Business Details
36 Years
experience
Expert Financial Planning Services in Newton Abbot
Established in 1990, Charles Royle has built a reputation as an independent financial advisory firm dedicated to providing tailored solutions for long-term financial security. Our team of experienced professionals works closely with clients to navigate life transitions, offering expertise in mortgages, equity release, investments, retirement planning, and financial protection. As a firm directly authorised by the Financial Conduct Authority, we prioritise transparency, ethical practices, and client-centric service.Over three decades, we have cultivated enduring relationships with individuals, including serving and retired police officers, helping them achieve their financial goals. Our approach combines technical proficiency with a personal touch, ensuring clients feel supported in making informed decisions. With offices in Newton Abbot and Teignmouth, we remain committed to adapting to evolving financial landscapes while maintaining the trust our clients have placed in us since our inception.
Services
Mortgages
Equity Release
Investments
Retirement Planning
Financial Protection
Later Life Planning
Buy to Let
Bridging Loans
Pension Advice
Tax Planning
Details
- Year established: 1990
Highlights and features
- We have over 30 years of experience in independent financial advisory services.
- Our team holds direct authorisation from the Financial Conduct Authority.
- We specialise in tailored financial solutions for police officers and retirees.
- We maintain long-standing client relationships built on trust and transparency.
- Our advice covers whole-of-market options with no hidden fees or obligations.
Associations and certifications
- Financial Conduct Authority
What people say
BRILLIANT course
Extremely informative
Delighted with achievements
No hard sell
Structured mortgage solutions
Services
Mortgages
We provide comprehensive mortgage advice for first-time buyers, remortgaging, buy-to-let, and bridging loans. Our whole-of-market approach ensures clients access competitive rates tailored to their financial circumstances. With expertise in adapting to changing needs, we help secure mortgages that align with long-term goals while considering tax implications and retirement planning.
Equity Release
Our equity release specialists help homeowners access tax-free cash from their property while retaining residency. We explain lifetime mortgages and home reversion plans with clear guidance on implications for inheritance and benefits. The service includes assessing eligibility, comparing providers, and ensuring alignment with broader retirement strategies.
Retirement Planning
We create bespoke retirement plans considering pensions, investments, and tax efficiency. Services include pre-retirement consultations, income drawdown strategies, and adapting financial plans post-retirement. Our focus is on ensuring sustainable income streams while maintaining flexibility for changing circumstances and family needs.
Investment Management
We offer advice on new investments and restructuring existing portfolios to meet financial objectives. Our approach considers risk tolerance, time horizons, and tax efficiency while diversifying assets across equities, bonds, and funds. Regular reviews ensure investments remain aligned with evolving market conditions and personal goals.
Financial Protection
We provide protection solutions for families and businesses, including life insurance, critical illness cover, and income protection. Our advice ensures clients have adequate safeguards against unforeseen events while balancing affordability and coverage. We also address health-related financial risks and business continuity planning.
People
John Mills
Partner
John Mills, a Partner at Charles Royle, brings decades of experience in financial planning. He specialises in retirement strategies and mortgage solutions, focusing on long-term client security. His approach combines technical expertise with a commitment to ethical advice.
Paul Williams
Partner
Paul Williams co-leads the firm with expertise in investment management and financial protection. He has advised police officers and retirees for over 25 years, prioritising tailored solutions that adapt to changing regulations and client needs.
Simon Barker
Financial Adviser
Simon Barker provides comprehensive financial advice, specialising in equity release and later-life planning. With a focus on clarity, he helps clients navigate complex decisions while ensuring compliance with FCA regulations and client protection.
Lee Stone
Mortgage and Equity Release Adviser
Lee Stone specialises in mortgage and equity release solutions, assisting clients in accessing property wealth. His client-centred approach ensures transparent explanations of options while aligning recommendations with long-term financial objectives.
John Rogers
Pensions Technical Administrator
John Rogers supports pension-related queries with technical expertise. He ensures accurate processing of retirement plans and liaises with providers to maintain compliance, contributing to seamless client service delivery.
Questions
What financial services do you specialise in?
We specialise in mortgages, equity release, retirement planning, investment management, and financial protection tailored to individual and police officer needs.
Are you regulated by the Financial Conduct Authority?
Yes, we are directly authorised and regulated by the Financial Conduct Authority (reference 145844) for financial advisory services.
How can I arrange a consultation?
Contact us via phone or our website to schedule a no-obligation consultation at our Newton Abbot office or virtually via Zoom/Teams.
Do you offer services for police officers?
Yes, we provide tailored financial advice for serving and retired police officers, including pension integration and mortgage solutions since 1990.
What areas do you cover?
We serve clients across Devon, Cornwall, and the UK, with offices in Newton Abbot and Teignmouth.
