About us
At New Town Money, wealth management is about more than investments alone. It is about providing tailored advice built on experience, trust, and long-term relationships.
As an independent firm, our advice is entirely impartial – neutral in its approach to investments and always mindful of cost-effectiveness. This independence allows us to focus solely on what is right for each client, both now and in the future.
Malcolm Cuthbert
I have been a regulated wealth manager since 1994, working in both client-facing and senior management roles. Most notably, I was a partner at the stockbroking firm Killik & Co. Alongside my advisory work, I have also acted as a media commentator within the financial planning sector, including contributing to BBC programmes.
What I have discovered over the course of my career is that the most rewarding part of wealth management is building lasting relationships with clients and their families over many years. I take pride in being approachable, open, and available to talk through plans in detail – often developing comprehensive cashflow forecasts to help clients make confident, informed decisions about their future.
At New Town Money, wealth management is about more than investments alone. It is about providing tailored advice built on experience, trust, and long-term relationships.
Why Cold Therapy?
This is the space to introduce visitors to the business or brand. Briefly explain who's behind it, what it does and what makes it unique. Share its core values and what this site has to offer.
Health Benefits
This is the space to introduce visitors to the business or brand. Briefly explain who's behind it, what it does and what makes it unique. Share its core values and what this site has to offer.
My Experience
This is the space to introduce visitors to the business or brand. Briefly explain who's behind it, what it does and what makes it unique. Share its core values and what this site has to offer.
About
Estate Planning
With inheritance tax charged at a standard rate of 40 percent, it is sensible to explore all available options to mitigate its impact.
Thoughtful estate planning can help preserve wealth for future generations while ensuring assets are passed on in line with personal wishes.
Protection
Often overlooked, protection planning is vital.
Ensuring that loved ones and businesses are adequately protected against unexpected events provides peace of mind and forms a fundamental part of a robust financial plan.
Retirement Planning
Over the past 30 years, pension rules have changed many times.
Despite this, pensions remain one of the most tax-efficient ways to provide income in retirement for many individuals. Careful guidance is essential to ensure retirement plans remain appropriate, flexible, and aligned with long-term goals.
Investments
Successful investing is not just about selecting the right funds or shares.
It is also about structuring investments efficiently, making full use of available tax wrappers for clients and their families. A considered, tax-aware approach helps maximise returns while managing risk appropriately.
Financial Planning
Effective financial planning is about creating clarity and confidence, even as rules, markets, and personal circumstances change. At New Town Money, we provide thoughtful, long-term planning tailored to each client’s needs.
Testimonials
“Malcolm has provided clear, thoughtful advice over many years, always taking the time to understand my circumstances and long-term goals. His approach is reassuringly independent and practical, and I value the confidence that comes from knowing my finances are being carefully and professionally managed.”
Anneli Howard
“Working with Malcolm has made a significant difference to how I think about financial planning. He explains complex issues in a straightforward way and focuses on what really matters, both now and for the future. His experience and integrity give me complete trust in the advice he provides.”
Anya L.
Frequently asked questions
Frequently asked questions
Contact Us
We welcome the opportunity to speak with you. Whether you have a specific question or would simply like an initial conversation, please complete the form below and we will be in touch.
Contact Details
Telephone: 07930 357728
Email: malcolm@newtownmoney.com