Business Details
22 Years
experience
Independent Financial Advisers in Cirencester
Established in 2004, R T Financial Planners provides fully independent financial and investment advice tailored to private clients, trusts, and charities. Our team of highly qualified chartered financial planners combines decades of industry experience with a client-centric approach, ensuring bespoke solutions that evolve with your changing circumstances. As an appointed representative of Best Practice Group IFA Ltd, authorised and regulated by the Financial Conduct Authority, we prioritise transparency, regulatory compliance, and long-term partnerships built on trust. With offices in Cirencester and advisers operating nationwide, we offer comprehensive services spanning retirement planning, investment strategy, inheritance tax mitigation, and protection planning. Our process begins with an in-depth understanding of your financial goals, followed by rigorous market research to deliver solutions aligned with your risk profile and aspirations.We maintain ongoing support through annual reviews and a secure online portal, ensuring your financial plan remains dynamic and effective. Our commitment to excellence is reflected in our team's advanced qualifications, including Fellowships of the Personal Finance Society and Chartered Membership of the CISI. By operating independently of product providers, we guarantee unbiased recommendations focused solely on your best interests. Whether you require holistic financial planning or specialist advice in specific areas, our collaborative approach leverages collective expertise to address complex financial challenges. We strive to simplify decision-making, reduce stress, and empower clients to achieve financial security and freedom.
Services
Full Financial Planning
Retirement Planning
Investment Planning
Inheritance Tax Planning
Protection Planning
Estate Planning
Long Term Care Planning
Details
- Year established: 2004
Highlights and features
- We offer fully independent advice with no ties to product providers
- Our team includes Chartered Financial Planners and CISI members
- We develop long-term partnerships through tailored financial strategies
- We provide comprehensive services covering all major financial planning areas
- We are regulated by the Financial Conduct Authority for compliance assurance
Associations and certifications
- Financial Conduct Authority
Services
Full Financial Planning
Our comprehensive financial planning service evaluates your complete financial situation to create long-term strategies. We analyse income, assets, liabilities, and goals to develop customised roadmaps for wealth growth and security. By considering market conditions and regulatory changes, we ensure your plan remains effective through life's transitions.
Retirement Planning
Specialist retirement planning helps optimise pension arrangements and income streams. We assess existing provisions, model various scenarios, and recommend tax-efficient solutions to achieve your desired retirement lifestyle. Our approach considers state benefits, private pensions, and investment vehicles to create sustainable income.
Investment Planning
Investment planning services focus on portfolio construction aligned with your risk tolerance and objectives. Through ongoing market analysis and fund research, we create diversified investment strategies for capital preservation, growth, or income generation. Regular reviews ensure optimal performance and tax efficiency.
Inheritance Tax Planning
Specialised inheritance tax mitigation strategies protect family wealth across generations. We evaluate estate composition, implement trust structures, and recommend tax-exempt investments to minimise liabilities. Our holistic approach balances tax efficiency with care provision and legacy goals.
Protection Planning
Protection planning safeguards against financial risks from illness, disability, or premature death. We assess insurance needs for individuals, families, and businesses, recommending appropriate coverage levels. Our solutions include life assurance, critical illness cover, and income protection policies.
People
Jackie Greenwood
Director
Chartered Financial Planner with over 20 years' experience. Former Prudential and NatWest adviser specialising in pensions, retirement, and tax planning. Holds advanced qualifications and oversees regulatory compliance for R T Financial Planners.
Simon Fell
Operations Director
CISI Chartered Member with nearly 20 years in financial services. Specialises in investment management and technical research. Joined R T Financial Planners in 2017 to enhance investment strategy development and operational efficiency.
James Highett
Financial Adviser
Qualified adviser with 11 years' industry experience. Transitioned from accountancy to financial planning, focusing on comprehensive financial strategies. Helps clients build sustainable long-term plans aligned with personal and financial goals.
Harrison Angove
Financial Adviser
Qualified adviser since 2020 with experience in pensions, savings, and protection planning. Joined R T Financial Planners after completing Level 4 diploma. Provides practical advice on investment and protection needs for individual clients.
Melanie Stones
Administration
Experienced administrator with over 15 years supporting financial advisers. Manages client portfolios, valuations, and documentation. Works closely with directors to ensure accurate implementation of financial plans and regulatory compliance.
Questions
What financial planning services do you offer?
We provide full financial planning, retirement strategies, investment management, inheritance tax mitigation, and protection planning. Our services cover all aspects of personal and business financial management.
Are you regulated by any financial authorities?
Yes, we are an appointed representative of Best Practice Group IFA Ltd, authorised and regulated by the Financial Conduct Authority (reference 522342).
How do you determine appropriate investment strategies?
We assess your risk tolerance, financial goals, and current circumstances through detailed consultations. Our team uses market research and forecasting models to create suitable investment portfolios.
Can you help with pension transfers and consolidation?
Yes, we specialise in pension reviews, transfers, and consolidation strategies. We evaluate existing arrangements to create more efficient, tax-effective retirement solutions.
What areas do you cover?
While based in Cirencester, we work with clients nationwide. Our services extend across Gloucestershire, the Cotswolds, Wiltshire, and other UK locations through virtual and in-person meetings.
How are your fees structured?
We explain all fees during initial consultations. Our transparent pricing includes options for one-time advice, ongoing management, and tailored review services to suit different client needs.
