Business Details
41 Years
experience
Trusted Chartered Financial Advisers in Barnstaple
Established in 1985, Philip J Milton has built a reputation as a trusted provider of independent financial planning and wealth management services. As a Chartered Financial Planners firm, we adhere to rigorous professional standards while offering tailored solutions for individuals, companies, trusts, and charities. Our team of experienced advisers, including three Chartered Financial Planners, delivers comprehensive services ranging from retirement planning and discretionary wealth management to probate administration and business financial planning.Based in a Grade 2 listed property in North Devon, we combine traditional values with modern financial expertise. Our commitment to excellence was formally recognised in 2018 when we received the prestigious Corporate Chartered Firm status from the Chartered Insurance Institute. We maintain transparency in our operations, clearly disclosing regulatory information and service limitations while providing detailed guidance on all our offerings.
Services
Financial Planning
Wealth Management
Retirement Planning
Probate Services
Mortgage Advice
Tax Planning
Estate Administration
Will Writing
Business Financial Planning
Investment Management
Details
- Year established: 1985
Highlights and features
- Awarded prestigious Corporate Chartered Firm status by the Chartered Insurance Institute
- Three Chartered Financial Planners with decades of combined experience
- Comprehensive services covering financial planning, wealth management, and probate administration
- Established reputation serving clients in Devon and the South West since 1985
- Transparent fee structure with competitive pricing on probate and LPOA services
Associations and certifications
- Chartered Insurance Institute (CII)
What people say
Peace of mind
Act in my best interests
Made my job easier
Very efficient service
Caring company
Services
Financial Planning
Our comprehensive financial planning service helps clients achieve long-term financial goals through personalized strategies. We specialise in retirement planning, tax-efficient investments, and estate planning while maintaining FCA-regulated standards. Clients benefit from our Chartered status and decades of experience in creating tailored financial roadmaps that adapt to changing life circumstances and market conditions.
Probate Administration
We provide professional probate administration services that simplify the estate settlement process during difficult times. Our team handles HMRC interactions, asset distribution, and legal documentation with compassion and efficiency. Unlike many providers, we charge only time-based fees without percentage-based charges on estate value, offering significant cost savings while maintaining the highest professional standards.
Discretionary Wealth Management
Our discretionary wealth management service offers tailored investment solutions for income generation and capital growth. With access to diverse investment vehicles including ISAs, pensions, and offshore bonds, we create personalized portfolios that align with clients' risk profiles and financial objectives. The service includes complimentary annual reviews to ensure ongoing suitability and performance optimization.
Mortgage Advice
We provide impartial mortgage advice covering residential, buy-to-let, and equity release solutions. Our advisers help clients navigate the complex mortgage market to find competitive rates and suitable financing options. We offer exclusive deals available only through professional intermediaries while ensuring affordability assessments meet regulatory requirements and client needs.
Business Financial Planning
Our business financial planning service addresses corporate clients' needs through specialized solutions including keyperson insurance, pension planning, and tax-efficient remuneration strategies. We work closely with business owners to develop comprehensive financial frameworks that support company growth while ensuring compliance with regulatory requirements and industry best practices.
People
Philip J Milton
Managing Director
With over 35 years' experience, Philip is a Chartered Financial Planner and Fellow of the Chartered Insurance Institute. He leads our team with expertise in financial planning and wealth management, maintaining a client-focused approach that has built lasting relationships with individuals and businesses across the South West.
Scott W J Pickard
Director
As a Chartered Financial Planner, Scott specialises in complex financial solutions and retirement planning. With extensive experience in the industry, he provides expert guidance to clients while maintaining the highest professional standards that have contributed to our Corporate Chartered status.
Helen Milton
Director
Helen brings significant financial expertise to our leadership team, focusing on client relationship management and business strategy. Her experience in financial services and commitment to professional excellence supports our ongoing mission to deliver exceptional client service.
Sandra Bright
Director
Sandra plays a key role in our operations, combining financial expertise with client service excellence. Her focus on delivering tailored solutions and maintaining our high professional standards contributes to our reputation as leading Chartered Financial Advisers in North Devon.
Adam Cooke
Non-Executive Chairman
Bringing extensive industry experience to our board, Adam provides strategic leadership while ensuring adherence to the highest professional standards. His oversight helps maintain our commitment to excellence in financial planning and wealth management services.
Questions
What financial services do you offer?
We provide comprehensive financial planning, wealth management, retirement planning, mortgage advice, probate administration, tax planning, and business financial solutions with Chartered professional standards.
Are you regulated by the FCA?
Yes, we are authorised and regulated by the Financial Conduct Authority (reference: 181768) for most financial services, though some areas like probate and will writing fall outside their regulation.
What makes you different from other financial advisers?
We combine Chartered status with competitive pricing, offering time-based probate fees instead of percentage-based charges and complimentary annual investment reviews included in our management fees.
Do you offer free initial consultations?
Yes, we provide free initial consultations for probate services and will writing, with no obligation to proceed, allowing you to make informed decisions about your financial needs.
How are your investment management fees structured?
Our fees include competitive annual management charges with complimentary regular reviews, providing transparent pricing without additional fees for standard service elements.
What areas do you serve?
Based in Barnstaple, Devon, we serve clients across the South West including Cornwall, Somerset, and Dorset, with established relationships extending to Kent and Herefordshire.
Reviews (6)
Peter Mccarrick
Nov 16, 2021
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Nothing was to much trouble, PJ Miton were first class I would highly recommend them to anyone seeking financial advice especially Pentions and miss selling of Pentions. 5 service & 5 results.
Regards
Peter Mccarrick
Regards
Peter Mccarrick
Jill McCallum
Nov 08, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
I cannot recommend Philip and his team highly enough. Their care and assistance is second to none and I would be lost in the pension maze without them. They always take the time to explain everything in easy terms and nothing is too much trouble for them.
I cannot recommend Philip and his team highly enough. Their care and assistance is second to none and I would be lost in the pension maze without them. They always take the time to explain everything in easy terms and nothing is too much trouble for them.
Chris OConnell
Sep 30, 2021
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The administrators of my pension asked PJ Milton to take over the managment of my pension after the previous pension management had made investments outside the scope of the pension funds remit leading to substantial losses on my original investment - my financial advisor had gone out of business likely because of the claims against it from others like me who has taken their advice to transfer our pensions - PJ Milton offered me a low cost administration service to follow up with the FSCS ombudsman for compensation. Although I could have done the claim myself - I felt that using PJ Milton's experience
Mark Bradley
Aug 17, 2021
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Positive:Professionalism
The firm is always trying to help, where ever they can. Nothing is to big, and they make time and help you, much as they can. It's a great feeling their supporting you. Would be lost without them. A massive thank you
The firm is always trying to help, where ever they can. Nothing is to big, and they make time and help you, much as they can. It's a great feeling their supporting you. Would be lost without them. A massive thank you
Linda Simmonds
Jul 28, 2021
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Felix and Sophia have been my life saver after another pension company lost nearly all of my pension. I would recommend them to anyone nothing is to much trouble for them.
Phil Puglsey
Mar 25, 2021
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I've found Philip J Milton & Co depth of knowledge to be most helpful. They are only a phone call or email away, going above and beyond, making sure they give the best possible service. I have benefited financially from the time and effort they spent addressing previous poor financial advice.
