Business Details
35 Years
experience
Chartered Financial Planners in Thornbury
Established in 1991, we are a Chartered and Independent Financial Planning firm based in Thornbury, near Bristol. Our expertise lies in delivering tailored financial advice to business owners, senior executives, and individuals approaching retirement. With decades of combined experience, we prioritise client needs through bespoke strategies that align with personal and professional aspirations. Our Chartered status reflects our commitment to industry excellence, while our Independent status ensures unbiased recommendations from the entire market. Recognised through awards such as Citywires New Model Adviser's Top 100 Advice Firms, we combine technical proficiency with a personable approach.Our team works with a limited client base to maintain high service standards, evidenced by 100% client satisfaction in referrals and goal achievement. We actively engage with local communities and support youth development through employment opportunities. Regulated by the Financial Conduct Authority, we uphold transparency in fees and processes, ensuring clients receive value-driven advice that empowers informed financial decisions.
Services
Financial Planning
Mortgage Advice
Retirement Planning
Tax Planning
Investment Management
Estate Planning
Business Succession Planning
Second Opinion Service
Wealth Management
Pension Reviews
Details
- Year established: 1991
Highlights and features
- We are Chartered Financial Planners with industry-recognised expertise
- Our Independent status ensures unbiased, market-wide recommendations
- Fair and transparent fee structure with value-driven service
- Award-winning firm (Top 100 Advice Firms by Citywires New Model Adviser)
- Specialist focus on business owners, executives, and pre-retirees
Associations and certifications
- Chartered Insurance Institute
- Financial Conduct Authority
What people say
Excellent service
Clear explanations
Tailored advice
Professional and courteous
Helped achieve goals
Services
Financial Planning
We create comprehensive financial plans tailored to individual life goals, integrating retirement strategies, tax efficiency, and investment management. Our approach prioritises long-term wealth growth while maintaining liquidity for immediate needs. Clients benefit from regular reviews to adapt to changing circumstances, ensuring sustained financial security.
Retirement Planning
Specialised retirement planning services help clients achieve their desired lifestyle post-employment. We optimise pension arrangements, manage tax implications, and develop sustainable income strategies. Our expertise includes phased retirement solutions and intergenerational wealth transfer planning to preserve family legacies.
Tax Planning
Our tax planning services identify legitimate opportunities to reduce tax liabilities through strategic use of allowances, reliefs, and investment vehicles. We specialise in inheritance tax mitigation, corporate tax optimisation, and cross-border tax considerations for complex financial situations.
Investment Management
We develop diversified investment portfolios aligned with risk tolerance and financial objectives. Our approach combines active monitoring with periodic rebalancing to maintain optimal asset allocation. Clients receive transparent reporting and access to regular performance reviews with actionable recommendations.
Second Opinion Service
This fixed-fee service provides independent assessment of existing investment portfolios and financial strategies. We identify potential improvements, clarify complex arrangements, and offer actionable recommendations to enhance financial outcomes while maintaining clear communication throughout the review process.
People
James Marchant
Director & Financial Planner
With extensive experience in financial services, James specialises in creating tailored wealth management solutions. He focuses on simplifying complex financial concepts for clients while maintaining rigorous compliance standards. His approach prioritises long-term client relationships built on trust and transparency.
Mark Hibbitt
Director & Chartered Financial Planner
Mark combines Chartered expertise with practical financial planning experience. He specialises in helping business owners navigate complex financial decisions, focusing on tax-efficient strategies and succession planning. His client-centred approach ensures clear communication of technical concepts.
Heidi Dann
Practice Manager
Heidi oversees operational excellence in client service delivery. With years of industry experience, she ensures seamless coordination between clients and financial planners. Her focus on process efficiency maintains high service standards while supporting team development and client satisfaction.
Lucinda Gilbert
Senior Client Administrator
Lucinda provides critical support to financial planners and clients. Her attention to detail ensures accurate documentation and timely communication. With extensive experience in client administration, she plays a key role in maintaining the firm's high service standards through organisational excellence.
Questions
What qualifications do your financial planners hold?
All our directors are Chartered Financial Planners with membership in the Chartered Insurance Institute, ensuring adherence to the highest professional standards.
How do you ensure advice remains independent?
As an Independent Financial Adviser, we have no product provider ties, allowing unbiased recommendations solely based on client needs and market suitability.
What fees structure do you use?
We operate transparent fixed fees for specific services like our Second Opinion Review, with detailed breakdowns provided before commencing any work.
Do you work with clients outside the local area?
While based in Thornbury, we serve clients throughout the UK using secure digital communication tools for remote consultations and document management.
How often are financial plans reviewed?
We recommend annual reviews but provide ongoing support for any mid-year adjustments needed due to changing personal circumstances or market conditions.
What happens if I have a complaint?
We have a formal complaints process managed by our complaints manager, with escalation options to the Financial Ombudsman Service for unresolved issues.
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