Business Details
25 Years
experience
Trusted Financial Planning Services in Manchester
Established in 2001, Concerva has built a reputation for delivering expert, client-focused financial advice. Our team of Chartered Financial Planners combines deep technical knowledge with a collaborative approach, ensuring clients receive comprehensive solutions tailored to their unique circumstances. Holding Corporate Chartered Status from the Chartered Insurance Institute, we adhere to the highest professional and ethical standards. With expertise in retirement planning, wealth management, tax planning, and protection, we serve individuals and families seeking to secure their financial futures.Our salaried advisory team prioritises client interests without product sales incentives, supported by dedicated paraplanners and administrators. Through continuous professional development and a commitment to industry best practices, we maintain the trust of our clients and uphold our position as one of the UK's premier financial planning firms.
Services
Retirement Planning
Wealth Management
Tax Planning
Protection Advice
Personal Injury Trusts
Family Office Services
Details
- Year established: 2001
Highlights and features
- We hold Corporate Chartered Status from the Chartered Insurance Institute
- Our salaried advisers have no product sales incentives
- Specialist expertise in pension, tax, and estate planning
- Team of 8 qualified financial planners with 100+ combined years' experience
- Comprehensive paraplanning support for detailed, accurate advice
Associations and certifications
- Chartered Insurance Institute (CII)
What people say
Expert pension specialists
Excellent estate planning
Professional team
Thorough advice
Trustworthy service
Services
Retirement Planning
We help clients navigate complex retirement planning decisions through comprehensive analysis of pension schemes including SIPPs, SSASs, and executive pensions. Our specialists provide tailored strategies for income optimisation and benefit preservation. With expertise in inheritance tax implications and regulatory compliance, we ensure clients make informed decisions aligned with their long-term objectives.
Wealth Management
Our wealth management service creates customised investment strategies using ISAs, unit trusts, and venture capital trusts. We focus on long-term security while considering immediate financial goals. The team provides ongoing portfolio reviews and market analysis to optimise returns within clients' risk parameters, with specialist knowledge in intergenerational wealth transfer.
Tax Planning
Specialists identify tax planning opportunities across inheritance, capital gains, and income tax domains. We develop strategies to minimise tax liabilities while maintaining financial objectives. Our approach integrates estate planning and trust structures to ensure compliance with evolving tax regulations while maximising asset preservation.
Protection Advice
We provide comprehensive protection solutions including life assurance, critical illness cover, and income protection. Our advice ensures families and businesses maintain financial security through tailored insurance structures. We specialise in complex arrangements like shareholder protection and private medical insurance, balancing coverage needs with affordability.
Personal Injury Trusts
Specialist team manages high-value personal injury settlements through appropriate trust structures. We ensure compliance with Court of Protection requirements while optimising fund management. The service includes ongoing administration support and investment strategies tailored to claimants' long-term care needs.
People
Martyn Mulligan
Managing Director (HR, Marketing and Finance)
Pension specialist with SIPP/SSAS expertise, focusing on retirement and inheritance tax planning. Qualified PADI diver and Liverpool FC supporter with 25+ years' financial services experience.
Simmy Goldmeier
Managing Director (Operations and Compliance)
Chartered Financial Planner specialising in estate planning and inheritance tax mitigation. Full STEP member with expertise in delivering comprehensive financial solutions to high-net-worth families.
Nigel Charlwood
Director
Experienced financial adviser monitoring investment companies recommended to clients. Former Arthur Andersen professional with 35+ years' industry experience, specialising in investment strategy and client advisory services.
Ian Bromley
Director/Financial Planner
30+ years' experience in financial services, previously served as Managing Director. Specialises in complex financial planning cases and regulatory compliance matters for the firm.
Mark Tomlinson
Director/Chartered Financial Planner
Fellow of the Personal Finance Society with expertise in holistic financial planning. Specialises in tax planning and investment strategies, maintaining client relationships across multiple generations.
Questions
What qualifications do your advisers hold?
All directors are Chartered Financial Planners or hold equivalent qualifications, with specialist expertise in pensions, tax planning, and estate management.
How are you regulated?
We are authorised and regulated by the Financial Conduct Authority (FCA) under registration number 196679.
What areas do you specialise in?
Our core specialisms include retirement planning, wealth management, tax planning, protection advice, and personal injury trust arrangements.
How are you compensated for your services?
Our advisers are salaried professionals with no product sales incentives, ensuring impartial advice focused solely on client needs.
What makes you different from other firms?
We combine Corporate Chartered Status with collaborative team expertise, offering comprehensive financial solutions without product sales bias.
How do you handle ongoing client relationships?
We provide continuous support through regular reviews and market updates, maintaining long-term relationships with clients and their families.
