Aligning Your Wealth With Your Values
GPOD Wealth provides comprehensive Shariah-compliant financial solutions that honor your principles while building your future.
Our ethical approach ensures every investment, savings plan, and protection strategy reflects your faith values without compromising on returns or quality.
🧭 Begin Your Ethical Wealth Journey
About GPOD Wealth
At GPOD Wealth, we believe financial services should do more than grow money—they should reflect your values and contribute to a better world. Our mission is to provide ethical financial solutions that empower individuals and institutions to achieve their goals without compromising their principles.
Founded on the principles of transparency, fairness, and social responsibility, we offer a comprehensive suite of Shariah-compliant financial services designed for Muslims and ethical investors alike.
Ethics-First Approach
Shariah Expertise
Innovative Solutions
Client-Centered
Why Choose GPOD Wealth?
Our approach to ethical financial management sets us apart from conventional providers and even other Islamic finance offerings.
Independent & Unbiased
Unlike many financial advisors, we're not tied to specific providers or products. This means we can truly recommend what's best for you, not what pays us the highest commission.
Deep Ethical Expertise
With scholars on our advisory board and specialized training in Islamic finance, we understand Shariah compliance at a deeper level than generalist advisors who offer "Islamic options."
Holistic Approach
We start with your life goals, values, and principles—not product sales. Our lifestyle planning approach ensures every recommendation fits your whole picture, not just your portfolio.
Technological Edge
Our proprietary ethical screening technology and client portal give you insights and access that other advisors simply can't match, with real-time monitoring of your investments.
"GPOD Wealth isn't just another Islamic finance option—it's a comprehensive transformation of how financial services should work for those who value ethics and principles."
🧠 Why Lifestyle Planning Matters
Most advisers jump into products. We start with purpose. GPOD Wealth begins with deep lifestyle mapping — understanding who you are, what you value, and how you want to live. We map income, habits, life milestones and family responsibilities. Then we match the right halal strategies to your world.
👣 Designed Around You
From your child's education to Hajj, from home purchase to retirement, every detail is built into your financial blueprint. Our holistic tools guide you with care, clarity and purpose.
Discovery
Goal Setting
Strategy Development
Ongoing Support
🏛️ Our 5 Pillars of Ethical Wealth
Ethical Investments
Real-world assets screened for halal compliance: no riba, no gambling, no speculation.
Profit-Sharing Savings
Fixed-return or mutual models. No interest. No risk to principle.
Takaful & Protection
Plans that cover what matters most using pooled, ethical contributions.
Islamic Home Finance
Ijara, Murabaha, Musharaka options for ethical property ownership.
Legacy & Wills
Islamic estate planning with compassion, speed and Shariah alignment.
💼 Property SIPP: Ethical Pension Investment
What is a Property SIPP?
A Self-Invested Personal Pension (SIPP) gives you control over your retirement savings with tax advantages. The GPOD Property SIPP combines these tax benefits with ethical, Shariah-compliant property investments.
For Individuals
- Control over your pension investments
- Up to 45% tax relief on contributions
- Tax-free growth within the pension
- 25% tax-free lump sum at retirement
For Institutions
- Collective property ownership
- Purchase institution buildings (schools, etc.)
- Staff retention through shared assets
- Ethical property development opportunities
How It Works
Setup SIPP
Contribute Funds
Invest in Property
Generate Returns
Retire with Benefits
SIPP Tax Relief Calculator
See how much tax relief you could receive on your pension contributions.
💰 EWA Investment: Ethical Returns
Earned Wage Access Investment
GPOD's Earned Wage Access (EWA) investment opportunity offers a unique ethical alternative to traditional investments, providing strong returns while helping eliminate predatory lending and financial stress for workers.
Key Benefits
8-15% Returns
No Interest
Social Impact
Transparent
How It Works
Invest in EWA Fund
Workers Access Wages
Small Fees Generate Returns
Profit Distribution
EWA Investment Calculator
Estimate returns and social impact from investing in GPOD's Earned Wage Access fund.
Our Services In Detail
📈 Ethical Investments
Our ethical investment solutions provide opportunities for financial growth without compromising your values. Every investment option is carefully screened to ensure compliance with Islamic principles and ethical standards.
