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At Change the Rules Limited, we set out to do things differently. Our vision was clear from the start: to break away from the outdated, siloed practices that dominate the financial services industry and replace them with a model built on transparency, trust, and long-term value.
Founded by Andy Topping MSc, Chartered Wealth Manager, our firm acts like a family office for our clients, providing every aspect of financial planning and advisory services in one place. By looking at the bigger picture, we ensure nothing is overlooked and every decision supports your wider financial goals.
Most firms in the industry work in isolation, focusing on their own objectives rather than their clients’ needs. We take the opposite approach. By bringing together expertise across financial planning, tax structuring, inheritance tax mitigation, trusts and estate planning, property structuring, investment guidance, and corporate advisory, we deliver a holistic service that adapts to each client’s personal and business circumstances.
Whether you are looking to grow wealth, protect assets, or pass on your estate efficiently, our tailored advice ensures you make the most of opportunities while minimising risks.
Our clients turn to us because we are:
Transparent and Modern – Clear advice, straightforward fees, and no hidden surprises.
Focused on Results – On average, advised individuals are £40,000–£48,000 better off over a decade compared to those without advice
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Long-Term Partners – We don’t believe in short-term fixes. We’re here to support you and your family for the future.
Holistic and Discreet – From tax planning to corporate structuring, we cover every angle with complete confidentiality.
“I wanted to deliver premium service to clients but do things differently. Too often, financial services firms miss important client needs because they operate in silos. By combining multiple professions under one roof and keeping the client at the centre, we provide a higher level of service that looks after every aspect of their financial journey.”
— Andy Topping MSc, Chartered Wealth Manager
Change the Rules Limited is here to help you plan, protect, and preserve your wealth. Whether you need financial planning, inheritance tax advice, or corporate advisory support, our dedicated approach ensures you receive solutions that are designed around your life and ambitions.
We provide wealth management, financial planning, and tax planning services designed to help you build, protect, and transfer wealth efficiently.
📧 Email: info@changetherules.net
📞 Phone: 07724 323381
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