Business Details
11 Years
experience
Independent Financial Planning in Cheltenham
Established in 2015, we are independent financial advisers based in Cheltenham, serving clients across the South West. Our expertise lies in crafting tailored financial strategies for small to medium business owners and individuals planning for retirement. We prioritise transparency, honesty, and long-term relationships, ensuring our clients' financial plans adapt to life's challenges while protecting their assets. With over 109 million under advice and 295 clients, our growth stems from client recommendations and professional partnerships.Our team, led by Director Ben Ellis, combines technical proficiency with a client-first approach, supported by IASME Gold Accreditation for data security. We publish our fees openly, a rare practice in financial services, and follow a five-stage process to align strategies with clients' evolving needs. Our philosophy mirrors the resilience of a cactusbuilding wealth, protecting resources, and thriving through adaptability.
Services
Financial Planning
Retirement Planning
Investment Advice
Business Financial Strategies
Inheritance Management
Details
- Year established: 2015
Highlights and features
- We publish our fees openly for complete transparency.
- Our team holds IASME Gold Accreditation for data security.
- We specialise in retirement and business financial planning.
- We follow a structured five-stage advisory process.
- We prioritise long-term relationships built on trust and understanding.
Associations and certifications
- IASME Gold Accreditation
What people say
Good well-informed information
Easy to understand
Friendly and approachable
Supplement retirement income
Proactive and clear
Services
Financial Planning
We create tailored financial plans to help clients achieve long-term security. Our approach focuses on retirement preparation, asset protection, and adapting to life's changes. By combining technical expertise with personal understanding, we ensure strategies align with individual goals and risk profiles.
Retirement Planning
Our retirement planning service ensures clients maintain their desired lifestyle post-retirement. We analyse current assets, project future needs, and implement tax-efficient solutions. Regular reviews keep plans aligned with evolving regulations and personal circumstances.
Investment Advice
We provide strategic investment guidance to grow and protect wealth. Our recommendations consider risk tolerance, time horizons, and financial objectives. From inheritance management to retirement income generation, we focus on sustainable, diversified portfolios.
Business Financial Strategies
Tailored financial solutions for small to medium business owners. We address succession planning, tax efficiency, and personal wealth management alongside business growth. Our goal is to ensure entrepreneurs maintain financial control while scaling operations.
Inheritance Management
We help clients optimise inherited assets through strategic investment and tax planning. Our approach balances immediate needs with long-term growth, ensuring inheritances contribute effectively to overall financial goals like retirement or property purchases.
People
Ben Ellis
Director and Financial Planner
Ben founded Cactus Financial Planning in 2015. With over 15 years' experience, he specialises in retirement and business financial planning. Clients praise his clear communication and proactive approach to managing complex financial situations.
Simon
Senior Financial Planner
Simon brings extensive expertise in investment strategies and pension planning. He works closely with clients to develop adaptable financial plans, focusing on long-term security and tax-efficient wealth management for individuals and businesses.
Questions
What areas do you serve?
We operate in Cheltenham and across the South West, providing financial advice to clients nationwide through digital consultations.
How do you charge for services?
We publish our transparent fee structure online. Our charges depend on the complexity of your financial situation and required services, with no hidden costs.
What specialisms do you offer?
We focus on retirement planning, business financial strategies, and inheritance management, supporting clients with tailored advice aligned to their specific life goals.
How are you regulated?
We're authorised by the Financial Conduct Authority (FCA) under reference 990743, ensuring compliance with strict regulatory standards for client protection.
How often are plans reviewed?
We recommend annual reviews, with additional check-ins available for significant life changes or market adjustments affecting your financial strategy.