Property SIPPs
- Self-Invested Personal Pensions focused on ethical property
- Institutional options for schools and organizations
- Tax-efficient retirement planning
- Real asset ownership with Shariah compliance
- Minimum investment: £5,000 initial contribution
- Expected returns: 5-7% annual growth (property-based)
- Partners: Barnett Waddingham, Minerva SIPP
Gas Well Fixed Returns
- 6-8% annual returns through property-backed contracts
- 2-5 year terms with quarterly profit distribution
- No interest or conventional debt instruments
- Fully Shariah-compliant structure
- Minimum investment: £5,000
- Product options: GPOD Gas Well Fund I, II, and III
- Partners: Amber Energy, GPOD Gas Well Fixed Return
EWA Investment
- 8-15% returns from ethical Earned Wage Access
- Contributes to financial inclusion and dignity
- Transparent fee-based structure (not interest)
- Social impact metrics and reporting
- Minimum investment: £1,000 (Standard), £10,000 (Premium)
- Investment tiers: Standard (8-10%), Enhanced (10-12%), Premium (12-15%)
- Term options: 1, 3, or 5 years
Ethical Equity Funds
- Diversified portfolios of Shariah-compliant stocks
- Rigorous ethical screening methodology
- Regular purification of impermissible income
- Competitive market-linked returns
- Minimum investment: £2,500
- Products: GPOD Global Ethical Equity, UK Ethical Growth
- Partners: HSBC Amanah, Wahed Invest, SEDCO Capital
Our Investment Screening Process
Every investment opportunity undergoes our rigorous 5-step screening process to ensure ethical compliance:
- Business Activity Screening (no alcohol, gambling, tobacco, etc.)
- Financial Ratio Analysis (debt, interest income, etc.)
- Environmental Impact Assessment
- Social Responsibility Evaluation
- Governance Structure Review
💰 Profit-Sharing Savings
Our profit-sharing savings solutions offer ethical alternatives to conventional interest-based accounts. These options allow you to grow your savings while adhering to Islamic financial principles.
Fixed-Term Ethical Plans
- 2-year (4-5%), 5-year (5-7%), and 10-year (7-9%) options
- Based on profit-sharing principles, not interest
- Capital protection with ethical deployment
- Quarterly profit distribution available
- Minimum deposit: £1,000
- Products: GPOD Ethical Growth Savings, Platinum Savings Plan
- Partners: Al Rayan Bank, Gatehouse Bank
Digital Gold Savings
- Physical gold-backed savings with real ownership
- Protection against currency devaluation
- Fully allocated and segregated holdings
- Compliant with Shariah gold standards
- Minimum purchase: £500
- Products: GPOD GoldSafe, Physical Gold Savings
- Partners: Royal Mint, GoldCore
Youth Savings Programs
- Ethical savings accounts for children
- Educational resources on Islamic finance
- Goal-based savings with visual tracking
- Parental controls and monitoring
- Minimum opening amount: £100
- Products: Young Saver Account, Education Fund
- Expected returns: 2-3% profit rate
Social Impact Savings
- Your savings support housing or education projects
- Transparent reporting on social outcomes
- Competitive profit rates (3-5%)
- Option to donate portion of returns
- Minimum deposit: £500
- Products: Community Impact Savings, Ethical Growth Fund
- Causes supported: Affordable housing, education, healthcare
How Our Savings Are Different
Unlike conventional banks that generate returns through interest-based lending, our savings accounts are backed by:
- Real asset investments (property, commodities, ethical businesses)
- Profit-and-loss sharing arrangements
- Trade-based financing structures
- Leasing (Ijara) and cost-plus financing (Murabaha)
🛡️ Takaful & Protection
Our protection plans are based on the Islamic concept of mutual cooperation (Takaful), providing ethical alternatives to conventional insurance. These plans protect what matters most without compromising your values.
