Business Details
11 Years
experience
Your Trusted Financial Advisers in Cheltenham
Cactus Financial Planning was founded in 2015 by Ben Ellis, establishing itself as an independent financial advisory firm based in Cheltenham. We specialise in providing tailored financial solutions for small to medium-sized business owners and individuals planning for retirement across the South West. Our growth has been driven by client referrals and professional partnerships, reflecting our commitment to transparency, honesty, and long-term relationships. With over 109 million in funds under advice and 295 clients, we combine expertise with a client-centric approach, ensuring financial plans adapt to life's challenges.Our team of qualified professionals, led by Ben Ellis, prioritises clear communication and ethical practices, supported by the IASME Gold Accreditation for cybersecurity excellence. We publish our fees openly, a rare practice in the industry, and follow a five-stage process to align strategies with client objectives. Our cactus-inspired ethos symbolises resilience and adaptability, mirroring our approach to safeguarding and growing client wealth in dynamic environments.
Services
Retirement Planning
Investment Advice
Business Owner Services
Pension Strategy
Financial Planning
Details
- Year established: 2015
Highlights and features
- We provide independent financial advice tailored to retirement and business owners.
- Our long-term client relationships ensure deep understanding of individual needs.
- We publish our fees openly for complete transparency.
- We hold the IASME Gold Accreditation for cybersecurity excellence.
- Our five-stage process guarantees structured, goal-oriented financial planning.
Associations and certifications
- IASME Gold Accreditation
What people say
Professional and easy to understand
Friendly and approachable
Investment strategy effective
Clear concise explanations
Supportive retirement guidance
Services
Retirement Planning
We help clients create secure retirement strategies tailored to their lifestyle goals. Our approach focuses on maintaining living standards post-retirement through structured savings and investment plans. With expertise in pension regulations, we ensure clients maximise their retirement income while minimising risks.
Business Owner Services
Specialised financial solutions for small to medium business owners. We balance business growth strategies with personal wealth management, ensuring owners maintain financial stability alongside company success. Our advice covers succession planning and asset protection tailored to entrepreneurial needs.
Investment Management
We develop customised investment strategies to grow client assets effectively. Our methodology combines risk assessment with market analysis to create diversified portfolios. Clients benefit from regular reviews and adjustments aligned with evolving financial goals and market conditions.
Financial Strategy
Our comprehensive financial strategies integrate multiple aspects of personal finance. We create adaptable plans addressing short-term needs and long-term objectives, incorporating tax efficiency, estate planning, and contingency measures to protect against unforeseen circumstances.
Pension Strategy
We optimise pension arrangements to ensure sustainable retirement income. Our specialists navigate complex pension rules to maximise benefits while minimising tax liabilities. Services include consolidating pensions and advising on drawdown options for flexible retirement funding.
People
Ben Ellis
Director and Financial Planner
Ben founded Cactus Financial Planning in 2015 with a vision for transparent financial advice. He specialises in retirement planning and investment strategies, bringing over 15 years of industry experience to help clients achieve financial security through personalised solutions.
Simon
Senior Financial Planner
Simon provides expert financial planning advice with particular focus on business owners' needs. He combines technical knowledge with practical solutions to help clients navigate complex financial decisions and implement effective wealth management strategies.
Louise
Client Servicing
Louise manages client relationships, ensuring smooth implementation of financial plans. She coordinates investment valuations and client communications, maintaining the firm's commitment to transparency and exceptional service standards throughout the advisory process.
Ila
Client Servicing
Ila supports clients through their financial planning journey, providing administrative expertise and personalised assistance. She ensures clients receive timely updates and clear information about their investment portfolios and financial progress.
Danielle
Client Servicing
Danielle delivers dedicated client support, managing day-to-day client interactions and documentation. She plays a key role in maintaining the firm's high service standards through responsive communication and meticulous attention to client needs.
Questions
What financial services do you specialise in?
We specialise in retirement planning, investment management, and financial advice for small to medium business owners across the South West.
Are your fees transparent?
Yes, we publish all our fees online - a rare practice in the financial advisory industry that demonstrates our commitment to transparency.
How do you protect client information?
We maintain IASME Gold Accreditation standards for cybersecurity, ensuring robust protection of all client data and financial information.
Do you work with clients outside Cheltenham?
Yes, while based in Cheltenham, we work with clients throughout the South West region and beyond via virtual consultations.
What is your investment approach?
We create diversified investment portfolios tailored to individual risk profiles, with regular reviews to ensure alignment with evolving financial goals.
How are you different from other advisers?
Our cactus-inspired approach combines adaptability with asset protection, supported by long-term relationships and complete fee transparency.
