Business Details
26 Years
experience
Trusted Financial Advisers in Cheltenham
Montpellier Asset Management has been delivering tailored financial solutions since 2000, operating from our Cheltenham headquarters. Our team of experienced advisers specialises in creating transparent, cost-effective strategies for investment, tax, retirement, estate, and mortgage planning. We prioritise long-term client relationships, ensuring our advice evolves with life changes while maintaining fee-based independence to eliminate product bias. Our approach combines deep market knowledge with a commitment to ethical, goal-oriented financial management.We serve clients across the UK through a network of advisers, focusing on empowering individuals to achieve financial security and economic freedom. Our expertise in structuring tax-efficient portfolios and navigating complex financial landscapes has driven our growth through client referrals. As an FCA-authorised firm, we adhere to rigorous regulatory standards, ensuring client trust and compliance in all our operations.
Services
Investment Planning
Tax Planning
Retirement Planning
Estate Planning
Mortgage Planning
Details
- Year established: 2000
Highlights and features
- We are a fee-based firm with no commission bias in recommendations
- Our advisers have over 20 years' combined experience in financial planning
- We specialise in tax-efficient investment strategies and estate planning
- Our client-centric approach focuses on long-term relationship building
- We offer transparent, straightforward investment management solutions
Associations and certifications
- Financial Conduct Authority
- Financial Ombudsman Scheme
What people say
Good in-depth knowledge
Comfortable referring clients
Trusted advisory relationships
Transparent approach
Long-term commitment
Services
Investment Planning
Our investment planning service creates tailored portfolios using low-cost index tracking funds to ensure long-term growth. We focus on eliminating commission bias through our fee-based model while providing transparent strategies that adapt to changing financial goals. With expertise in tax-efficient structures, we help clients build diversified investment solutions that align with their risk profiles and financial objectives.
Tax Planning
We specialise in structuring assets to maximise tax efficiency, from simple transfers between spouses to complex trust arrangements. Our strategies incorporate EIS/VCT investments and corporate tax planning for business owners. By staying current with regulatory changes, we help clients legally minimise tax liabilities while ensuring compliance with HMRC requirements across all financial decisions.
Retirement Planning
Our retirement planning service assesses existing pension provisions and develops strategies to achieve desired income levels. We provide comprehensive guidance on pension consolidation, drawdown options, and tax-efficient withdrawals. With expertise in both personal and corporate pension schemes, we ensure clients can transition to retirement with financial confidence and security.
Estate Planning
We help clients protect and transfer wealth through tailored estate planning solutions. Our services include inheritance tax mitigation, trust creation, and beneficiary protection strategies. By addressing both tax implications and asset safeguarding, we ensure clients' wishes are fulfilled while protecting beneficiaries from potential financial mismanagement or external threats.
Mortgage Planning
Our independent mortgage advice covers residential, investment, and buy-to-let properties with access to whole-of-market products. We specialise in equity release solutions for retirement funding while providing comprehensive guidance on mortgage restructuring and property investment strategies tailored to individual financial circumstances.
People
Simon Whitney
Managing Director
With over 30 years' experience in financial services, Simon established Montpellier Asset Management in 1991. He specialises in investment management and tax-efficient portfolio structuring, having previously worked with a leading City stockbroker. His expertise spans wealth management for entrepreneurs and trustees.
Mike Riddell
Wealth Manager
Mike brings 20+ years' experience in financial planning, specialising in pension and tax-efficient investment advice. His background in retail management enhances his client communication skills. He joined Montpellier in 2017 after building his own IFA business.
Richard Turnbull
Wealth Manager
Richard joined in 2021 with expertise in mortgage advice and ethical investing. He combines goal-based financial planning with property market knowledge to help clients achieve homeownership aspirations while managing investment portfolios effectively.
Chris Riddell
Wealth Manager
With 12 years' experience, Chris specialises in pension and tax planning. His accountancy background enhances his ability to create tax-efficient solutions. He joined Montpellier in 2021 after working at a national financial firm.
Tim Brienza
Wealth Manager
Tim holds Chartered status and Fellow accreditation from the CII. With 10 years' experience in wealth management, he provides tailored advice based on deep client understanding. He joined Montpellier in 2024 after working as a Director at a Bristol-based firm.
Questions
What makes Montpellier's financial advice different?
We operate on a fee-based model with no commission bias, ensuring completely independent recommendations tailored to your specific financial circumstances and goals.
Do you offer tax-efficient investment options?
Yes, we specialise in tax-efficient structures including EIS/VCT investments and trust arrangements to help legally minimise your tax liabilities while growing your wealth.
How do you approach retirement planning?
We conduct comprehensive pension reviews and create tailored strategies to ensure you achieve your desired retirement income level through tax-efficient withdrawal plans and portfolio management.
Can you help with property-related financial planning?
Our services include mortgage advice, equity release solutions, and property investment strategies tailored to both residential and buy-to-let requirements across the UK market.
What estate planning services do you offer?
We provide inheritance tax mitigation, trust creation, and wealth transfer strategies to protect your assets and ensure they pass to your chosen beneficiaries efficiently.
How are your investment management fees structured?
We operate on a transparent fee-based model with no product commissions, ensuring our recommendations focus solely on your financial objectives rather than sales incentives.
