Radcliffe & Co Life & Pensions

Business Details

Independent Financial Advisers in Southampton

Established over six decades ago, our firm has built a reputation for delivering informed, impartial, and independent financial advice tailored to individual and corporate clients. Our team of 40+ professionals, including directors, advisers, and support staff, prioritises client needs through a collaborative approach rooted in shared values. We specialise in cash-flow modelling to illustrate financial scenarios, supported by an internal Investment Committee managing strategies and fund performance. As authorised and regulated financial advisers by the Financial Conduct Authority, we maintain rigorous compliance standards while utilising products from trusted partners in investment, technology, and insurance sectors.

Our commitment to long-standing relationships is reflected in our service to 6,000+ individual clients and 100+ corporate clients nationwide, with dedicated expertise in niche markets such as aviation, armed forces, and independent schools. We combine proven methodologies with personalised solutions to help clients achieve their financial goals.

Services

Pension Planning Tax Planning Investment Management Protection Cover Corporate Financial Advice

Highlights and features

We offer 60+ years of experience in independent financial advice
Our team of 40+ professionals provides personalised client support
We utilise advanced cash-flow modelling techniques for financial planning
Our FCA authorisation ensures regulatory compliance and client protection
We specialise in niche markets including aviation and armed forces

Associations and certifications

Financial Conduct Authority

What people say

Knowledgeable advisers Personalised approach Long-term commitment

Website

Update Listing

Services

Pension Planning

We help clients optimise pension arrangements through comprehensive planning strategies. Our advisers specialise in retirement income solutions, tax-efficient withdrawals, and pension consolidation. With expertise in both personal and corporate pension schemes, we ensure clients maximise their retirement savings while complying with regulatory requirements.

Tax Planning

Our tax planning services focus on legitimate strategies to minimise tax liabilities. We advise on inheritance tax mitigation, capital gains tax planning, and income tax efficiency. By integrating tax considerations into overall financial strategies, we help clients preserve wealth across generations while maintaining compliance with HMRC regulations.

Investment Management

We offer tailored investment solutions aligned with client risk profiles and financial goals. Our Investment Committee oversees portfolio strategies, fund selection, and performance monitoring. Through regular reviews and market analysis, we ensure optimal asset allocation across equities, bonds, and alternative investments to achieve long-term growth.

Protection Cover

We provide comprehensive protection strategies including life insurance, critical illness cover, and income protection. Our advisers assess individual needs to recommend appropriate coverage levels. We work with leading insurers to secure competitive premiums while ensuring adequate financial safeguards for clients' families and dependants.

Corporate Financial Advice

We support businesses with group pension schemes, employee benefits, and protection strategies. Our corporate advisers help implement auto-enrolment compliance, executive share schemes, and business succession planning. We focus on enhancing employee retention while ensuring cost-effective financial solutions for growing companies.

People

Neil Igglesden

Managing Director

With extensive industry experience, Neil leads our team of financial advisers. He specialises in strategic financial planning and oversees the firm's investment strategies. Neil ensures our clients receive expert guidance aligned with regulatory standards.

Questions

What financial services do you specialise in?

We specialise in pension planning, tax optimisation, investment management, protection cover, and corporate financial advice.

How do you tailor advice to individual needs?

Our cash-flow modelling illustrates scenarios to create personalised financial strategies aligned with client goals.

Are you regulated by financial authorities?

Yes, we are authorised and regulated by the Financial Conduct Authority (FCA).

Do you work with corporate clients?

We support over 100 companies with group pensions, employee benefits, and protection solutions.

What specialist markets do you serve?

We provide tailored advice for aviation professionals, armed forces officers, and independent schools.

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Reviews (4)

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Tracy Houldsworth

Apr 19, 2021 Report

The professional service I have had from Radcliffes over the last year has been second to none.
Jacqui and her team have been not only friendly , but totally knowledgable and helpful with any questions I have had , and made me feel a 100% confident with trusting them with the movements of my personal finances and financial situation. I would definitely recommend them , as the place to go , especially if you are considering moving your money away from an airline pension scheme.
Thankyou for the Excellent First class service.
Tracy Houldsworth ( ex Stewardess of 35 years).

Tony Kebby

Dec 10, 2019 Report

Jack and Amy provide a first class service Nothing is too much trouble. Everything is explained in simple layman's terms. Anyone considering to invest in a private portfolio can be assured that your interests are in safe hands

Tony Wade

Nov 10, 2019 Report

Radcliffe have taken good care of our finances since the 1990's, and our special thanks go to Richard for his friendly helpful advice, and his professionalism in our meetings.

Justin Tate

Aug 12, 2019 Report

Have worked with Radcliffe & Co. for 15 years, initially in regards to their handling of our company pension, and now my own investments. Service always very good. Can highly recommend.