Business Details
29 Years
experience
Trusted Financial Advisers in Borehamwood
Established in 1997, we are a family-owned team of financial planners and wealth managers based in Elstree & Borehamwood. Our expertise spans retirement planning, mortgages, investments, and business protection, with a commitment to delivering tailored solutions that align with clients' financial and lifestyle goals. Holding gold standard accreditations, we combine over 25 years of industry experience with a client-centric ethos, treating every client as we would wish to be treated ourselves. Recognised through numerous prestigious awards, including Moneyfacts and Personal Finance Society accolades, we maintain a strong reputation for excellence and trustworthiness. Our long-standing client relationships, many spanning decades, reflect our dedication to transparency, professionalism, and ongoing support.We prioritise clear communication, avoiding financial jargon to ensure clients fully understand their options. With 93% of financial planning clients recommending us and 100% of mortgage clients returning for future needs, our track record demonstrates consistent value delivery. As an appointed representative of 2plan Wealth Management, authorised and regulated by the Financial Conduct Authority, we uphold the highest regulatory standards. Our approach balances technical expertise with genuine care, aiming to transform financial planning into a collaborative, confidence-building process for individuals, families, and business owners at every life stage.
Services
Financial Planning
Mortgage Advice
Investment Management
Retirement Planning
Business Protection
Estate Planning
Pension Transfers
Equity Release
Life Insurance
Tax Planning
Details
- Year established: 1997
Highlights and features
- Multi-award-winning team with Moneyfacts and Personal Finance Society recognition
- Gold standard accreditations and FCA authorisation for regulatory excellence
- 93% of financial planning clients recommend us to others
- Family-run business with 25+ years of continuous client relationships
- Transparent communication avoiding financial jargon for better understanding
Associations and certifications
- Financial Conduct Authority
What people say
Fantastic financial planners
Reliable and trustworthy
First class service
Professional and helpful
Exceptional service
Services
Financial Planning
Our financial planning service creates comprehensive strategies tailored to your life goals. We analyse current financial status, future aspirations, and risk profiles to develop actionable plans. Clients benefit from ongoing support through life's changing circumstances, with regular reviews ensuring continued alignment with objectives.
Mortgage Advice
We provide whole-of-market mortgage advice covering first-time purchases, remortgaging, and buy-to-let investments. Our experts compare thousands of products to find optimal solutions, guiding clients through application processes with transparent fee structures and market insights.
Investment Management
Our investment management service constructs diversified portfolios using onshore and offshore vehicles. We assess risk tolerance and financial goals to create balanced strategies, employing both traditional and alternative investments. Regular performance monitoring ensures continued alignment with market conditions and client objectives.
Retirement Planning
We develop tailored retirement strategies combining pension optimisation and tax-efficient investments. Our approach considers state benefits, private pensions, and additional savings to create sustainable income streams. We specialise in navigating complex pension rules to maximise retirement outcomes.
Estate Planning
Our estate planning service minimises inheritance tax liabilities while ensuring wealth transfer according to client wishes. We combine will writing, trust structures, and life insurance to create comprehensive solutions. Regular reviews adapt strategies to legislative changes and personal circumstances.
People
Joshua Grankin
Financial Planner
With over 25 years' experience, Joshua specialises in creating tailored financial strategies. His expertise in retirement planning and investment management has helped numerous clients achieve financial security while maintaining FCA-regulated compliance.
Stephanie Gerstler
Protection Manager
Stephanie focuses on safeguarding clients' financial futures through appropriate insurance solutions. Her specialist knowledge in protection planning ensures comprehensive coverage tailored to individual circumstances and evolving life needs.
Ayelet Dechner
Practice Manager
Ayelet oversees daily operations while maintaining client relationships. Her organisational expertise ensures smooth service delivery across financial planning, mortgage advice, and investment management disciplines.
Questions
What financial services do you specialise in?
We specialise in financial planning, mortgages, investments, retirement planning, business protection, estate planning, and tax-efficient strategies tailored to individual needs.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority as an appointed representative of 2plan Wealth Management.
How do you personalise financial advice?
We conduct detailed consultations to understand your goals, then create customised strategies that evolve with your changing life circumstances and market conditions.
What makes your mortgage advice different?
We offer whole-of-market advice with transparent fee structures, combining technical expertise with clear communication to secure optimal mortgage solutions.
How are investment portfolios managed?
We create diversified portfolios aligned with risk tolerance and goals, using both onshore and offshore investment vehicles with regular performance reviews.
Videos
Reviews (4)
Yasmin S.
Dec 17, 2021
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Always provided professional service and were responsive to all of our requests / queries. We are very happy with the outcome of our application and look forward to continue working with Josh and Andy!
Teresa Mehmet
Dec 14, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Josh and his team at the Orchard Practice have a wealth of knowledge, are extremely proactive and deal with any financial needs in a timely manner, I can highly recommend their services.
Josh and his team at the Orchard Practice have a wealth of knowledge, are extremely proactive and deal with any financial needs in a timely manner, I can highly recommend their services.
Irene Deutsch
Nov 09, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
I really trust the advice I get it is both friendly and professional. Josh is very approachable and easy to talk to. Above all the Orchard Practise has integrity.
I really trust the advice I get it is both friendly and professional. Josh is very approachable and easy to talk to. Above all the Orchard Practise has integrity.
Robert Roskin
Nov 01, 2021
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Josh and Andy at The Orchard Practice have been helping us with our house move and mortgage application. Theyve both been incredibly helpful and very responsive, giving us peace of mind about our mortgage application. Andy has kept estate agents and solicitors up to date without our asking which has helped things move along on the purchase really quickly. Theyre also on top of mortgage protection matters and have scheduled a call to review these. This is our third purchase with Josh and each time has been seamless. Overall a very positive experience and highly recommended.
