Business Details
Trusted Independent Financial Advisers in Chippenham
Chilvester Financial has been providing independent financial planning services for over 25 years. Our team of experienced professionals specialises in retirement planning, business financial management, and family wealth protection strategies. We maintain a client-centric approach, offering unbiased advice tailored to individual circumstances without industry jargon. Our collaborative methodology involves working closely with clients' other professional advisers to deliver comprehensive financial solutions. With offices in Chippenham, Newbury, and Bristol, we serve over 400 client families while maintaining strong local community ties through sponsorships and partnerships.Our team approach ensures clients benefit from collective expertise while maintaining a dedicated Senior Financial Planner as their primary contact. We prioritise transparency in all operations, including fee structures, and provide ongoing support through regular financial plan reviews and investment monitoring. Our proven track record demonstrates consistent delivery of expert financial guidance aligned with evolving client needs.
Services
Retirement Planning
Business Financial Planning
Family Wealth Protection
Investment Management
Estate Planning
Inheritance Tax Planning
Life Assurance
Equity Release
Charity Investments
Financial Reviews
Highlights and features
- We are completely independent and provide unbiased advice tailored to you
- We support local communities through active involvement with Marlborough Rugby and FC Calne
- Our team approach combines collective expertise with dedicated Senior Financial Planners
- We've built a 25-year track record helping clients achieve their financial goals
- We collaborate with your existing professional advisers for comprehensive financial planning
Associations and certifications
- Financial Conduct Authority
Services
Retirement Planning
We specialise in comprehensive retirement planning tailored to individual circumstances. Our services cover pension strategy, income planning, and tax-efficient withdrawal strategies to ensure financial security throughout retirement. With expertise in both personal and business-related retirement planning, we help clients navigate complex decisions while maintaining flexibility for changing life circumstances.
Business Financial Planning
Our business financial planning services support owners through all stages of their business journey. We provide strategic advice on wealth management, succession planning, and business exit strategies. By integrating personal and business financial planning, we help entrepreneurs protect and grow their wealth while preparing for future transitions and retirement.
Family Wealth Protection
We offer tailored wealth protection strategies to preserve family assets across generations. Our services include estate planning, inheritance tax mitigation, and trust management. Through comprehensive investment management and protection strategies, we ensure families maintain financial security while achieving long-term wealth preservation goals.
Investment Management
Our investment management service provides tailored portfolio strategies aligned with individual financial goals. We offer regular reviews and ongoing monitoring to ensure investments remain aligned with clients' risk profiles and objectives. Our approach combines market expertise with personal financial planning to optimise long-term investment performance.
Estate Planning
We provide comprehensive estate planning services to ensure wealth is transferred according to clients' wishes. Our expertise includes will creation, trust establishment, and inheritance tax planning. By developing strategic plans for asset distribution, we help clients protect their legacy while minimising tax liabilities for future generations.
People
Andy Tottman
Managing Director, Financial Planner
Andy leads Chilvester Financial as Managing Director, specialising in business owner financial planning. With extensive experience in personal finance, he enjoys supporting local community initiatives and participates in physical challenges to maintain fitness.
Sam Binstead
Director, Chartered Financial Planner
Sam serves as Chartered Financial Planner and chairs our Investment Committee. He specialises in retirement planning while maintaining active involvement in local outdoor activities and family-oriented pursuits.
Darren Broomfield
Senior Financial Planner
Darren brings significant experience from Sovereign Asset Management's 2022 acquisition. He focuses on delivering comprehensive financial solutions while maintaining personal interests in travel, motorcycling, and fitness activities.
Questions
What financial planning services do you offer?
We provide retirement planning, business financial planning, family wealth protection, investment management, and estate planning services tailored to individual client needs.
Are you regulated by financial authorities?
Yes, Chilvester Limited is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 456753.
How do you charge for your services?
We maintain transparent fee structures, discussing and agreeing all charges before starting work to ensure no unexpected costs for our clients.
Do you work with other professional advisers?
Yes, we collaborate with accountants, solicitors, and business coaches to provide comprehensive financial solutions that integrate with your existing professional network.
What areas do you cover?
We operate from offices in Chippenham, Newbury, and Bristol, serving clients across Wiltshire and surrounding regions.
How often do you review financial plans?
We conduct annual reviews for our Fully Managed service and triennial reviews for our Investment service, with ongoing support available throughout the year.
