Business Details
Independent Financial Planning Services in Cheltenham
We are Attivo, an independent financial planning firm dedicated to providing unbiased, client-centric advice. Established with a commitment to transparency and integrity, we specialise in Lifestyle Financial Planning, helping individuals and businesses achieve their long-term goals. Our team of highly qualified professionals offers expertise in retirement planning, tax efficiency, estate planning, and corporate financial reviews. Chartered by the Chartered Insurance Institute and recognised in industry rankings such as Citywires New Model Adviser Top 100 Firms, we combine technical excellence with a personal approach.Our independence ensures access to the entire market, allowing us to tailor solutions that prioritise our clients' needs. With offices across the UK, we serve a diverse clientele, delivering clear, jargon-free advice designed to build financial confidence. Our focus on continuous professional development ensures our strategies remain innovative and relevant. We are committed to community engagement, demonstrated through partnerships with organisations like Worcestershire County Cricket Club and Cheltenham Festivals. Our mission is to empower clients to live the lives they envision through expert financial guidance.
Services
Financial Planning
Retirement Planning
Tax Planning
Estate Planning
Mortgages
Protection
Corporate Financial Reviews
Group Pensions
Business Insurance
Employee Benefits
Highlights and features
- We offer independent financial advice across the whole market.
- Our team holds chartered status and industry-recognised qualifications.
- We prioritise client needs with transparent, jargon-free communication.
- We have been recognised in Citywires New Model Adviser Top 100 Firms.
- Our corporate services ensure compliance and strategic growth planning.
Associations and certifications
- Chartered Insurance Institute (CII)
What people say
Expert guidance
Personalised approach
Transparent advice
Award-winning service
Chartered professionals
Services
Financial Planning
Our financial planning service creates tailored strategies to align your resources with life goals. We assess income, assets, and aspirations to build adaptable plans addressing retirement, tax efficiency, and wealth preservation. With regular reviews, we ensure your strategy evolves alongside market changes and personal circumstances.
Corporate Financial Reviews
This service evaluates business financial health through comprehensive analysis of records, compliance status, and growth strategies. We identify risks, optimise tax positions, and recommend improvements for owner benefits and employee welfare. Our independent reviews ensure regulatory adherence while supporting strategic decision-making.
Retirement Planning
We design retirement plans balancing lifestyle aspirations with financial realities. Through cash flow modelling and investment analysis, we determine optimal savings rates and pension structures. Our approach considers state benefits, private provisions, and tax-efficient withdrawal strategies to ensure long-term security.
Tax Planning
Our tax planning identifies legal opportunities to minimise liabilities across income, capital gains, and inheritance taxes. We implement strategies like ISAs, trusts, and business reliefs while ensuring compliance. Regular reviews adapt to legislative changes and evolving financial circumstances.
Estate Planning
This service structures asset distribution to preserve wealth for beneficiaries. We coordinate wills, trusts, and tax mitigation techniques to simplify probate processes. Our approach protects family interests while addressing potential care costs and intergenerational wealth transfer.
People
Stephen Harper
Chairman
Stephen leads Attivo's strategic direction, leveraging decades of financial services experience. He champions client-centric values while overseeing governance and long-term growth initiatives across the group's subsidiaries.
Jo French
Chief Executive Officer
Appointed CEO in 2024, Jo drives operational excellence and innovation. Her leadership focuses on expanding digital capabilities and enhancing client experiences while maintaining Attivo's independent advisory ethos.
Fiona Prendergast
Chief Marketing Officer
Fiona joined the board in 2025 to lead brand development and client engagement strategies. She oversees marketing initiatives that communicate Attivo's values through thought leadership and community partnerships.
David Melloy
Strategic Business Development Director
David strengthens corporate relationships and expands service offerings. His expertise in financial product development supports Attivo's growth while maintaining client-focused advisory standards.
Questions
What makes Attivo's financial planning different?
Our independence allows unbiased advice across the entire market, with strategies tailored to individual circumstances rather than product sales targets.
Do you provide both personal and business financial services?
Yes, we offer comprehensive solutions for individuals including retirement planning, alongside corporate services covering financial reviews and employee benefits.
How are your advisory fees structured?
We charge transparent fees for advice after initial free consultations. Costs depend on service complexity, with clear explanations provided before work commences.
Are your advisers qualified?
All planners hold minimum Level 4 financial qualifications, with many achieving chartered status through the Chartered Insurance Institute.
How often are financial plans reviewed?
We recommend annual reviews, with additional check-ins available for significant life changes or market developments affecting your financial strategy.
What areas do you cover?
While headquartered in Cheltenham, we serve clients nationwide through local offices in London, Cardiff, Liverpool, and other major UK locations.
