A brief history

Candid Financial Advice was born out of old colleagues, Justin Modray and Ian Millward, meeting for a dog walk and a chat in 2012.

Both had long, high profile careers in financial services but suffered from an overdeveloped sense of wanting to do the right thing! Justin had been a fixture in the financial press throughout the 1990s and noughties before establishing Candid Money website in 2009. Candid Money was something of a thorn in the side of the rest of the industry, providing free information to DIY investors, debunking jargon and calling out poor practice.

Ian had similarly been a prominent commentator in the 1990s before acting at director level with national advice firms. They launched Candid Financial Advice in 2013, working out of a shoe box sized office and spare bedroom respectively.

The business has been profitable from day one, thanks to attracting a steady flow of clients and keeping overheads low. Our focus on cost and culture means the business has flourished by recruiting high calibre, salaried graduates and now operates from a modern business park in Bath.