Business Details
16 Years
experience
Your Trusted Financial Advisers in Calne
The team at Integrity Pensions & Investments brings decades of experience in delivering tailored financial planning advice to individuals, families, and businesses across Wiltshire and surrounding regions. Specialising in pensions, investments, mortgages, and protection, we prioritise client needs through customised financial strategies designed to maximise long-term security. Our FCA-authorised status underscores our commitment to regulatory excellence, while our local roots and personable approach foster enduring client relationships. With a focus on clarity and transparency, we provide jargon-free guidance to help clients navigate complex financial decisions. Our advisers combine technical expertise with a deep understanding of regional market dynamics, ensuring solutions align with individual circumstances.As an independent firm, we maintain no ties to specific products, enabling impartial recommendations. Regular client reviews and ongoing support ensure financial plans evolve with changing life goals. Our teams involvement in community initiatives reflects our dedication to both professional and local engagement. With offices in Calne, we serve clients through face-to-face consultations and remote advisory services. Backed by the Financial Ombudsman Service, our complaints process guarantees accountability and client satisfaction.
Services
Pensions
Investments
Mortgages
Protection
Retirement Planning
Auto Enrolment
Inheritance Tax
General Insurance
Details
- Year established: 2010
Highlights and features
- We are FCA-authorised and regulated for financial compliance and client protection.
- Our tailored financial plans address individual retirement and investment goals.
- Advisers hold advanced qualifications including Dip PFS and Cert PFS accreditations.
- Jargon-free advice ensures clarity in complex financial decision-making.
- Deep local knowledge of Wiltshire and surrounding areas informs our strategies.
Associations and certifications
- Financial Conduct Authority
Services
Pensions
We help clients build and manage pension portfolios to ensure financial stability during retirement. Our advice covers workplace pensions, personal pensions, and self-invested schemes. By assessing individual risk profiles and retirement goals, we create strategies to maximise income while minimising tax liabilities.
Investments
Our investment services focus on creating diversified portfolios tailored to clients' financial objectives and risk tolerance. We offer guidance on stocks, bonds, funds, and tax-efficient vehicles like ISAs. Regular portfolio reviews ensure alignment with evolving market conditions and personal circumstances.
Mortgages
We provide impartial mortgage advice for first-time buyers, remortgagers, and buy-to-let investors. Our services include assessing affordability, comparing lenders, and securing competitive rates. We explain complex mortgage terms in simple language to help clients make informed decisions.
Protection
Our protection services cover life insurance, critical illness cover, and income protection policies. We assess clients' family and financial obligations to recommend appropriate coverage levels. Policies are reviewed periodically to ensure they remain suitable as life circumstances change.
Retirement Planning
We develop comprehensive retirement plans considering pension withdrawals, tax implications, and income sustainability. Our advice addresses State Pension optimisation, drawdown strategies, and estate planning. We help clients navigate complex rules to achieve financial confidence in later life.
People
Paul Coles
Managing Director and Financial Planner
Paul has 20+ years in financial services, specialising in pensions since 2002. He joined Integrity in 2014 after working at larger firms, seeking closer client relationships. A Wiltshire resident, he enjoys outdoor activities and balances family life with running events.
Chris Hues
Financial Planner
Chris has 20+ years advising on investments and pensions. He transitioned to independent advising to offer bespoke solutions. Living in Wiltshire, he combines client-focused financial planning with family life and fitness activities like running and gym workouts.
Ian Williams
Financial Planner and Mortgage Director
Ian has 35+ years in financial services, including mortgage specialisation since 1999. He joined Integrity in 2022, bringing expertise in complex mortgages and retirement planning. He enjoys countryside walks, classic car restoration, and motorcycling in Wiltshire.
Jacqui Clark
Office Manager
Jacqui has 30+ years supporting financial advisers, joining Integrity at its founding in 2010. Based in Chippenham, she balances office management with family time, enjoying countryside walks with her two dogs and maintaining long-standing client relationships.
Rebecca Witcher
Paraplanner
Rebecca has 15+ years in financial services, working as a paraplanner since 2010. She supports advisers with technical expertise while volunteering at her children's school and Scout group. She balances half-marathon training with family commitments in Wiltshire.
Questions
What areas do you cover?
We primarily serve Wiltshire, including Calne, Bath, Chippenham, Devizes, and Pewsey Vale, with clients from surrounding regions like Stonehenge.
Are you regulated by the FCA?
Yes, we are authorised and regulated by the Financial Conduct Authority (FRN 475973) for financial compliance and client protection.
How do you charge for advice?
Our fees are transparent and agreed upfront. We charge for initial consultations and ongoing advice based on service complexity.
Can you help with mortgage applications?
Yes, we provide mortgage advice covering first-time purchases, remortgaging, and buy-to-let investments with tailored lender comparisons.
What qualifications do your advisers hold?
Our team holds advanced qualifications including Dip PFS, Cert PFS, and CeMAP, ensuring technical expertise and regulatory compliance.
How do you handle complaints?
We resolve complaints promptly through our internal process. Unresolved issues can be referred to the Financial Ombudsman Service for independent review.
