financial planning. His VouchedFor profile says he believes in understanding personal goals before designing a bespoke plan.
• His client segments are high earners, business owners, people planning retirement, people seeking pensions advice, and people concerned about Inheritance Tax.
• For business owners, the relevant focus is personal/business wealth planning rather than venture funding: Cadlam Wealth positions itself around tailored financial solutions for business owners and entrepreneurs.