Business Details
Trusted Financial Advisers in Newbury
Chester Rose is a team of independent chartered financial planners dedicated to building better financial futures for clients across the UK. With a client-centric approach, we specialise in holistic financial planning, pensions, investments, and estate planning, combining technical expertise with personalised service. Our team of certified professionals brings decades of combined experience in wealth management, offering tailored strategies that align with individual goals and risk appetites. As an FCA-authorised firm accredited by the Chartered Insurance Institute, we maintain the highest standards of professional conduct and client care. Through sophisticated cashflow modelling and tax-efficient planning, we help clients navigate life's financial challenges from wealth accumulation to retirement and later life planning.Our commitment to transparency ensures clients receive whole-of-market solutions without product provider restrictions. With offices in Newbury and Croydon, we serve clients nationwide through face-to-face meetings, phone consultations, and virtual appointments. Our track record of client satisfaction is evidenced by testimonials highlighting our responsive service, clear communication, and ability to create robust financial strategies. We offer a free initial consultation to help clients begin their financial planning journey with confidence. Our team structure combines financial planners, paraplanners, and administrators to deliver comprehensive support for every client's unique requirements.
Services
Holistic Financial Planning
Wealth Accumulation
Retirement Planning
Later Life Planning
Estate Planning
Cashflow Modelling
Inheritance Tax Planning
Highlights and features
- Our team includes chartered financial planners with specialist qualifications
- We provide whole-of-market investment solutions without product restrictions
- Customised financial plans tailored to individual circumstances and goals
- Accredited by the Chartered Insurance Institute for professional excellence
- Transparent fee structure with no hidden charges
Associations and certifications
- Chartered Insurance Institute
- Financial Conduct Authority
What people say
Supported and encouraged
Sound advice well explained
Professional approach
Thorough financial reviews
Personalised financial plans
Services
Holistic Financial Planning
Our holistic financial planning service creates comprehensive strategies that integrate all aspects of your financial life. We consider your pensions, investments, protection needs, and estate planning to develop coordinated solutions that evolve with your changing circumstances. By combining cashflow modelling with investment strategy, we help clients achieve both short-term objectives and long-term security. Our independent status allows us to access the entire market to find the most suitable products for each client's unique situation.
Wealth Accumulation
We help clients grow their financial resources through tailored investment strategies that balance risk and reward. Our approach considers your financial goals, time horizon, and risk tolerance to create diversified portfolios that maximise returns while managing volatility. We provide ongoing portfolio reviews and rebalancing to ensure your investments remain aligned with your objectives and market conditions. Our expertise covers various asset classes and investment vehicles to optimise wealth growth.
Retirement Planning
Our retirement planning service creates tailored strategies to ensure financial security during your post-working years. We assess your current pension provisions, projected retirement needs, and income requirements to develop comprehensive plans that maximise your retirement income. We help clients navigate pension freedoms, drawdown options, and tax-efficient withdrawal strategies while considering longevity and healthcare costs. Our cashflow modelling tools help visualise different retirement scenarios.
Later Life Planning
This service focuses on financial planning for later life stages, including inheritance tax mitigation and long-term care planning. We help structure your estate to minimise tax liabilities while ensuring your wealth is distributed according to your wishes. Our approach considers potential care costs, lifetime gifts, and trust structures to protect assets for future generations. We work with legal professionals to ensure proper implementation of estate plans.
Cashflow Modelling
Our cashflow modelling service provides visual projections of your financial future under various scenarios. This tool helps assess the impact of market fluctuations, lifestyle changes, and unexpected events on your financial plan. By stress-testing different situations, we help clients make informed decisions about investment strategies, retirement dates, and risk management. The dynamic models are regularly updated to reflect changing circumstances and market conditions.
People
Richard Dunbabin
CEO
Richard leads Chester Rose with over 20 years' experience in financial services. He oversees strategic direction and ensures adherence to the firm's client-first philosophy. His expertise spans investment management and retirement planning.
Suzanne Allen
Head of Financial Planning
Suzanne heads financial planning with chartered status and extensive experience. She specialises in creating tailored solutions for complex financial situations. Clients appreciate her approachable style and thorough approach to long-term planning.
Christopher Mills
Head of Finance
Christopher manages the firm's financial operations with specialist knowledge of investment structures. He ensures financial compliance and oversees the technical implementation of client portfolios and strategic financial planning.
CJ Campbell
Independent Financial Planner
CJ provides independent financial advice with focus on pensions and retirement strategies. He works closely with clients to develop practical plans that align with their personal goals and changing life circumstances.
Adam Vanstone
Chartered Financial Planner
Adam combines chartered status with practical experience to deliver comprehensive financial solutions. He specialises in helping clients navigate complex investment decisions and retirement planning options.
Questions
What financial planning services do you offer?
We provide holistic financial planning covering pensions, investments, retirement planning, later life planning, and inheritance tax mitigation. Our services are tailored to individual circumstances and goals.
Are you independent financial advisers?
Yes, we are independent chartered financial planners with whole-of-market access, allowing us to recommend suitable solutions from across the market without product restrictions.
How are your financial planning services charged?
We operate a transparent fee structure with no hidden charges. Fees are based on the complexity of your requirements and the level of ongoing support needed.
Do you offer a free initial consultation?
Yes, we provide a free initial meeting with no commitment to help you understand our approach and determine if we're the right fit for your needs.
What qualifications do your advisers hold?
Our team includes chartered financial planners with specialist qualifications from the Chartered Insurance Institute and extensive experience in wealth management.
How do you ensure ongoing client support?
We provide regular portfolio reviews, annual financial plan updates, and continuous support through our team of planners, paraplanners, and administrators.
