Business Details
Your Trusted Partner for Financial Planning Solutions
Chilvester Financial has been providing independent financial planning services for over 25 years. Our client-centric approach combines decades of industry experience with a commitment to delivering tailored advice that addresses individual financial goals. Specialising in retirement planning, business wealth management, and family-focused investment strategies, we work closely with clients to build robust financial plans that evolve with their changing needs. Our team of Chartered Financial Planners and Senior Financial Planners brings both technical expertise and personal insight to every client relationship.As an authorised and regulated firm by the Financial Conduct Authority, we maintain the highest standards of professional conduct while offering transparent fee structures and ongoing support through regular plan reviews. Our collaborative approach extends to working alongside accountants, solicitors, and other professionals to ensure comprehensive wealth management solutions. With offices in Chippenham, Newbury, and Bristol, we serve clients across Wiltshire and surrounding regions, combining local knowledge with national regulatory compliance.
Services
Retirement Planning
Business Financial Planning
Family Wealth Management
Investment Management
Estate Planning
Highlights and features
- We have over 25 years of experience in independent financial planning
- Our team includes Chartered Financial Planners with specialist expertise
- We maintain transparent fee structures with agreed-upon costs
- Our collaborative approach works with your existing professional advisers
- We serve local communities across Wiltshire and surrounding areas
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Retirement Planning
Our retirement planning service helps clients navigate all stages of retirement preparation. We create tailored strategies that consider current financial status, future aspirations, and risk tolerance. Through annual plan reviews and market analysis, we ensure clients maintain financial security throughout their retirement years while optimising tax efficiency.
Business Financial Planning
Specialised financial solutions for business owners covering succession planning, wealth protection, and tax-efficient strategies. We address key transition points including business expansion, sale, and retirement, ensuring alignment between personal financial goals and company valuation. Regular reviews maintain plan relevance through business lifecycle changes.
Family Wealth Management
Comprehensive strategies for intergenerational wealth transfer and family financial security. Our services include estate planning, inheritance tax mitigation, and investment management tailored to family dynamics. We implement protective measures while maintaining liquidity for current family needs and future generations.
Investment Management
Active portfolio management services that align with individual risk profiles and financial objectives. We provide quarterly performance reviews, asset allocation adjustments, and market opportunity analysis. Our approach combines strategic long-term planning with responsive adjustments to economic changes while maintaining client-specific investment parameters.
Estate Planning
Specialised estate planning services focusing on asset preservation and efficient wealth transfer. We implement legal structures like trusts while considering inheritance tax implications. Our approach balances immediate family needs with long-term wealth conservation strategies, incorporating life assurance and gifting strategies where appropriate.
People
Andy Tottman
Managing Director, Financial Planner
Andy Tottman leads Chilvester Financial as Managing Director, specialising in business owner financial planning. With extensive industry experience, he provides strategic wealth management advice while actively supporting local community initiatives through Chilvester's sponsorship programs.
Sam Binstead
Director, Chartered Financial Planner
Sam Binstead serves as a Chartered Financial Planner and chairs the Investment Committee. His expertise in retirement planning complements his focus on business owner financial strategies. Outside work, he maintains active involvement in local outdoor activities and community engagement.
Darren Broomfield
Senior Financial Planner
Darren Broomfield joined Chilvester through the Sovereign Asset Management acquisition in 2022. As a Senior Financial Planner, he brings substantial experience in investment management and client relationship development while maintaining active participation in local community events.
Questions
What financial planning services do you offer?
We provide retirement planning, business financial planning, family wealth management, investment management, and estate planning services tailored to individual client needs.
How does your financial planning process work?
Our process begins with a comprehensive financial review, followed by strategy development and implementation. We conduct annual reviews for fully managed clients and provide ongoing support through our client portal.
Are your financial advisers qualified?
Yes, our team includes Chartered Financial Planners and Senior Financial Planners regulated by the Financial Conduct Authority with extensive industry experience.
What areas do you cover?
We operate from offices in Chippenham, Newbury, and Bristol, serving clients across Wiltshire, Gloucestershire, and surrounding regions.
How are your fees structured?
We maintain transparent fee structures with agreed-upon costs before starting work. Our fees vary based on service complexity and are discussed during initial consultations.
Can you help with investment portfolio management?
Yes, we offer active portfolio management services with quarterly reviews, asset allocation adjustments, and market opportunity analysis aligned with individual financial objectives.
Reviews (2)
As Miller
Nov 01, 2016
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This is not a game for rushing to judgement. I have been dealing with Chilvester for about 15 years now & been happy throughout.
Aaron B. Cain
Aug 19, 2016
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The service we received from all the personnel at Chilvester, and especially from our Mortgage Advisor was superb. No questions were considered trivial, no effort on their part was too much. They made the entire process simple and added the human touch to what could otherwise have been a complex and impersonal endeavour. We would highly recommend Chilvester Financial to anyone
