Business Details
Independent Financial Advisers in Middlesbrough
At Robert Carlton, we are a team of independent financial advisers dedicated to providing comprehensive financial planning services tailored to individual client needs. With decades of combined experience, we specialise in helping clients navigate complex financial decisions through personalised strategies. Our expertise spans investments, income protection, life assurance, pension planning, and mortgage advice, ensuring clients receive holistic solutions aligned with their unique circumstances. We prioritise understanding each client's goals to deliver practical, informed guidance, fostering long-term relationships built on trust and professionalism. Our commitment to excellence is reflected in our authorisation by the Financial Conduct Authority, ensuring adherence to rigorous regulatory standards.We serve clients across Teesside and surrounding areas, offering a client-centric approach that values transparency, integrity, and ongoing support. By staying abreast of evolving financial markets and legislation, we empower clients to make confident decisions about their financial future. Our testimonials highlight our ability to simplify complex financial concepts, provide clear explanations, and deliver exceptional service that meets both immediate needs and long-term objectives. We continuously seek to enhance our offerings, incorporating client feedback to improve our services and digital platforms.
Services
Investments
Income Protection
Life Assurance
Pension Planning
Mortgages
Highlights and features
- We provide personalised financial strategies tailored to individual circumstances
- Our team holds FCA-authorised expertise in complex financial planning
- We offer comprehensive coverage across investments, pensions, and protection
- We maintain transparent communication with no hidden fees
- We serve Teesside with locally informed financial solutions
Associations and certifications
- Financial Conduct Authority
What people say
Helpful, friendly and professional
Easy to talk to
Process made easy
Learned a lot
Excellent mortgage guidance
Services
Investment Planning
We help clients grow their capital through strategic investment solutions. Our expertise covers ISAs, stocks and shares, and diversified portfolios tailored to risk profiles. We provide ongoing portfolio reviews to ensure alignment with financial goals and market conditions.
Pension Planning
Our pension specialists guide clients through retirement planning options. We offer advice on personal pensions, drawdown schemes, and annuities, ensuring clients understand tax implications and can make informed decisions about their retirement income.
Mortgage Advice
We provide comprehensive mortgage guidance for first-time buyers and remortgagers. Our services include interest rate comparisons, affordability assessments, and explanations of different mortgage types to help clients secure suitable home financing.
Life Assurance
We offer tailored life assurance solutions to protect families and businesses. Our advice covers term life policies, critical illness cover, and income protection, ensuring clients understand policy terms and can select appropriate coverage levels.
Tax Planning
Our tax-efficient planning services help clients maximise their capital gains allowances and utilise ISAs effectively. We provide guidance on inheritance tax mitigation and capital gains tax strategies while maintaining compliance with current regulations.
People
Ian
Financial Adviser
Ian specialises in providing clear financial guidance to individuals and families. With extensive experience in investment and protection planning, he focuses on building long-term client relationships through transparent communication and tailored advice.
Questions
What financial services do you specialise in?
We specialise in investment planning, pension strategies, mortgage advice, life assurance, and tax-efficient wealth management solutions.
Are you regulated by any official body?
Yes, we operate under Carlton-Sturman (Insurance Brokers) Limited, authorised by the Financial Conduct Authority (FCA).
Do you offer online portfolio management?
We're developing digital tools for clients to view their portfolios, with full online access planned for future implementation.
How do you charge for mortgage advice?
Clients can choose between a 0.5% loan amount fee or we may receive commission from lenders, as permitted by FCA regulations.
What areas do you cover?
We primarily serve Teesside, including Middlesbrough, Stockton-on-Tees, Yarm, and surrounding areas.
How can I make a complaint?
Unresolved complaints can be referred to the Financial Ombudsman Service for independent resolution as required by regulatory standards.
