Business Details
Trusted Independent Financial Advisers in Leeds
Cowling Rawnsley Financial Solutions is an independent financial advisory firm dedicated to placing clients' interests above those of banks or insurance companies. Established with a commitment to transparency and client-centric service, we offer products from the entire market to address pension, mortgage, protection, investment, and inheritance needs. Our team of professional advisers prioritises understanding individual client goals, providing tailored advice to help achieve long-term financial objectives. With a focus on building lasting relationships, we combine industry expertise with a personalised approach to financial planning.Our services are underpinned by authorisation and regulation from the Financial Conduct Authority, ensuring adherence to rigorous professional standards. We aim to demystify complex financial topics, offering clarity and confidence in decision-making for retirement planning, property purchases, life protection, and wealth management. By maintaining independence, we ensure recommendations are driven solely by client needs rather than institutional interests.
Services
Pensions
Mortgages
Protection
Investments
Inheritance Tax Planning
Highlights and features
- We are independent financial advisers regulated by the Financial Conduct Authority.
- We offer whole-of-market product access tailored to individual client needs.
- Our team provides bespoke advice for pensions, mortgages, and inheritance planning.
- We prioritise client interests over institutional affiliations or bank partnerships.
- We combine 18 years of industry experience with transparent, long-term relationship-building.
Associations and certifications
- Financial Conduct Authority
Services
Pension Advice
Our pension advisory service helps clients navigate complex retirement planning through tailored strategies. We assist with accumulation phase contributions, tax-efficient planning, and withdrawal options including annuities, income drawdown, and third-way solutions. With expertise in lifetime annuities, investment-linked options, and impaired life products, we provide comprehensive guidance to maximise retirement income while considering individual circumstances and risk profiles.
Mortgage Advice
We offer end-to-end mortgage advisory services covering initial affordability assessments, decision-in-principle applications, and full mortgage submissions. Our process includes valuation support, legal referrals through preferred partners, and life insurance recommendations. We help clients understand different mortgage products and structures to find solutions aligned with their financial situation and property purchase goals.
Life Protection
Our protection services encompass mortgage life cover, family income benefits, and whole-of-life policies. We help clients understand the importance of safeguarding their family's financial security through tailored protection strategies. Our advisers explain different policy types and recommend coverage amounts that align with individual circumstances and financial obligations.
Investment Advice
We provide guidance on retail investment products including ISAs, unit trusts, investment funds, and structured products. Our advisers assess clients' risk tolerance and financial goals to recommend suitable investment strategies. We explain different fund types such as managed funds, tracker funds, and higher-risk sector-specific options to build diversified portfolios aligned with client objectives.
Inheritance Tax Planning
Our inheritance tax advisory service helps clients understand potential IHT liabilities and implement mitigation strategies. We explain how increasing property values and investments may affect estate tax exposure, and provide guidance on planning options to preserve wealth for future generations while ensuring compliance with current tax regulations.
Questions
What financial services do you specialise in?
We specialise in pensions, mortgages, life protection, investments, and inheritance tax planning.
Are you regulated by any financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority.
How do you approach mortgage advice?
We guide clients through the entire mortgage process from initial consultation to completion.
What makes you different from bank-based advisers?
As independent advisers, we're not tied to any bank or insurance company products.
Do you offer protection insurance policies?
Yes, we offer mortgage protection, family income benefits, and whole-of-life policies.
How can you help with retirement planning?
We provide tailored pension advice covering both accumulation and withdrawal phases.
