Business Details
29 Years
experience
Trusted Financial Planning & Estate Solutions in Cheltenham
Established in 1997, Neil Gayler & Co. specialises in Life-Centred Financial Planning and Estate Planning for private clients and business owners. Our approach prioritises strategic planning and cashflow modelling to align financial decisions with personal life goals, distinguishing us from traditional regulated financial advisers. We focus on understanding clients' aspirations through tailored questionnaires and scenario analysis, ensuring clarity on the achievability of their ambitions. Following the sale of our regulated advice arm in 2019, we collaborate with vetted partners to provide holistic solutions while maintaining independence from investment product sales.Our expertise extends to Later Life Planning, Care Fees Funding, and tax-efficient estate structuring, supported by over 25 years of industry experience. We operate on a fixed-fee basis, ensuring transparency and avoiding conflicts of interest inherent in commission-driven models. Our client-centric philosophy, evidenced by testimonials highlighting professionalism and stress reduction, underpins services like Wills, Powers of Attorney, and the innovative 'Making Life Simple' organisational service. Neil Gayler, founder and principal, combines financial acumen with mindfulness practices to deliver solutions that balance practicality and personal well-being.
Services
Strategic Planning
Cashflow Modelling
Estate Planning
Later Life Advice
Making Life Simple
Details
- Year established: 1997
Highlights and features
- We focus exclusively on non-regulated strategic planning, avoiding conflicts of interest from investment product sales.
- Our fixed-fee model ensures complete transparency with no hidden costs.
- We pioneered the 'Making Life Simple' service for clients needing financial organisation support.
- Neil Gayler brings over 34 years of financial advisory experience, including specialist knowledge in Later Life Care Fees Funding.
- We collaborate with vetted regulated advisers to provide seamless holistic solutions.
What people say
Competent and experienced professional
Excellent service
Highly recommended
Practical and relevant advice
Peace of mind
Services
Strategic Planning
Our Strategic Planning service helps clients map financial decisions to personal life goals through tailored questionnaires and scenario analysis. We explore future aspirations and current lifestyles to create actionable plans, ensuring clarity on the achievability of long-term objectives. This foundation guides subsequent cashflow modelling and estate planning.
Cashflow Modelling
Cashflow Modelling quantifies financial plans by analysing income, expenditure, and asset values. We create detailed projections for different life stages, enabling clients to test scenarios like early retirement or lifestyle changes. This data-driven approach ensures realistic budgeting and resource allocation aligned with personal aspirations.
Estate Planning
Estate Planning focuses on tax-efficient wealth transfer through Wills, Trusts, and Powers of Attorney. We collaborate with legal partners to draft documents that protect assets and ensure client wishes are honoured. Our expertise includes mitigating inheritance tax and simplifying complex estate structures.
Later Life Advice
Later Life Advice specialises in funding strategies for long-term care fees and age-related financial challenges. We provide tax-compliant solutions to preserve assets while addressing care needs, reducing family stress through proactive planning and regulatory compliance expertise.
Making Life Simple
Making Life Simple offers administrative support for clients overwhelmed by financial disorganisation. This service streamlines paperwork, establishes systems for ongoing management, and ensures accessibility for future needs. It particularly benefits those transitioning into retirement or managing complex personal affairs.
People
Neil Gayler
Principal
Neil Gayler founded the practice in 1997 after 13 years as a Company Representative. He transitioned to non-regulated financial planning in 2019, retaining specialist expertise in Later Life Care Fees Funding and tax planning. A qualified Reiki Master, he integrates mindfulness into client consultations.
Questions
What services do you offer that differ from traditional financial advisers?
We focus on non-regulated strategic planning and cashflow modelling rather than investment product sales, collaborating with regulated partners when needed.
How do you charge for your services?
All services are provided on a fixed-fee basis to ensure complete transparency with no hidden costs or commission-driven incentives.
Can you help with Wills and Powers of Attorney?
Yes, we assist with drafting Wills, Trusts, and Lasting Powers of Attorney through professional partnerships, ensuring legal compliance and tax efficiency.
What is 'Making Life Simple'?
'Making Life Simple' organises complex financial affairs for clients needing administrative support, particularly beneficial for those transitioning into retirement.
How do you approach Later Life Planning?
We specialise in Care Fees Funding strategies and tax-efficient estate structuring, drawing on 34 years of experience in age-related financial challenges.
Can you work with my existing financial advisers?
Yes, we often collaborate with regulated advisers by providing strategic frameworks that inform their investment and pension recommendations.
