Fees are unique to each client’s individual circumstances and are calculated based on various things including the services we have agreed to provide, the complexity involved and the value we feel we can add.  All fees will be clearly defined by email after the Initial Discovery Meeting, and no work commenced until you feel comfortable to proceed and have agreed to the pricing structure.  There is no pressure to agree to anything at the Discovery Meeting. 

Click here to view our case studies with samples of how our fee structure might apply to you.

Our offices are located at 123 Promenade, Cheltenham.  We are in the lower ground floor of the building, underneath Knight Frank. 

No.  But there is metered parking along the Promenade and at the back of the office on Montpellier Street.  There are also numerous car parks in town, the closest are:

Royal Well Car Park, Chapel Road, GL50 3DS

Regent Arcade, Regent Street, GL50 1JZ

Rodney Road Car Park, Rodney Road, GL50 1HT

Yes, we are regulated by the Financial Conduct Authority (FCA). The FCA's rules and standards ensure that consumers are treated fairly and protected, and that the products and services you receive are suitable.

Yes.  As independent financial advisers (IFA) we are able to provide unbiased advice on a wide range of financial products. We are not restricted to a specific number of providers or products, and we are not acting on behalf of any particular company.

If our clients are not satisfied with the outcome of a complaint, they will have the right to refer it to the Financial Ombudsman Service, free of charge, at The Financial Ombudsman Service, Exchange Tower, London E14 9SR or by going to their website at The Financial Ombudsman.

Sadly not.  Whilst we incorporate this type of pension within our plans and can help assess the options available on them, we have made the decision not to offer transfer advice on a standalone basis. 

No.  But we work with a trusted specialist who we are happy to put you in touch with.

Yes! While we enjoy working face to face with clients at our Cheltenham office, we understand that not everyone lives locally or can get into town to meet with us.  We work with many clients who live further afield and meet with them regularly via Zoom or Teams.  Our advisers also make home visits for our more vulnerable clients.

Who your initial Discovery meeting is with depends on various factors including adviser availability and the nature of the work that might be needed.  However, should you have a preference for seeing a male or female adviser or have been recommended to someone specific then please do let us know when you schedule your first meeting, and we will do our best to accommodate your requests.

Yes!  Meeting with an adviser for the first time can be quite daunting, we encourage you to bring a spouse, relative or trusted friend to your meeting.

Yes.  Our portfolios are managed by PortfolioMetrix (PMX), who offer sustainable portfolio investing options.  The aim of the PMX Sustainable World Portfolios is to utilise funds which focus on sustainability and positive engagement to drive beneficial social and environmental change.  For more information….

The ever-changing investment landscape and multitude of products that are available make the decision on our proposition increasingly challenging and a potential distraction from our primary role in managing your financial affairs.

To help alleviate this and make sure that you have access to the highest quality of investment research, we decided several years ago to partner with PortfolioMetrix.  By doing so, we can lean on their greater resources and technology, to research available fund choices, build robust portfolios and monitor them more consistently. Their discretionary mandate means that they can make changes in an expedited fashion, should market conditions or other anomalies dictate it.

You can learn more about our Investment Proposition Here!