Business Details
28 Years
experience
Your Trusted Financial Advisers in Witney
Established in 1998, Amber Wealth Creation has built a reputation for delivering professional and transparent financial planning services. Our approach centers on understanding individual client needs to create tailored strategies that align with personal and business financial goals. With a team of experienced advisers and accountants, we offer expertise in wealth management, pensions, tax planning, and protection services. Our commitment to long-term relationships is reflected in our client-centric philosophy, which prioritizes impartial advice and ongoing support.We operate under the regulatory oversight of the Financial Conduct Authority, ensuring adherence to the highest standards of conduct. Our services are designed to help clients navigate complex financial decisions with confidence, whether planning for retirement, managing business finances, or securing family legacies. The longevity of our client relationships underscores our ability to adapt to evolving financial landscapes while maintaining a focus on sustainable growth and client satisfaction.
Services
Financial Planning
Wealth Management
Mortgage Advice
Equity Release
Tax Planning
Estate Planning
Cash Flow Forecasting
Protection Insurance
Business Financial Strategy
Retirement Planning
Details
- Year established: 1998
Highlights and features
- We offer over 25 years of experience in personalized financial planning.
- Our team holds Chartered and Fellowship status with the CII.
- We provide transparent, product-neutral advice tailored to client needs.
- Our services integrate personal and business financial planning under one roof.
- We maintain long-term client relationships through ongoing regulatory compliance.
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Personalized advice
Transparent communication
Long-term relationships
Expert knowledge
Regular reviews
Services
Financial Planning
Our financial planning service creates personalized roadmaps to achieve life goals through strategic asset management and risk assessment. We analyze current financial status, define short- and long-term objectives, and implement tax-efficient investment strategies. Clients benefit from regular reviews and adaptive planning that responds to life changes, market conditions, and evolving financial regulations, ensuring sustained progress toward financial independence.
Equity Release
Specialist equity release solutions help homeowners aged 55+ access property wealth without relocation. We provide impartial advice on lifetime mortgages and home reversion plans, explaining implications for inheritance tax and means-tested benefits. Our process ensures clients understand all options before making irreversible financial decisions that impact long-term security and family legacies.
Tax Planning
Comprehensive tax planning optimizes financial arrangements within legal frameworks to minimize liabilities. We analyze income streams, investments, and estate structures to utilize available allowances and reliefs. Strategies include income spreading across family members, pension contributions, and charitable giving to maximize post-tax returns while maintaining compliance with HMRC regulations.
Business Financial Strategy
Integrated business financial strategies align company objectives with owner personal finances. We address cash flow management, succession planning, and corporate tax efficiency while balancing business growth with personal wealth preservation. Services include business valuation, shareholder agreements, and strategic exit planning to ensure sustainable commercial and personal financial outcomes.
Protection Insurance
Tailored protection insurance safeguards against financial risks from unforeseen events. We assess life assurance, critical illness cover, and income protection needs to create safety nets for families and businesses. Policies are structured to replace lost income, settle debts, or fund care requirements while avoiding over-insurance that strains budgets unnecessarily.
People
John Fissenden
Founder and Managing Director
With over 25 years in financial services, John established Amber Wealth Creation in 1998. He specializes in holistic financial planning, emphasizing long-term client relationships and ethical advice. His leadership focuses on personalized service and regulatory compliance.
Stephanie Carter
Senior Paraplanner
Stephanie brings decade-long experience in financial services, holding a Law degree and pursuing a Masters in Psychodynamic Studies. She specializes in technical analysis and process optimization for client portfolios while maintaining interpersonal client relationships.
David Smith
Financial Adviser
David has 15 years' experience in wealth management, pensions, and tax planning. A Chartered CII member, he focuses on understanding client needs to deliver strategic financial solutions that adapt to changing life circumstances and regulatory environments.
Sarah Johnson
Mortgage Adviser
Sarah specializes in residential and equity release mortgages with 18 years' industry experience. She helps clients navigate property financing options, ensuring solutions align with broader financial objectives while maintaining clear communication throughout the process.
Michael Brown
Investment Analyst
Michael combines financial planning expertise with technical analysis skills developed over 12 years in the industry. He focuses on portfolio construction and market research to support client investment strategies that balance risk and return objectives.
Questions
What financial planning services do you offer?
We provide comprehensive services including wealth management, tax planning, retirement strategies, business financial planning, and protection insurance tailored to individual circumstances.
How do you ensure advice remains impartial?
Our fee-based model eliminates product provider commissions, allowing unbiased recommendations focused solely on client needs and regulatory compliance requirements.
Can you help with both personal and business finances?
Yes, we integrate personal and business financial planning to create cohesive strategies that address both commercial objectives and personal wealth management goals.
What areas do you cover?
While based in Witney, we serve clients nationwide across the UK through virtual consultations and digital document management systems.
How often are financial plans reviewed?
We recommend annual reviews with additional check-ins for significant life changes or major market shifts affecting investment portfolios.
Are you regulated by financial authorities?
Yes, we're authorized and regulated by the Financial Conduct Authority (FCA) under reference number 401162, ensuring compliance with industry standards.
Reviews (1)
Ann Generlich
Dec 16, 2019
Report
If youre looking for a team to assist you in making smart financial choices, I would highly recommend Amber Financial planning