Family Protection
- Similar to life insurance but structured as mutual aid
- Coverage from £25,000 to £500,000
- No interest or gambling elements
- Surplus distributed to participants or charity
- Monthly contribution: From £10/month
- Products: Family Takaful Plan, Shariah-Compliant Life Cover
- Providers: Salaam Takaful, Takaful Emarat
Income Protection
- Ethical coverage for illness or disability
- Up to 70% of your income protected
- Shariah-compliant structure
- Options for short or long-term coverage
- Monthly contribution: From £15/month
- Waiting periods: 1, 3, 6, or 12 months
- Term options: 5, 10, 15, 20 years, or to retirement
Community Circle Protection
- Based on traditional death committee models
- Community-based mutual protection
- Guaranteed payouts to beneficiaries
- Transparent contributions and distributions
- Monthly contribution: From £5/month
- Payout amounts: £10,000 - £50,000
- Community size: 100-500 members per circle
Health Emergency Fund
- Collective contribution for medical emergencies
- Coverage for hospital stays and treatments
- No interest-based elements
- Affordable monthly contributions
- Monthly contribution: From £20/month
- Annual limit: Up to £50,000
- Providers: Salaam Takaful, Vitality Health
How Takaful Works
Takaful is based on the Islamic concept of mutual cooperation (ta'awun) and donation (tabarru). Here's how it differs from conventional insurance:
Conventional Insurance:
- Risk is transferred to insurer
- Based on interest and uncertainty
- Profit-driven for shareholders
Takaful Protection:
- Risk is shared among participants
- Based on mutual cooperation
- Surplus returned to participants
🏠 Islamic Home Finance
Our Islamic home finance solutions offer ethical alternatives to conventional interest-based mortgages, allowing you to purchase property while adhering to Shariah principles.
Murabaha Home Purchase
- Cost-plus financing structure without interest
- Fixed price known from day one
- Terms from 5 to 30 years
- Minimum 20% deposit typically required
- Profit rates: From 3.99%
- Property types: Residential, BTL, Commercial
- Providers: Al Rayan Bank, Gatehouse Bank, UBL UK
Diminishing Musharaka
- Co-ownership model with gradual buyout
- You pay rent only on the bank's share
- Gradually increase your ownership
- Flexible payment options
- Minimum deposit: 20-25%
- Term options: 5-35 years
- Providers: Primary Finance, HSBC Amanah
Ijara Home Finance
- Lease-to-own arrangement
- Fixed or variable rental payments
- Ownership transfers at end of term
- Suitable for various property types
- Minimum deposit: 20-30%
- Rental rates: From 3.75%
- Providers: Ahli United Bank, Al Rayan Bank
Buy-to-Let Islamic Finance
- Ethical investment property financing
- Available for personal or company purchases
- 25-35% deposit typically required
- Compliant rental income structure
- Property value: £75,000 minimum
- Rental coverage: 125-145% required
- Providers: Gatehouse Bank, Al Rayan Bank
Working With All Islamic Providers
As an independent advisor, we work with all major UK Islamic home finance providers:
📜 Legacy & Wills
Our Islamic will writing and estate planning services ensure your assets are distributed according to Shariah principles, providing peace of mind for you and your family.
Islamic Will Writing
- Shariah-compliant distribution rules
- Legally valid within UK law
- Clear documentation for executors
- Optional guidance on Islamic inheritance shares
- Service options: Basic (£150), Standard (£295), Premium (£495)
- Completion time: 5-10 working days
- Partners: Islamic Wills UK, Farooq & Co Solicitors
Family Trust Setup
- Protect assets for future generations
- Ethical trust structures compliant with Shariah
- Minimize inheritance tax legally
- Flexible arrangements for family needs
- Service fee: From £750
- Trust types: Bare Trust, Discretionary Trust, Family Investment Trust
- Annual administration: From £350/year
Power of Attorney
- Shariah-compliant lasting power of attorney
- Ensure financial decisions respect Islamic principles
- Clear guidance for attorneys
- Both health & welfare and property & financial affairs
- Service fee: From £350
- Registration: Official registration with Office of the Public Guardian
- Turnaround time: 8-10 weeks (incl. registration)
Estate Planning
- Comprehensive planning for asset distribution
- Balance Shariah requirements with UK legal framework
- Strategies for business succession
- Charitable giving (Waqf) arrangements
- Service fee: From £495
- Packages: Essential, Comprehensive, and Business
- Includes: Digital vault for important documents
Why Islamic Will Writing Is Essential
Without a valid Islamic will, your assets may be distributed according to UK intestacy laws, which do not follow Shariah principles. This can lead to:
- Non-Muslim relatives inheriting contrary to Islamic guidance
- Incorrect proportions going to heirs
- Exclusion of certain family members who should receive shares
- Complex and costly legal proceedings for your family
🔧 Tools That Build Trust
We use the UK's leading financial tools to give you clarity, not confusion. Our technological solutions ensure every recommendation is evidence-based, fully transparent, and tailored to your unique needs.
