Business Details
Independent Financial Advisers in Balsall Common
Rothesay Bennett is a firm of independent financial advisers specialising in pensions, investments, Inheritance Tax planning, estate and trust planning, and wealth protection. Our advisers have over 100 years of combined experience in navigating complex financial markets, with a commitment to impartial advice and continuous market research. Regulated by the Financial Conduct Authority (FCA), we prioritise client interests through rigorous professional standards and ethical practice. Based in Balsall Common, we serve clients across the UK with tailored financial solutions, offering telephone, email, office-based, and home visits.Our approach focuses on identifying clients' short, medium, and long-term goals to create straightforward, cost-effective financial strategies. We specialise in retirement planning, investment management, and protection solutions, adapting plans to significant life changes and conducting regular reviews. Our client relationships, built on honesty and reliability, have endured for nearly 30 years, with many clients trusting us through personal recommendations.
Services
Pensions
Investments
Protection
Estate Planning
Mortgages
Ethical Investing
Financial Planning
Retirement Planning
Wealth Management
Tax Planning
Highlights and features
- We have over 100 years of combined experience in financial advisory services.
- Our advice is completely impartial and continuously monitored for market relevance.
- We are regulated by the Financial Conduct Authority (FCA) for professional standards.
- We offer tailored financial solutions for both individual and corporate clients.
- Our client relationships have endured for nearly 30 years through personal recommendations.
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Pensions
We specialise in pension advice, including occupational and personal pensions, retirement planning, and navigating pensions freedom legislation. Our FCA-regulated advisers help clients optimise pension benefits, manage Defined Benefit schemes, and create tax-efficient income strategies. With expertise in both individual and group pensions, we ensure clients achieve their desired retirement lifestyle through tailored solutions.
Investments
Our investment services focus on building capital sums through diversified portfolios aligned with clients' risk profiles and financial goals. We offer guidance on short-term cash management, long-term growth strategies, and ethical investment options. By assessing market volatility and personal circumstances, we help clients protect and grow wealth while minimising risks from inflation and legislative changes.
Protection
We provide comprehensive protection strategies to secure clients' financial futures against unexpected life events. This includes life cover, critical illness insurance, and income protection tailored to individual and family needs. Our advisers help structure policies that balance risk mitigation with affordability, ensuring financial security for dependants while maintaining clients' long-term financial objectives.
Estate Planning
Our estate planning services address Inheritance Tax liabilities and asset transfer strategies for future generations. We advise on Wills, trusts, and tax-efficient structures to preserve wealth while maintaining financial access. With expertise in both basic and complex estate arrangements, we help clients navigate legal requirements and create lasting legacies through strategic planning.
Mortgages
We offer mortgage advice covering property purchases, remortgaging, and equity release solutions. Our independent advisers compare over 1,000 deals to find cost-effective options tailored to clients' financial situations. From first-time buyer mortgages to complex commercial arrangements, we provide guidance on securing competitive rates while considering long-term financial implications.
People
Richard Westwood
Chartered Financial Planner & Director
Fellow of the Personal Finance Society with expertise in pension and retirement planning. Specialises in Defined Benefit pension schemes and educational seminars for retirees. Joined Rothesay Bennett after career at Barclays Financial Planning and national IFA firms.
Xennon Horner
Independent Financial Adviser & Director
Twenty-year financial services veteran with experience in investment and retirement planning. Former Barclays Bank PLC adviser who transitioned to national IFA firms. Specialises in educating professionals like solicitors and accountants about financial planning.
Kaili Horner
Independent Financial Adviser & Compliance Manager
Midlands-based adviser with compliance oversight since joining in 2016. Progressed through banking and national advice firms, combining client advisory work with regulatory compliance management to ensure FCA-standard operations.
Paul Grice
Independent Financial Adviser
35-year industry veteran specialising in retirement and post-retirement planning. Former senior management roles at Pearl Assurance and CIS, with two decades of independent advisory experience constructing tax-efficient income solutions.
Charles Spear
Independent Financial Adviser
35-year financial services professional and co-founder of Affinity Financial Awareness. Transitioned from national IFA firm roles to specialise in retirement income solutions following pension freedoms legislation changes.
Questions
What financial services does Rothesay Bennett offer?
We provide pensions advice, investment management, estate planning, protection policies, and mortgage solutions tailored to individual and corporate clients' needs.
How does Rothesay Bennett ensure impartial financial advice?
As independent financial advisers, we research the entire market to recommend solutions that best meet clients' specific requirements without product provider restrictions.
Can Rothesay Bennett help with retirement planning?
Yes, we specialise in retirement planning including pension consolidations, income strategies, and navigating pensions freedom legislation for both pre- and post-retirement clients.
Do you offer ethical investment options?
Yes, we provide ethical and sustainable investment solutions using positive/negative screening for environmental, social, and governance (ESG) factors across various asset classes.
How is Rothesay Bennett regulated?
We are authorised and regulated by the Financial Conduct Authority (FCA) under registration number 795885 for professional financial advisory services.
Can business owners receive corporate financial planning?
Yes, we advise business owners on pension planning, employee benefits packages, business protection, and commercial insurance solutions alongside personal financial matters.
