Business Details
Your Trusted Financial Advisers in Ribchester
Established as independent financial advisers, we specialise in delivering tailored financial solutions across the UK market. Our team combines over 70 years of collective experience to provide impartial advice on mortgages, pensions, protection, and investment strategies. With a commitment to transparency and integrity, we prioritise client needs through complimentary initial consultations and a focus on long-term relationships. Headquartered in Ribchester and serving the North West and South Lakes regions, our advisers are dedicated to helping clients navigate complex financial decisions.We maintain rigorous professional standards, evidenced by our team's qualifications including DipPFS, CertPFS, and CeMAP accreditations. Our approach combines market-wide research with personalised service, ensuring clients receive solutions aligned with their unique circumstances. Regular client reviews and ongoing support form the cornerstone of our service model, reflecting our belief in financial planning as an evolving process. With a client retention rate built on trust and referrals, we continue to grow while maintaining our founding principles of honesty and client-centric advice.
Services
Mortgages
Pensions
Protection
Insurance
Tax Planning
Savings & Investments
Highlights and features
- We offer over 70 years combined experience in financial services
- Our team holds professional qualifications including DipPFS and CeMAP
- We provide impartial advice from the whole of the market
- We conduct complimentary initial consultations with no obligation
- We maintain transparent fee structures and ongoing client support
Services
Mortgages
We specialise in mortgage advisory services covering first-time purchases, remortgaging, and property investments. Our fully qualified advisers conduct comprehensive market research to identify competitive rates tailored to individual circumstances. With access to products from the entire UK market, we provide ongoing support from initial consultation through to completion, ensuring clients understand all financial implications and eligibility criteria.
Pensions
Our pension advisory service focuses on long-term retirement planning through state, workplace, and personal pension schemes. We help clients optimise contributions, navigate tax efficiencies, and select appropriate investment vehicles. With over 70 years combined experience, we provide clear guidance on pension consolidation, drawdown options, and inheritance tax planning to maximise retirement income.
Protection
We offer tailored protection solutions including life cover, critical illness insurance, and income protection policies. Our advisers assess individual needs to recommend appropriate coverage levels against unforeseen events. We specialise in mortgage payment protection and whole-of-life policies, ensuring clients maintain financial security while understanding policy terms and exclusions.
Savings & Investments
Our investment services cover ISAs, bonds, and SIPPs for short and long-term financial goals. We provide guidance on risk profiling, portfolio diversification, and tax-efficient savings strategies. From cash ISAs to stock market investments, we help clients balance growth potential with capital preservation according to their financial objectives and risk tolerance.
Tax Planning
We specialise in intergenerational tax planning to minimise inheritance tax liabilities while preserving wealth. Our strategies include pension contributions, trust structures, and lifetime gifting strategies. We work closely with legal professionals to ensure estate plans align with clients' wishes while maximising tax efficiencies for beneficiaries.
People
Eden Whittaker
Managing Director
With qualifications including DipPFS and CeMAP, Eden has over 30 years' experience in financial services. He leads our advisory team with a commitment to ethical standards and client-focused solutions.
Michelle Whittaker
Company Secretary
Holding a PhD and BSc (Hons), Michelle ensures operational compliance and supports strategic decision-making while maintaining the company's administrative framework.
Debbie Helm
IFA Assistant
Qualified as a Mortgage Adviser since 2004, Debbie provides technical support and client assistance, leveraging her CeMAP accreditation to enhance service delivery.
Questions
What areas do you cover for financial advice?
We serve clients across the North West and South Lakes regions, including Blackburn, Darwen, Accrington, Burnley, Preston, and Lancaster.
Are your mortgage advisers qualified?
Yes, all our mortgage advisers hold professional qualifications including CeMAP and have access to the entire UK mortgage market.
How do you charge for financial advice?
We provide complimentary initial consultations. Our fees are transparent and discussed upfront during your first meeting with no obligation.
Can you help with pension transfers?
Yes, our pension specialists can assess existing pensions and advise on consolidation or transfer options to optimise retirement outcomes.
Do you offer protection insurance?
We provide comprehensive protection solutions including life cover, critical illness insurance, and income protection tailored to individual needs.
