Business Details
22 Years
experience
Trusted Financial Advisers in Cirencester
Established in 2004, R T Financial Planners provides independent financial and investment advice tailored to private clients, trusts, and charities. Our team of highly qualified professionals delivers chartered financial planning services across the UK, with a strong local presence in Gloucestershire and the Cotswolds. We prioritise client needs through a research-driven approach to the entire market, ensuring bespoke solutions that evolve with changing circumstances. Our client-centric philosophy fosters long-term relationships built on trust, transparency, and mutual respect. With expertise in pensions, retirement planning, and tax-efficient investments, we combine decades of industry experience with advanced qualifications to address complex financial challenges.Our regulatory compliance and commitment to excellence are demonstrated through our association with the Financial Conduct Authority and Best Practice Group IFA Ltd. We maintain offices in Cirencester while offering advisory services nationwide through flexible consultation methods. Our operational structure ensures seamless implementation of financial strategies, supported by ongoing portfolio reviews and access to secure digital tools. We actively seek client feedback to continuously improve our services while maintaining adherence to ethical standards and professional accountability.
Services
Financial Planning
Retirement Planning
Investment Advice
Inheritance Tax Planning
Protection Planning
Estate Planning
Annual Portfolio Reviews
Details
- Year established: 2004
Highlights and features
- We provide fully independent advice based on whole-of-market research
- Our team includes Chartered Financial Planners with over 20 years' experience
- We develop long-term partnerships through tailored financial solutions
- We maintain regulatory compliance through FCA authorisation
- We offer nationwide coverage with local expertise in the Cotswolds region
Associations and certifications
- Financial Conduct Authority
- Best Practice Group IFA Ltd
Services
Financial Planning
Our comprehensive financial planning service evaluates your complete financial situation to create tailored strategies for wealth growth and security. We analyse income, assets, liabilities, and long-term goals to develop actionable plans that adapt to life changes. With expertise in market-wide research and regulatory compliance, we help clients achieve financial objectives while minimising tax liabilities and investment risks.
Retirement Planning
Specialised retirement planning services focus on optimising pension arrangements and creating sustainable income streams. We assess current pension provisions, model various retirement scenarios, and implement strategies to maximise income while complying with evolving tax regulations. Our approach considers healthcare needs, inheritance goals, and lifestyle aspirations to ensure financial security throughout retirement.
Investment Planning
Investment planning services combine market analysis with personal risk profiling to create diversified portfolios. We monitor economic trends and regulatory changes to optimise investment performance while aligning with individual financial goals. Our team provides ongoing portfolio reviews and rebalancing services to maintain optimal asset allocation and capitalise on emerging opportunities in domestic and international markets.
Inheritance Tax Planning
Specialist inheritance tax planning services help preserve wealth for future generations through legal tax mitigation strategies. We evaluate estate composition, recommend trust structures, and implement tax-efficient investment solutions. Our approach balances immediate financial needs with long-term legacy goals while ensuring compliance with HMRC regulations and maintaining liquidity for ongoing requirements.
Protection Planning
Comprehensive protection planning assesses insurance needs to safeguard against financial risks from illness, disability, or premature death. We evaluate existing coverage, recommend appropriate policy types and amounts, and implement solutions that protect family finances and business interests. Our service includes regular reviews to ensure coverage remains adequate as circumstances change.
People
Jackie Greenwood
Director
Chartered Financial Planner with over 20 years' experience in pensions and tax planning. Former Prudential and NatWest adviser, now leading regulatory compliance and business strategy at R T Financial Planners.
Simon Fell
Operations Director
CISI Chartered Member specialising in investment management. Brings nearly two decades of financial services experience to oversee business operations and client outcomes since joining in 2017.
James Highett
Director & Financial Adviser
Qualified adviser with 11 years' industry experience. Former accountant providing holistic financial planning solutions, specialising in creating sustainable long-term investment strategies for private clients.
Harrison Angove
Financial Adviser
Qualified adviser since 2020 with expertise in pensions and protection planning. Joined R T Financial Planners after completing Level 4 diploma while working in administration roles since 2018.
Melanie Stones
Administration
Senior administrator with over 15 years' experience supporting advisers. Manages client portfolios, valuations, and training while providing direct support to directors and financial planners.
Questions
What areas do you cover?
We operate from Cirencester with clients across Gloucestershire, the Cotswolds, Wiltshire, and nationwide through virtual consultations.
Are you regulated by the FCA?
Yes, we're an appointed representative of Best Practice Group IFA Ltd, authorised and regulated by the Financial Conduct Authority.
How do you charge for services?
Our fee structures are explained during initial consultations, with transparent pricing tailored to the complexity of your financial needs.
What investment options do you offer?
We provide access to the whole market, selecting from diverse investment products to create portfolios aligned with your risk profile and goals.
How often are reviews conducted?
We offer remote annual reviews, face-to-face annual meetings, or tailored review frequencies depending on your service level preference.
Can you help with pension transfers?
Yes, our specialists assess pension arrangements and advise on transfers when appropriate, considering tax implications and long-term objectives.
