Business Details
Your Trusted Financial Partner in Cheltenham
We are Attivo, an independent financial planning firm dedicated to providing unbiased, client-centric advice. With chartered status from the Chartered Insurance Institute, we combine technical expertise with a commitment to transparency and ethical practice. Our team of highly qualified financial planners works across the UK, offering personalized solutions for private clients and businesses. We specialize in Lifestyle Financial Planning, focusing on retirement, tax, and estate planning, alongside corporate services that protect business interests and employee welfare. Recognized in Citywires New Model Adviser Top 100 Firms and Gloucestershire's Top 100 Companies, our independence ensures access to the entire market for tailored solutions.Through continuous professional development, we maintain relevance and trustworthiness, prioritizing long-term client relationships over short-term gains. Our approach emphasizes clear communication, annual plan reviews, and a fee structure that charges only for delivered advice. By integrating financial tools like cash flow modelling, we help clients achieve their goals while navigating regulatory requirements and optimizing tax efficiency.
Services
Financial Planning
Retirement Planning
Investment Planning
Tax Planning
Estate Planning
Mortgages
Protection
Business Financial Review
Corporate Services
Employee Benefits
Highlights and features
- We offer chartered status from the Chartered Insurance Institute (CII)
- Our team holds multiple industry awards including Citywires Top 100 Firms
- We provide independent advice across the whole of the market
- Annual financial plan reviews ensure ongoing relevance and effectiveness
- Transparent fee structure with no charges for initial consultations
Associations and certifications
- Chartered Insurance Institute (CII)
Services
Financial Planning
Our Lifestyle Financial Planning approach creates personalized strategies aligned with your life goals. We combine cash flow modelling with investment planning to ensure long-term financial security. Our chartered advisers provide ongoing support through annual reviews and adjustments to maintain plan effectiveness.
Retirement Planning
We develop tailored retirement strategies considering tax efficiency, pension consolidation, and income requirements. Our planners help navigate state benefits, private pensions, and investment vehicles to ensure sustainable post-work income.
Tax Planning
Our specialists identify legitimate opportunities to minimize tax liabilities across income, capital gains, and inheritance taxes. We implement strategies that comply with regulations while maximizing after-tax returns for individuals and businesses.
Estate Planning
We create comprehensive estate plans to protect assets and facilitate smooth wealth transfer. Services include will writing, trust establishment, and inheritance tax mitigation strategies tailored to family circumstances.
Corporate Services
Our business financial reviews assess corporate structures, employee benefits, and regulatory compliance. We provide succession planning, tax efficiency strategies, and risk management solutions to protect business assets and ensure sustainable growth.
People
Stephen Harper
Chairman
Stephen leads Attivo's strategic direction with decades of financial services experience. He champions the firm's independent ethos and client-first approach while maintaining industry standards through active involvement in professional bodies.
Jo French
Chief Executive Officer
Jo oversees Attivo's operational excellence and growth strategy. With extensive financial planning expertise, she ensures service quality and innovation across all client interactions while driving the firm's market expansion initiatives.
Fiona Prendergast
Chief Marketing Officer
Fiona leads Attivo's marketing strategy, focusing on client engagement and brand development. She combines financial expertise with creative campaigns to enhance market visibility and client communication effectiveness.
David Melloy
Strategic Business Development Director
David drives business growth through strategic partnerships and market expansion. His industry knowledge helps identify new opportunities while maintaining Attivo's commitment to independent, client-focused financial solutions.
Questions
What financial planning services do you offer?
We provide comprehensive services including retirement planning, tax planning, estate planning, investment planning, and mortgage advice for individuals, alongside corporate financial reviews and employee benefit solutions.
How are you different from other financial advisers?
As chartered status holders with the CII, we maintain rigorous professional standards while offering independent advice across the entire market without product provider ties.
What fees do you charge for your services?
We charge transparent fees for delivered advice only, with no charges for initial consultations. Specific costs depend on the complexity of your financial planning requirements.
Do you offer business financial planning services?
Yes, we provide corporate financial reviews, business succession planning, employee benefit schemes, and regulatory compliance services tailored to business owners' specific needs.
