Business Details
31 Years
experience
Your Trusted Partner for Independent Financial Advice
Cambourne Financial Planning Financial Planning has been delivering independent financial advice since 1995, prioritising unbiased solutions tailored to individual client needs. Our independence allows access to the entire market, ensuring clients receive the most appropriate financial strategies. With over 30 years of collective experience, our team specialises in holistic financial planning, retirement strategies, tax efficiency, and inheritance tax mitigation.We pride ourselves on building long-term relationships grounded in trust, integrity, and a deep understanding of clients' evolving financial landscapes. Our approach combines technical expertise with a client-centric ethos, ensuring financial plans adapt to life's uncertainties while safeguarding wealth against unforeseen events.
Services
Holistic Financial Planning
Retirement Planning
Tax Efficiency
Cashflow Planning
Inheritance Tax Planning
Mortgages
Investment Advice
Financial Protection
Pension Management
Estate Planning
Details
- Year established: 1995
Highlights and features
- We offer 30+ years of independent financial advisory experience
- Our team holds Chartered Financial Planner and FCSI designations
- We provide whole-of-market, unbiased investment solutions
- Regulated by the Financial Conduct Authority for compliance excellence
- Client-centric approach with multi-generational relationship focus
Associations and certifications
- Financial Conduct Authority
What people say
Excellent knowledge
Personalised service
Long-lasting relationships
Trust implicitly
Expert advice
Services
Holistic Financial Planning
Our holistic approach integrates investment management, tax planning, and retirement strategies to create comprehensive financial roadmaps. We assess clients' complete financial situations to develop tailored solutions addressing both immediate needs and long-term objectives. By coordinating all aspects of wealth management, we ensure cohesive strategies that adapt to evolving personal circumstances and market conditions.
Retirement Planning
We design retirement plans that balance income requirements with investment growth potential. Our specialists help clients transition from salary-based income to sustainable retirement portfolios through pension optimisation and income drawdown strategies. Regular reviews ensure plans remain aligned with changing regulations and personal circumstances while maintaining tax efficiency.
Tax Efficiency
Our tax planning services identify legitimate opportunities to reduce tax liabilities across income, capital gains, and inheritance. We implement strategies using tax-advantaged wrappers and structure investments to maximise after-tax returns. Collaborating with accountants when needed, we ensure compliance while optimising clients' financial positions within regulatory frameworks.
Inheritance Tax Planning
We develop strategies to protect wealth transfers across generations while minimising inheritance tax exposure. Through will planning, trust structures, and gifting strategies, we help clients preserve legacies for beneficiaries. Our approach balances tax efficiency with clients' wishes for asset distribution and family financial security.
Cashflow Planning
Using advanced modelling tools, we create dynamic cashflow projections to test financial strategies against various life scenarios. This helps clients understand retirement readiness, major purchase impacts, and investment sustainability. Regular updates ensure financial plans remain aligned with evolving goals and economic conditions.
People
Mark Adams
Managing Director & Financial Planner
With 40+ years in financial services, Mark specialises in long-term client relationships and investment strategy. He established Cambourne Financial Planning's first independent advisory business in 1987 and focuses on holistic wealth management solutions.
Mark Loydall
Director & Chartered Financial Planner
A Chartered Financial Planner with MSc qualifications, Mark oversees business operations and technical strategy. He manages Cambourne Financial Planning's IT infrastructure while maintaining client advisory responsibilities, combining technical expertise with operational leadership.
Orlene Palmer
Senior Advisor
With 30+ years in financial services, Orlene provides ongoing advisory support to corporate and individual clients. Her career spans technical support to advisory roles, focusing on evolving client needs and long-term financial planning.
Richard Wilkinson
Chartered Financial Planner
Specialising in pensions and investment planning, Richard has 40 years' industry experience. He transitioned from technical support to advisory roles in 2003, focusing on creating tailored financial solutions for clients' long-term security.
Faith Wignall
Mortgage & Protection Specialist
Qualified in both mortgage and protection advising, Faith offers comprehensive financial solutions. She joined Cambourne Financial Planning in 2013, combining technical expertise with a client-focused approach to mortgage and risk management strategies.
Questions
What financial planning services do you offer?
We provide holistic financial planning, retirement strategies, tax efficiency solutions, cashflow modelling, inheritance tax planning, mortgage advice, and investment management tailored to individual client needs.
How do you charge for your services?
Our fees are transparently structured through initial consultation discussions. We offer both hourly rates and ongoing advisory retainers depending on client requirements and complexity of financial planning needs.
Are you regulated by the FCA?
Yes, Cambourne Financial Planning is authorised and regulated by the Financial Conduct Authority, ensuring compliance with strict professional standards and client protection requirements.
How do you handle investment risk?
We employ diversified investment strategies using multiple managers and tax wrappers. Our approach balances risk against client objectives through regular portfolio reviews and market analysis.
Can you help with pension transfers?
Yes, we specialise in pension consolidation, SIPP management, and retirement income planning. Our team has extensive experience handling complex pension arrangements and regulatory compliance.
What areas do you cover?
While based in Loughborough, we serve clients throughout the UK, providing both in-person consultations and remote advisory services to individuals and businesses nationwide.
