Business Details
29 Years
experience
Trusted Financial Advisers in Borehamwood
Established in 1997, The Orchard Practice is a family-owned financial planning firm based in Elstree & Borehamwood. Our team of qualified professionals specialises in tailored financial solutions for individuals and businesses, covering mortgages, investments, retirement planning, and protection services. With over 25 years of experience, we combine deep industry expertise with a client-centric approach, treating every client as a valued partner. Recognised through multiple industry awards, including Moneyfacts and Personal Finance Society accolades, we maintain gold-standard accreditations and a 93% client recommendation rate.Our commitment to transparency, ethical advice, and long-term relationships has fostered enduring client partnerships, with many relationships spanning decades. Regulated by the Financial Conduct Authority, we prioritise continuous innovation while preserving the personal touch that defines our family-firm ethos.
Services
Financial Planning
Mortgage Advice
Investment Management
Retirement Planning
Protection Services
Estate Planning
Pension Solutions
Equity Release
Business Protection
Tax Planning
Details
- Year established: 1997
Highlights and features
- Multi-award-winning firm with 25+ years of industry experience
- Gold-standard accreditations and FCA regulation for compliance assurance
- 93% of financial planning clients recommend us to others
- Personalised service combining technical expertise with genuine care
- VouchedFor Top-Rated Adviser status for three consecutive years
What people say
Fantastic financial planners
Reliable and trustworthy
First class service
Professional and helpful
Exceptional service provided
Services
Financial Planning
We create tailored financial strategies aligned with personal goals, covering cash flow management, tax efficiency, and long-term wealth preservation. Our holistic approach considers your unique circumstances, risk profile, and aspirations. Clients benefit from ongoing support and regular reviews to adapt to changing life circumstances.
Mortgage Advice
Specialising in residential and commercial mortgages, we offer expert guidance on first-time purchases, remortgaging, and buy-to-let investments. Our FCA-regulated advisors compare market options to secure competitive rates. We explain complex products clearly, ensuring informed decisions without jargon.
Investment Management
We develop diversified investment portfolios aligned with risk tolerance and financial objectives. Services include ISAs, offshore bonds, and venture capital trusts. Regular performance reviews and market analysis ensure optimal growth. Clients receive transparent reporting and education about their investments.
Retirement Planning
Our specialists design retirement strategies maximising pension pots while minimising tax liabilities. We offer annuity reviews, drawdown options, and state pension optimisation. Comprehensive cashflow modelling ensures sustainable income throughout retirement, with adjustments for inflation and longevity.
Protection Services
We provide life insurance, critical illness cover, and income protection tailored to family needs. Our protection advisors assess coverage requirements and policy structures. We simplify claims processes and review policies annually to maintain relevance with changing circumstances.
People
Joshua Grankin
Financial Planner
With over 20 years' experience, Joshua specialises in holistic financial planning. He focuses on simplifying complex concepts for clients, ensuring clear understanding of investment strategies and retirement options. His approach prioritises long-term relationships built on trust.
Stephanie Gerstler
Protection Manager
Stephanie leads our protection services, helping clients secure life and health insurance solutions. She has 15 years' expertise in assessing coverage needs and navigating insurance claims. Clients praise her empathetic approach during challenging times.
Raj Murali Mohan
Financial Planning Administrator
Raj supports financial planners with technical analysis and documentation. He ensures compliance with FCA regulations and maintains client records. His attention to detail contributes to seamless service delivery across mortgage and investment cases.
Chaya Warner
Mortgage and Protection Administrator
Chaya manages mortgage applications and protection policy implementations. She coordinates between clients and providers, ensuring timely completions. Her organisational skills support efficient processing of complex financial transactions.
Greg Elias
Mortgage and Protection Administrator
Greg assists with mortgage and insurance cases, focusing on client communication and document preparation. He ensures regulatory compliance during application processes. His proactive approach helps maintain smooth service delivery.
Questions
What financial services do you specialise in?
We specialise in financial planning, mortgages, investments, retirement strategies, and protection services. Our FCA-regulated advisors also handle estate planning, tax efficiency, and business protection.
Are your financial advisors qualified?
Yes, our team holds gold-standard industry accreditations. We're regulated by the Financial Conduct Authority and maintain continuous professional development to ensure up-to-date expertise.
How do you charge for financial advice?
Charges vary by service: mortgages have arrangement fees, financial planning uses hourly rates or fixed fees, and investments incur management charges. We provide transparent cost breakdowns before starting work.
Can you help with first-time mortgages?
Yes, we specialise in first-time buyer mortgages, including Help to Buy schemes. Our advisors explain options clearly and secure competitive rates tailored to your circumstances.
How often do you review financial plans?
We recommend annual reviews, with additional check-ins for major life events. Investment portfolios receive quarterly performance reports and semi-annual detailed reviews.
What areas do you cover?
While based in Borehamwood, we serve clients nationwide through face-to-face meetings, video calls, and phone consultations. Our digital tools support clients across the UK.
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