Business Details
Expert Financial Advisers in Cullompton
At Rumwell Financial Services, we leverage extensive experience in financial planning to address the evolving needs of clients throughout their lives. Our expertise spans life cover, critical illness protection, pensions, annuities, investment strategies, and inheritance tax planning, ensuring tailored solutions for individuals and businesses. As an Appointed Representative of Quilter Financial Services, regulated by the Financial Conduct Authority, we adhere to rigorous professional standards while offering guidance on tax-efficient wealth management.With a focus on long-term relationships, we provide impartial advice to secure clients' financial futures through retirement planning, income protection, and corporate solutions. Our team prioritises client education, demystifying complex financial products and empowering informed decision-making in a landscape where market values fluctuate regularly.
Services
Life Cover
Critical Illness Cover
Pensions Advice
Annuities
Investment Planning
Inheritance Tax Planning
Corporate Protection
Income Protection
Succession Planning
Retirement Strategies
Highlights and features
- We offer 25+ years' experience in UK financial services with tailored investment solutions
- Our team holds Chartered Financial Planner qualifications with specialist pensions expertise
- We provide independent advice covering 100+ financial products from multiple providers
- Our FCA-regulated services ensure compliance with highest industry standards
- We offer ongoing portfolio reviews to adjust strategies as life circumstances change
Associations and certifications
- Financial Conduct Authority
What people say
Thorough financial analysis
Clear explanations
Proactive planning
Excellent support
Tailored solutions
Services
Life Cover
Life cover provides financial protection for dependants in case of death. We offer term assurance and whole-of-life policies to cover mortgages, replace income, or provide inheritance. Critical illness cover available as standalone or combined policies. Policies subject to medical underwriting and individual circumstances.
Pensions Advice
Expert pensions guidance helps maximise retirement income through tax-efficient contributions and investment strategies. We advise on personal pensions, SIPP options, and workplace schemes. Specialist annuities advice uses open market comparisons to secure optimal income, considering enhanced and fixed-term options.
Investment Planning
Investment strategies tailored to risk tolerance and financial goals. We create diversified portfolios using OEICs, ETFs, and individual equities. Regular reviews ensure strategies adapt to market changes and personal circumstances. Advises on taxable investments and ISAs for both lump sums and regular contributions.
Inheritance Tax Planning
Specialist advice to mitigate inheritance tax liabilities above 325,000 threshold. Reviews property assets, business interests, and lifetime gifts. Recommends trust structures and pension planning solutions. Considerates future legislative changes while maintaining client control over assets.
Corporate Protection
Tailored insurance solutions for businesses including key person cover, partnership protection, and director's share schemes. Helps address succession planning and maintain business continuity during ownership transitions. Advises on statutory compliance and tax-efficient implementation for limited companies.
People
Russell Burrows
Financial Planning Consultant
Experienced financial planner with 15+ years' expertise in investment strategies and retirement planning. Specialises in creating tax-efficient solutions for high-net-worth clients across Devon and Somerset.
David McCrann
Financial Planning Consultant
Chartered financial advisor focusing on pensions transfers and complex inheritance tax mitigation. Brings 12 years' experience in cross-border financial solutions for UK expatriates and domestic clients.
Justin Pascoe
Financial Planning Consultant
Specialist in corporate protection strategies and business succession planning. Advises SMEs on employee benefits and director remuneration structures with 10 years' experience in commercial financial solutions.
Questions
What financial services do you offer for individuals?
We provide life cover, pensions advice, investment planning, inheritance tax mitigation, and income protection tailored to personal circumstances.
Are your financial services regulated?
Yes, we're FCA-regulated as an Appointed Representative of Quilter Financial Services, ensuring compliance with financial service standards.
How do you help with retirement planning?
We offer pension consolidation, annuities advice, and drawdown strategies to create sustainable retirement income aligned with lifestyle goals.
What corporate financial solutions are available?
We advise on key person insurance, partnership protection, business succession planning, and employee benefit packages for SMEs.
Do you provide ongoing financial advice?
Yes, we offer regular portfolio reviews and strategy adjustments to maintain alignment with changing personal circumstances and market conditions.
How do you handle inheritance tax planning?
We assess your complete financial picture to recommend trust structures, pension planning, and gifting strategies that reduce IHT liability.
