Holcombe Financial Services

Business Details

14 Years

experience

Your Trusted Chartered Financial Advisers in Ramsbottom

Holcombe Financial Services is a professional and accessible company dedicated to providing comprehensive financial advice for individuals, families, and businesses. Our team of Chartered Financial Planners combines technical expertise with strong interpersonal skills to deliver outcome-based solutions tailored to each client's unique circumstances. With decades of collective experience, including roles within high street banks and independent advisory, we possess the knowledge to address diverse financial situations.

Our commitment to Continuous Professional Development ensures our team remains at the forefront of industry standards, while our client-centric approach prioritises transparency, trust, and long-term financial security. We specialise in wealth management, retirement planning, tax efficiency, and business financial strategies, serving clients across the North-West from our Ramsbottom base.

Services

Personal Financial Planning Business Financial Planning Retirement Planning Investment Management Inheritance Tax Planning Mortgage Advice Estate Planning Corporate Financial Strategy Cashflow Modelling Wealth Protection

Details

Year established: 2012

Highlights and features

We are Chartered Financial Planners with decades of combined industry experience.
Our client-centric approach prioritises tailored solutions over generic products.
We maintain full transparency in fee structures and investment strategies.
Our team holds advanced qualifications in wealth management and tax planning.
We integrate business and personal financial planning for holistic strategies.

Associations and certifications

Chartered Financial Planners
Financial Conduct Authority (FCA)

What people say

Thorough, personal advice Technical knowledge No pressure decisions Prompt issue resolution Professional and helpful

Website

Update Listing

Services

Personal Financial Planning

We create bespoke financial plans integrating cashflow modelling to help individuals manage wealth across their lifetime. Our approach considers current financial positions, future goals, and risk tolerance to develop sustainable strategies. Clients benefit from ongoing reviews and tax-efficient solutions tailored to their evolving needs.

Business Financial Planning

Our corporate financial planning addresses business tax efficiency, risk management, and succession planning. We help owners align personal wealth with business health through strategic investments and employee benefit schemes. Services include key person protection, partnership agreements, and exit strategy development.

Retirement Planning

We specialise in creating retirement strategies that ensure financial security while maintaining lifestyle choices. Our advice covers pension consolidation, annuity options, and income drawdown plans. We help clients navigate tax implications and optimise state benefits for sustainable retirement income.

Investment Management

Our investment management service utilises advanced cashflow models to create diversified portfolios aligned with client objectives. We offer ethical investment options and regular performance reviews. The approach balances growth potential with risk mitigation across different market conditions.

Inheritance Tax Planning

We develop tax-efficient strategies to preserve wealth for future generations. Services include trust establishment, lifetime gifting strategies, and business property relief planning. Our solutions aim to minimise tax liabilities while ensuring smooth asset transfer according to client wishes.

People

Jeremy Bostock

Director

Jeremy brings extensive financial services experience to his role, combining strategic leadership with hands-on client advisory. His expertise spans corporate finance and personal wealth management, ensuring holistic solutions for business owners.

Emma Connaughton

Chartered Financial Planner

Emma specialises in complex financial planning cases, particularly for high-net-worth individuals. Her client-focused approach and technical proficiency have earned multiple industry recognitions within the financial planning community.

Carolyn Jeffs

Chartered Financial Planner

Carolyn has over 15 years' experience advising clients on retirement planning and tax-efficient investments. She maintains advanced qualifications in inheritance tax mitigation and estate planning strategies.

Craig Bridge

Independent Financial Adviser

Craig specialises in mortgage and protection solutions, helping clients secure their financial futures. His practical approach balances technical expertise with clear communication for long-term client relationships.

Lisa Hartley

Financial Services Office Manager

Lisa oversees daily operations while managing client relationships. Her organisational skills ensure seamless service delivery, as demonstrated by her rapid resolution of client policy issues with Zurich.

Questions

What financial planning services do you offer?

We provide personal and business financial planning covering retirement strategies, investment management, inheritance tax planning, mortgage advice, and corporate financial solutions.

How are your financial planning fees structured?

Our first consultation is free. Wealth management fees depend on asset size and advice complexity. Mortgage and insurance services operate on commission or fixed fees.

Are you regulated by financial authorities?

Yes, we are authorised and regulated by the Financial Conduct Authority as part of Holcombe Wealth Management.

Do you serve clients outside the North-West?

While based in Ramsbottom, we work with clients across the UK through virtual consultations and remote advisory services.

How do you ensure ongoing financial plan effectiveness?

We conduct regular reviews using cashflow modelling software to adapt plans to changing circumstances and market conditions.

What makes you different from other advisers?

Our Chartered status, client-first approach, and integration of business and personal financial planning create comprehensive, tailored solutions.

Reviews (6)

Write a Review

Holly Gordon

Dec 16, 2021 Report

Positive:Professionalism,Quality,Responsiveness
Saw Carolyn a few weeks ago for some general financial guidance/planning for my future.She was so knowledgable and helpful and explained everything in easy to understand terminology. Would certainly use again and have already recommended this company!Thank you.

Andy Tighe

Jan 14, 2021 Report

I received good advice & help from Jeremy & the team to transfer my company pension pot & AVCs out of the company scheme & into a private pension plan. Certain steps in the process were challenging & drawn out due almost entirely to my employer's pension administrator's inefficiencies, but throughout it all the team at Holcombe Financial Services were professional & kept me fully informed of the situation.

Daniel Coulthurst

Jan 05, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Cannot recommend highly enough. Excellent service from start to finish, Lisa was fantastic throughout and made everything easy for us, she even chased up solicitors to ensure paperwork was completed on time and we could move in when we needed to.

Gareth Gaz Rothery

Dec 11, 2019 Report

I just wanted to say how helpful Lisa Hartley at Holcombe Financial Services has been with regards to my recent House move / mortgage etc. This has been an extremely difficult time for me personally and Lisa helped me at every step of the way. I cannot praise her enough for the help that she has given me in order to get my mortgage completed smoothly and with the minimum of fuss. I would highly recommend her to anyone looking to take out or change their mortgage etc.

Ken Heyes

Sep 06, 2019 Report

We recently instructed Lisa Hartley at Holcombe Financial Services to help us through the complicated process of a lifetime Mortgage so we could release equity in our property to enjoy our retirement without a costly monthly repayment. Lisa could not have been more helpful thought the whole transaction, she was always available for help and advice when we needed it was very professional and knowledgeable and we would not hesitate in recommending her for her attitude and ethos of nothing is too much trouble. Thanks again Lisa.

Jan Jspike

Sep 04, 2019 Report

Jeremy, Lisa and the team have all been extremely professional and knowledgeable, in each of the areas of financial advice we required. We now have a new home, tailored for our familys individual needs. We cant thank you enough for your friendly, efficient, supportive approach. Lisa never tired of our many questions! Always getting the information needed in a timely fashion. Thanks again everyone.