Dynamic Planner
Industry gold-standard for risk profiling and suitability reporting.
Benefit: Precise risk matching ensures investments align with your comfort level.
Defaqto
Product comparison tools with ethical filters to ensure only aligned options reach you.
Benefit: Compare features across the entire market to find the best ethical solutions.
Pulse360
AI-enhanced meeting notes, action planning and review workflows.
Benefit: Nothing gets missed, with clear action steps after every consultation.
CashCalc
Client-friendly calculators, income mapping, budgeting and tax projection.
Benefit: Visualize your financial future with accurate, easy-to-understand projections.
MoneyInfo
Secure client portal with 24/7 access to your financial information and documents.
Benefit: Access all your financial information in one secure location from any device.
Islamic Investment Screener
Proprietary screening technology ensuring all investments meet Shariah standards.
Benefit: Confidence that your portfolio adheres to Islamic financial principles.
Technology Integration Benefits
For Clients
- Mobile app access to all financial information
- Real-time portfolio monitoring and valuation
- Secure document storage and sharing
- Interactive financial planning tools
- Automated zakat calculation and reporting
For Advisors
- Comprehensive client data in one system
- Automated compliance and reporting
- Ethical screening tools for investment research
- Integrated Islamic financial planning models
- Client engagement and review tracking
Frequently Asked Questions
Islamic finance differs from conventional finance in several key ways:
- Prohibition of interest (riba) in all forms
- Avoidance of excessive uncertainty (gharar) and gambling (maysir)
- Asset-backed transactions with tangible underlying assets
- Profit-and-loss sharing principles instead of fixed returns
- Ethical screening to avoid prohibited industries (alcohol, gambling, etc.)
At GPOD Wealth, all our products and services are structured to comply with these principles while delivering competitive financial returns.
We ensure Shariah compliance through multiple layers of verification:
- Independent Shariah advisory board review of all products and services
- Regular audits by qualified Shariah scholars
- Rigorous screening of all investments using our proprietary technology
- Documentation review to ensure contracts meet Islamic standards
- Continuous monitoring of portfolio companies for ongoing compliance
We also work only with providers and products that have their own Shariah certification, providing an additional layer of compliance assurance.
Property SIPPs offer significant tax advantages:
- Income tax relief on contributions (up to 45% for additional rate taxpayers)
- Tax-free growth of investments within the pension wrapper
- No capital gains tax on property value increases
- No income tax on rental income generated within the SIPP
- 25% tax-free lump sum available from age 55 (57 from 2028)
- Potential inheritance tax benefits for beneficiaries
Our SIPP calculator can help you understand the specific tax benefits based on your income and contribution levels.
EWA (Earned Wage Access) investment works by financing the early payment of wages to workers who have already earned them but haven't yet reached their regular payday. Here's why it's ethical:
- Returns come from fixed service fees, not interest charges
- Workers access their own earned money, not loans
- Provides an ethical alternative to predatory payday loans
- Transparent fee structure with no hidden charges
- Helps reduce financial stress and improves financial wellbeing
The model has been reviewed and approved by Shariah scholars as compliant with Islamic financial principles since it involves service fees rather than interest.
Minimum investment amounts vary by product:
- Ethical Investment Funds: From £2,500
- Property SIPP: From £5,000 (initial contribution)
- EWA Investment: From £1,000 (Standard tier)
- Gas Well Fixed Returns: From £5,000
- Profit-Sharing Savings: From £500-£1,000 depending on product
- Youth Savings Accounts: From £100
We're committed to making ethical finance accessible, so we also offer regular contribution options starting from just £100 per month for certain products.
Getting started with GPOD Wealth is simple:
- Book a free discovery call using our online calendar or contact form
- Complete our lifestyle planning questionnaire before your appointment
- Attend your initial consultation (in-person, video, or phone)
- Receive a personalized recommendation report
- Decide which solutions are right for you
- Complete the necessary paperwork (mostly digital)
- Access your secure client portal to track your financial progress
The entire process typically takes 2-3 weeks from initial contact to implementation, though some solutions can be set up more quickly if needed.
👥 What Our Clients Say
Ahmad Khan
Headmaster, Al-Hikmah Academy
Fatima Hussain
Charity Director, Bradford
Yusuf Rahman
Treasurer, East London Mosque
🚀 Book Your Free Discovery Call
Let's explore how your lifestyle goals, faith and financial future can work together seamlessly.