1 | Helping your people thrive Helping your people thrive Financial wellbeing for employees
2 | Helping your people thrive
3 | Helping your people thrive A warm welcome Hopefully you’ll have heard about Amber River, through the fantastic team at Charles Cameron & Associates. They’ve been part of the Amber River Group since 2022. We’re a collection of highly-skilled Independent Financial Planners and technical experts, located around the UK, backed by a central team. We believe that a bespoke financial plan, created and managed to support someone through their life, leads to something better. Something richer. That’s why our purpose is ‘Enriching Lives’. We’d love to help you do more to enrich the lives of your employees, by adding financial planning guidance to the wellbeing services you offer them. This would be through informative group or 1:1 sessions, in person or online, designed to educate your people on the benefits of having a bespoke financial plan. We look forward to working with you. 3 | Helping your people thrive Mary-Anne McIntyre, CEO
4 | Helping your people thrive Financial guidance and support We know you value the wellbeing of your people. It’s fundamental to your success. It’s why we’ve created a dedicated service, that delivers meaningful financial guidance and 1:1 support to your workforce. We’ve developed this approach alongside our corporate clients, to understand what works best for them. We’ve overlayed our years of expertise in bespoke financial planning, and made adjustments to suit the needs and diversity of your people. From financial education, to navigating complex financial challenges, our service integrates seamlessly into your employee benefits programme. 73% of stressed employees say they’d be attracted to a different employer if they cared more about their financial wellbeing. PwC 2023 employee survey 4 | Helping your people thrive
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6 | Helping your people thrive How we can support your people At its heart, we believe a financial plan is about life, not necessarily about wealth. It’s about knowing you’re making the right decisions for yourself and your loved ones, and feeling able to live life on your terms, with the reassurance you’re prepared for whatever happens. To help your people understand if financial planning will benefit them, we can offer a range of services. Financial stress contributes to 4.2 million lost work days every year, costing UK employers £626 million in lost productivity. 1 in 4 UK adults have low financial resilience. Source: Centre of Economics & Business Research & The FCA
7 | Helping your people thrive 1-2-1 consultation call A telephone call with one of our experienced team, to find out more about the benefits of independent financial planning and how Amber River could help. Face to face surgeries An in person meeting with a member of our team to discuss their circumstances and how a financial plan could benefit them. Webinars and lunch & learn sessions Educational sessions on specific topics, including: • Tax and investments: making your money work as hard as you do • Your magic number: do you know when you can retire? • Family finances: wealth planning throughout every life stage • Navigating uncertainty: how resilient planning can bring financial clarity Round tables Exclusive events with one of our Independent Financial Planners, to discuss specific areas of wealth management. Suited to those with more complex financial planning needs. Your Amber River portal Your employees can access our services through your personalised portal. It’s easy to use and includes useful articles and insights.
8 | Helping your people thrive A bit more about us Amber River is a specialist financial planning business that brings together some of the UK’s finest independent financial planners, technical experts and investment professionals. Throughout the UK, our Independent Financial Planners work with individuals, families and business owners, to help them plan for a life well-lived. We call it Life Landscaping, and it’s a process that requires a trusted relationship, developed over time, between financial planner and client. It’s a relationship that can last decades and span generations. Our services include: Money goals Pension planning Retirement Leaving a legacy Peace of mind 8 | Helping your people thrive
9 | Helping your people thrive 31 locations nationwide 80,000 financial planning and mortgage clients 200 Independent Financial Planners, 43% of whom are Chartered £15bn Assets Under Management Correct as at June 2026 We’re UK-wide, and still growing
10 | Helping your people thrive What does a Financial Planner do? 1. Assesses the need Understands the individual’s circumstances, existing provision, short and long term goals and attitude to investment risk. 2. Creates a bespoke plan Develops a long-term financial strategy, focused on helping the individual to achieve their stated goals. 3. Gives investment advice Recommends suitable investment products and tax wrappers, portfolio construction and ongoing management.
11 | Helping your people thrive 4. Advises on pensions and retirement planning Helps people build and manage their pension and retirement plans to achieve the retirement they want. 5. Ensures tax efficiency Identifies ways to structure finances to legally reduce tax liabilities 6. Ongoing monitoring Reviews and adjusts the plan to reflect changes in the tax landscape, markets and personal circumstances. “I can take a step back, do something more enjoyable, more relaxing... safe in the knowledge my financial situation is taken care of.” Matt S, West Sussex
12 | Helping your people thrive Wish I’d done it sooner “It helped me to understand what I have, what I need and what I should be doing next. I only wish I’d had the conversation earlier.” Priya R, London 12 | Helping your people thrive A service built on trust Amber River combines the benefits of national scale and strength, with local, personalised expertise. It’s why we’re building a reputation for trusted, independent financial planning reflected in our testimonials and a very high Net Promoter Score. +74 Net Promoter Score 86 Chartered Financial Planners. Rated 4.9 out of 5 on Vouchedfor +74
13 | Helping your people thrive No pressure, just helpful advice “I wasn’t sure what to expect, but there was no pressure at all. It felt like a genuine conversation about my situation, and now I have a much clearer plan for the future.” James T, Leeds The Amber River Foundation Established in 2022, the Amber River Foundation aims to have a positive impact on people and planet. Leaving a legacy we can all be proud of. In 2026, we’re focusing our national fundraising and volunteering efforts on The Rivers Trust, a partner who shares our purpose of enriching lives. Our regional offices also work closely with local charities, supporting causes that directly impact the communities they live and work in. 13 | Helping your people thrive £1.1m donated between 2022 and 2025
14 | Helping your people thrive Amber River Head Office Floor 4, 90 High Holborn London WC1V 6LF Please speak to a representative from Charles Cameron and Associates to find out more or email us at amberriver@ccameron.co.uk Amber River Group Limited is a private limited company incorporated in England and Wales with company number 11942058 | Registered office: Level 4, Dashwood House, 69 Old Broad Street, London EC2M 1QS.