Business Details
Trusted Independent Financial Advisers in Barnstaple
Established in Barnstaple, Eclipse Financial Solutions has been delivering trusted financial advice for over three decades. Our team of experienced advisors specialises in mortgages, protection, pensions, investments, and retirement planning, offering independent, whole-market recommendations tailored to individual client needs. Regulated by the Financial Conduct Authority, we prioritise transparency, ethical practices, and long-term client relationships. With deep local knowledge and a commitment to cutting-edge financial strategies, we empower clients across Devon and beyond to make informed decisions.Our expertise spans first-time buyer mortgages, lifetime mortgages, equity release, and business-focused solutions. We combine technical proficiency with a personal touch, ensuring clients understand complex financial products. Our advisors hold industry-recognised qualifications, including DipPFS and CeMap, and we maintain rigorous internal procedures for client satisfaction. By focusing on clarity and practical outcomes, we help clients navigate financial challenges and achieve prosperity.
Services
Mortgages
Protection
Lifetime Mortgages
Retirement Planning
Savings & Investments
Pensions
Equity Release
Business Owners Services
Employee Benefits
Commercial Insurance
Highlights and features
- We offer 30+ years of independent financial advisory experience in Barnstaple.
- Our FCA-regulated services cover the entire UK mortgage and investment market.
- We provide tailored advice with transparent, jargon-free explanations of financial products.
- Our team holds industry-recognised qualifications including DipPFS and CeMap certifications.
- We specialise in complex financial solutions for both personal and business clients.
Associations and certifications
- Financial Conduct Authority
Services
Mortgages
We provide comprehensive mortgage advice covering purchase, remortgage, buy-to-let, and shared ownership options. Our independent advisors assess individual circumstances to recommend competitive rates and suitable repayment structures. With access to the entire market, we help clients navigate complex mortgage products while explaining risks and long-term commitments clearly.
Lifetime Mortgages
Our lifetime mortgage solutions enable homeowners to release equity while retaining property ownership. We explain loan terms, interest accumulation methods, and inheritance implications in plain language. Clients receive tailored advice on how these mortgages affect means-tested benefits and estate planning, ensuring informed decisions aligned with retirement goals.
Pensions Advice
We offer guidance on pension setup, consolidation, and optimisation for pre-retirement and post-retirement clients. Our services include assessing workplace pensions, self-invested personal pensions (SIPPs), and tax-efficient contributions. We help clients understand their retirement income projections and adjust strategies to meet long-term financial objectives.
Investment Planning
Our investment advice focuses on risk profiling, portfolio diversification, and tax-efficient strategies. We explain investment vehicles like ISAs, unit trusts, and ETFs while aligning recommendations with clients' financial goals and risk tolerance. Regular reviews ensure investments remain aligned with changing market conditions and personal circumstances.
Protection Services
We provide tailored protection solutions including life insurance, critical illness cover, and income protection. Our advisors assess clients' family circumstances and financial obligations to recommend appropriate coverage levels. We explain policy terms, exclusions, and claims processes to ensure clients understand their protection arrangements fully.
People
Robert Vogler
Director
With 25+ years in financial services, Robert holds DipPFS and CeMap qualifications. He specialises in mortgage and investment markets, offering expertise to clients across North Devon since 1998.
Martin Evans
Director
Martin brings decades of experience in mortgages, pensions, and investments. A qualified DipFA professional, he has served North Devon clients since the mid-1990s, focusing on comprehensive financial planning solutions.
Helen Palmer
Mortgage Adviser
Helen transitioned from local estate agency to mortgage advice in 2019. After completing UK Financial Services Regulation and Ethics qualifications, she provides client-focused mortgage and protection advice while managing office operations.
Helen Roseveare
Investment Administrator
Helen has managed pension and investment administration at Eclipse since 2015. She ensures accurate processing of investment transactions and client documentation, supporting the advisory team with technical expertise.
Questions
What mortgage options do you offer?
We provide purchase, remortgage, buy-to-let, shared ownership, adverse credit, let-to-buy, self-build, and commercial mortgages tailored to individual circumstances.
Are your financial advisors qualified?
Yes, our directors hold DipPFS, CeMap, and DipFA qualifications. All advisors maintain continuing professional development to ensure up-to-date market knowledge.
How do lifetime mortgages work?
Lifetime mortgages allow homeowners to release equity while retaining property ownership. Repayment occurs when the property is sold, typically after death or long-term care admission.
Can you help with pension planning?
We offer comprehensive pension advice including setup, consolidation, tax-efficient contributions, and retirement income planning for both pre-retirement and post-retirement clients.
What protection services do you provide?
We advise on life insurance, critical illness cover, income protection, and family protection strategies to safeguard clients' financial security against unforeseen circumstances.
How are investment risks managed?
We conduct detailed risk profiling and recommend diversified portfolios aligned with clients' risk tolerance, financial goals, and market conditions to optimise returns.
