Business Details
18 Years
experience
Expert Financial Advisers in Cheshire
At Moneytree Financial Solutions, we prioritise understanding your unique financial circumstances to create tailored plans that align with your aspirations. Our approach begins with active listening to identify your goals, concerns, and long-term objectives. With decades of combined experience, our team of certified professionals delivers clear, jargon-free advice on pensions, wealth management, tax planning, and protection services. We specialise in simplifying complex financial decisions, ensuring your assets are safeguarded against risks like inflation and taxation. Our commitment to regular plan reviews guarantees adaptability to life changes, while our partnerships with regulated providers ensure compliance and transparency.Client trust is built through ethical practices, no hidden fees, and a focus on long-term relationships over short-term gains. We serve individuals and businesses across Cheshire, offering both in-person and virtual consultations. Our accolades include recognition from the Financial Conduct Authority for regulatory adherence. By combining technical expertise with personalised service, we aim to transform financial uncertainty into confidence, empowering clients to achieve financial freedom.
Services
Pension Planning
Wealth Management
Equity Release
Tax Planning
Life Assurance
Mortgage Advice
Investment Bonds
ISAs
Business Protection
Retirement Planning
Details
- Year established: 2008
Highlights and features
- We offer 40+ years of combined experience in financial services
- Our team includes specialists in pensions, equity release, and tax planning
- We provide FCA-regulated advice with transparent fee structures
- Our client-centric approach includes annual plan reviews
- We offer independent, unbiased advice across 100+ investment products
Associations and certifications
- Financial Conduct Authority
What people say
Extremely professional and knowledgeable
Tailored recommendations to individual circumstances
Patient and thorough explanations
Discovered critical financial errors
Provided peace of mind
Services
Pension Planning
Our pension planning service creates tailored retirement strategies through regular reviews and diversified investments. We specialise in workplace pensions, self-invested personal pensions (SIPPs), and state pension optimisation. With FCA-regulated advice, we ensure compliance while maximising growth potential through tax-efficient structures.
Wealth Management
Wealth management solutions preserve assets against taxation, inflation, and investment risks through strategic portfolio diversification. Our approach combines offshore collectives, capital investment bonds, and trust structures to maintain intergenerational wealth while ensuring liquidity for immediate needs.
Equity Release
Equity release schemes enable homeowners over 55 to access property wealth without relocation. We offer FCA-approved lifetime mortgages and home reversion plans, with mandatory independent legal advice to ensure informed decision-making about long-term financial implications.
Tax Planning
Our tax planning service optimises financial structures across income tax, capital gains tax, and inheritance tax. Through ISAs, offshore bonds, and trust arrangements, we implement legal strategies to minimise tax liabilities while maintaining compliance with HMRC regulations.
Business Protection
Business protection strategies safeguard companies against key person risks and operational disruptions. We implement share protection schemes, relevant life cover, and professional indemnity arrangements to ensure business continuity during unexpected events affecting critical personnel.
People
Paul Forster
Director & Financial Planner
With over 40 years in financial services, Paul specialises in retirement planning and investment strategies. He holds FCA-approved qualifications and focuses on creating long-term wealth solutions for individuals and businesses.
Tim Lynch
Financial Adviser
Tim provides expert advice to high-net-worth individuals and company directors. His specialisms include pension transfers, tax-efficient investments, and protection planning for complex family circumstances.
Vickie Fifield
Financial Adviser
With 18 years' experience, Vickie focuses on comprehensive financial planning. She transitioned from corporate finance roles to deliver client-centred solutions, particularly in retirement income strategies.
Tim Williams
Pension Transfer Specialist
Tim has 20+ years in financial advisory services, specialising in complex pension transfers. He joined Moneytree in 2022 after running his own consultancy, bringing expertise in occupational pension schemes.
Rory Forster
Mortgage Adviser
Rory offers mortgage solutions for residential and buy-to-let properties. With 20 years in the sector, he specialises in helping clients navigate changing mortgage markets and lending criteria.
Questions
What areas do Moneytree Financial Solutions cover?
We primarily serve clients in Cheshire and the North West England region, with virtual consultations available nationwide.
Are your financial advisers qualified?
All our advisers hold relevant industry qualifications and maintain continuing professional development to ensure up-to-date expertise.
How do you charge for financial advice?
We provide transparent fee structures during initial consultations, with charges based on the complexity of required services.
Can you help with workplace pensions?
Yes, we advise on occupational pensions, auto-enrolment schemes, and pension transfers while maintaining FCA regulatory compliance.
What investment options do you offer?
We provide access to 100+ investment products including ISAs, unit trusts, equity release schemes, and offshore collectives.
How often should I review my financial plan?
We recommend annual reviews, with additional check-ins available for significant life changes or market fluctuations.
