Business Details
26 Years
experience
Your Trusted Financial Partner for Comprehensive Planning Solutions
At Active Chartered Financial Planners, we help businesses and individuals protect and grow their finances through tailored solutions. Established in 2000, our approach has positioned us among the most respected independent financial planning firms in the North. Our team of specialist independent advisers delivers holistic financial planning services to private individuals, corporate businesses, and professional practices. With a rare combination of expertise, impartiality, and relationship-building skills, we provide hundreds of clients with the peace of mind that comes from prioritising their financial interests. We understand financial planning can seem complex, which is why we commit to clear, honest, and unbiased advice, enabling informed decisions about financial futures. Our Chartered status reflects our adherence to rigorous professional standards, ensuring clients receive exceptional service grounded in integrity and technical excellence.
Services
Retirement Planning
Investment Planning
Later Life Financial Planning
Business Protection
Mortgage Planning
Served areas
- Guisborough, Redcar, Middlesbrough, East Cleveland, Stokesley, Yarm, Teesside, North East
Details
- Year established: 2000
Highlights and features
- We hold Chartered Financial Planner status, reflecting our adherence to rigorous professional standards.
- We have over 30 years of experience in mortgage planning and advisory services.
- Our holistic approach covers retirement, investment, and business protection planning.
- We are authorised and regulated by the Financial Conduct Authority (FCA).
- Our client-centric philosophy prioritises clear, honest, and unbiased financial advice.
Associations and certifications
- Chartered Financial Planners
- Financial Conduct Authority (FCA)
What people say
Excellent advice
Cheerful and helpful
Great work
Highly recommended
Expertise
Services
Retirement Planning
Our Retirement Planning service helps individuals and businesses navigate uncertain state provisions. We offer tailored pension reviews, AutoEnrolment compliance, and tax-efficient strategies using independent state-of-the-art software. Our qualified advisers balance risk levels and maximise annual contribution limits, including Self-Invested Personal Pensions (SIPPs) for commercial property purchases. We also provide intergenerational planning to mitigate inheritance tax through children's pensions.
Investment Planning
We specialise in creating diversified investment portfolios aligned with clients' risk tolerance and financial goals. Our process includes risk profiling, asset allocation, and performance reviews to ensure robust returns. We cater to high-net-worth individuals through discretionary fund management partnerships and utilise tax-efficient options across the market. Our advisers prioritise transparency, avoiding automatic recommendations for the cheapest products to ensure long-term growth.
Later Life Financial Planning
This service addresses changing priorities as clients age, focusing on lifetime mortgages, equity release, and long-term care solutions. We provide clear guidance on risks and alternatives, ensuring informed decisions about inheritance, state benefits, and care funding. Our advisers balance care needs with asset protection, explaining tax implications and eligibility for state support while tailoring solutions to individual circumstances.
Business Protection
We help businesses mitigate risks from key person loss, debt, or operational disruptions. Our solutions include life cover, critical illness insurance, and debt protection policies tailored to directors, shareholders, and key employees. We also advise on workplace pensions compliance and corporate investment strategies, ensuring tax efficiency and alignment with business risk profiles while safeguarding profitability and continuity.
Mortgage Planning
With over 30 years of expertise, we offer residential, buy-to-let, and commercial mortgage solutions. Our advice covers remortgaging, debt consolidation, and fixed-rate products, prioritising features over cost. We manage applications, liaise with solicitors, and provide personalised illustrations, charging up to 1,500 based on complexity. Our Chartered status ensures market-leading insights while explaining terms and reducing client stress throughout the process.
People
Andrew
Financial Adviser
Andrew provides exceptional financial advice to long-term clients, maintaining the company's reputation for excellence. He is described as cheerful, helpful, and a great asset to Active, offering personalised service that aligns with client needs.
Karl Pemberton
Managing Director
Karl leads Active's strategic direction, representing the firm in industry advocacy. He recently addressed the Chancellor on economic stability, demonstrating leadership in shaping policy that impacts savers and small businesses nationwide.
Questions
What financial services do you offer?
We provide retirement planning, investment advice, mortgage solutions, business protection, and later life financial planning tailored to individual and corporate needs.
Are you regulated by the Financial Conduct Authority?
Yes, we are authorised and regulated by the Financial Conduct Authority, ensuring compliance with rigorous industry standards.
How much do your mortgage planning services cost?
Our mortgage planning fees are up to £1,500, depending on the complexity of your situation and the time required to secure the best solution.
Do you offer business protection plans?
Yes, we design business protection policies to safeguard against risks like key person loss, debt, and operational disruptions for companies and partnerships.
Can you help with retirement planning for businesses?
We advise on workplace pensions, AutoEnrolment compliance, and tax-efficient retirement strategies for businesses, ensuring alignment with The Pensions Regulator requirements.
What is your approach to investment planning?
We create diversified portfolios based on risk profiling and financial goals, prioritising tax efficiency and long-term growth while avoiding automatic low-cost product recommendations.
Reviews (2)
Robert Thomas
Feb 23, 2022
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I have been using Active Chartered Financial Planners now for over five years and have seen my pension grow beyond my expectations. Most people when they start to take their pension just opt for the 25% tax free amount and remainder goes into an annuity, but after speaking to Active and another ifa I found that I could get more from my pension by putting my funds into a sipp account. After speaking to Active and the other IFA I opted for Active due to their better charging policy and due to the professionalism of the Active IFA I have been dealing with. I would highly recommend Active Chartered Financial Planners.
Robert Thomas
Feb 01, 2022
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I have been using Active Chartered Financial Planners now for over five years and have seen my pension grow beyond my expectations. Most people when they start to take their pension just opt for the 25% tax free amount and remainder goes into an annuity, but after speaking to Active and another ifa I found that I could get more from my pension by putting my funds into a sipp account. After speaking to Active and the other IFA I opted for Active due to their better charging policy and due to the professionalism of the Active IFA I have been dealing with. I would highly recommend Active Chartered Financial Planners.