Business Details
Independent Financial Advisers in Cheltenham
Kellands (Cheltenham) Ltd Financial Planning has been delivering independent financial advice across Cheltenham, Gloucestershire, and the South West for over three decades. Established in Clifton, Bristol, our firm specialises in holistic financial planning tailored to individual client needs, offering whole-of-market investment solutions and wealth management services. Our team of certified professionals prioritises long-term client relationships, combining technical expertise with a personalised approach to retirement planning, inheritance tax mitigation, and mortgage strategy. As FCA-regulated advisors, we maintain rigorous compliance standards while focusing on transparent communication and client education. Our commitment to ethical practices extends to socially responsible investment options, reflecting evolving client values.With multiple generations of experience, we guide clients through complex financial decisions, from initial consultations to ongoing portfolio reviews. Our proven track record demonstrates consistent value delivery through market fluctuations and regulatory changes. Clients benefit from our deep local market knowledge combined with national regulatory compliance expertise. We differentiate ourselves through continuous service refinement and accessibility, ensuring clients receive timely, relevant advice. Our operational history reflects sustained growth through client referrals and repeat business.
Services
Investment Advice
Pension Planning
Retirement Strategy
Inheritance Tax Planning
Mortgage Consultancy
Life Assurance
Wealth Management
Estate Planning
Equity Release
Socially Responsible Investing
Highlights and features
- 30+ years of independent financial advisory experience
- FCA-authorised holistic financial planning specialists
- Tailored investment solutions with ethical options
- Proven expertise in inheritance tax mitigation
- Continuous portfolio reviews for changing circumstances
Associations and certifications
- Financial Conduct Authority
What people say
Excellent financial guidance
Professional and thorough advice
Trusted long-term partnership
Helped achieve retirement goals
Responsive and knowledgeable team
Services
Investment Planning
Our investment planning service creates customised portfolios aligned with your financial goals and risk tolerance. We combine market analysis with personal circumstances to optimise returns while minimising tax liabilities. Regular reviews ensure ongoing suitability as market conditions and personal circumstances evolve.
Retirement Planning
Comprehensive retirement planning addresses pension consolidation, income optimisation, and tax-efficient withdrawals. We navigate complex regulations to maximise your retirement income while maintaining flexibility for changing lifestyle needs and longevity considerations.
Inheritance Tax Planning
Specialised tax planning strategies preserve wealth for future generations. We implement legal exemptions, trust structures, and business relief opportunities to reduce inheritance tax liabilities while maintaining asset control during your lifetime.
Mortgage Planning
Mortgage planning covers first-time purchases, remortgaging, and buy-to-let investments. Our whole-of-market approach identifies optimal products while considering long-term financial implications, including equity release options for retirement planning.
Socially Responsible Investing
Sustainable investment solutions align financial objectives with environmental, social, and governance (ESG) principles. We create screened portfolios that reflect client values without compromising financial performance, using comprehensive ethical research databases.
People
Steve Kelland
Founder & Chairman
With over 30 years in financial services, Steve established Kellands (Cheltenham) Ltd Financial Planning to provide independent advice focused on client needs. His leadership maintains our commitment to ethical practices and technical excellence across all advisory services.
Questions
What areas do you cover?
We serve Cheltenham, Gloucestershire, Cotswolds, South West England, and Wales from our Montpellier Street office.
Are you FCA regulated?
Yes, we're authorised and regulated by the Financial Conduct Authority under firm reference 3743176.
Do you offer ethical investments?
Yes, we specialise in socially responsible portfolios aligning with environmental, social, and governance (ESG) criteria.
How do you charge for advice?
Our fees are transparently disclosed upfront, with no hidden charges. We explain all costs during initial consultations.
Can you help with pension transfers?
Yes, our specialists provide regulated pension transfer advice with appropriate qualifications for complex transfers.
What's your review process?
We recommend annual reviews, with additional meetings available for significant life changes or market adjustments.
