Business Details
19 Years
experience
Your Trusted Financial Advisers in Bristol & Cheltenham
Digby Associates is a wealth management firm established in 2007, headquartered in Bristol with an additional office in Cheltenham. Our focus lies in delivering bespoke financial advice tailored to individual client needs, covering areas such as investments, mortgages, pensions, and estate planning. With a team of experienced advisers, we prioritise building long-term relationships founded on trust and transparency. Our affiliation with Quilter Financial Planning Solutions Limited ensures adherence to rigorous regulatory standards, providing clients with peace of mind. We offer a first meeting at no obligation, allowing clients to explore how our expertise can support their financial goals.Our mission extends beyond mere advice; we aim to be a catalyst for lifelong financial confidence and prosperity. Client testimonials highlight our proactive approach, personalised service, and ability to navigate complex financial decisions. Our advisers combine technical knowledge with a commitment to understanding each client's unique circumstances, ensuring solutions align with their aspirations. We actively engage with communities and foster an inclusive environment, reflecting our belief in financial empowerment for all.
Services
Financial Planning
Mortgage Advice
Pension Planning
Investment Advice
Tax Planning
Estate Planning
Wealth Management
Protection Insurance
Business Advice
Inheritance Tax Mitigation
Details
- Year established: 2007
Highlights and features
- We offer 15+ years of combined experience in bespoke financial planning
- Our FCA-regulated status ensures adherence to strict professional standards
- Proactive portfolio management with regular market-driven adjustments
- Personalised tax planning strategies to optimise client outcomes
- Client testimonials highlight exceptional service during major life transitions
Associations and certifications
- Financial Conduct Authority
- Quilter Financial Planning Solutions Limited
What people say
First-class service
Highly recommend
Proactive approach
Knowledgeable team
Peace of mind
Services
Financial Planning
Our financial planning service creates tailored roadmaps to achieve personal goals. We analyse current financial positions, risk tolerance, and future aspirations to develop comprehensive strategies. Clients benefit from ongoing reviews and market-driven adjustments, ensuring their plans evolve with changing circumstances while maintaining tax efficiency.
Mortgage Advice
We provide independent mortgage guidance covering first-time purchases to complex remortgaging. Our advisers compare market options to secure competitive rates while considering clients' long-term financial health. The service includes affordability assessments, application support, and ongoing rate monitoring to maximise savings.
Pension Planning
Specialising in pension consolidation and tax-efficient withdrawals, we help clients maximise retirement income. Services include SIPP management, state pension optimisation, and phased retirement strategies. Regular reviews ensure portfolios remain aligned with evolving regulations and personal circumstances.
Investment Advice
We construct diversified investment portfolios tailored to individual risk profiles. Utilising Quilter's research capabilities, we select funds with strong performance potential while maintaining rigorous risk controls. Clients receive quarterly performance reports and benefit from tax-wrapper optimisation strategies.
Tax Planning
Our tax planning service identifies legitimate opportunities to reduce liabilities across income, capital gains, and inheritance taxes. We implement strategies like ISA allowances, trust structures, and charitable giving while ensuring full compliance with HMRC regulations and maintaining transparent record-keeping.
People
Tom Bohr
Financial Adviser
With over a decade of experience, Tom specialises in retirement planning and inheritance tax mitigation. He holds the Chartered Financial Planner designation and maintains advanced knowledge of evolving tax legislation to benefit clients' long-term strategies.
Gary Stoker
Financial Adviser
Gary focuses on pensions and investment management, bringing 18 years of industry expertise. He holds the Advanced Diploma in Financial Planning and regularly contributes to client seminars on market trends and portfolio optimisation techniques.
Lewis Brain
Financial Adviser
Specialising in intergenerational wealth transfer, Lewis has 22 years' experience in estate planning. He holds the STEP qualification and works closely with clients to implement trust structures that balance family needs with tax efficiency.
Joanna Slater
Mortgage Adviser
Jo has been advising on residential and buy-to-let mortgages for 15 years. She maintains strong lender relationships to secure exclusive deals and specialises in complex cases involving self-employed applicants and property portfolios.
Patty Gron
Mortgage Adviser
With 12 years in mortgage advisory, Patty excels in first-time buyer guidance and remortgaging strategies. She holds the CeMAP qualification and focuses on providing clear explanations of financial products to empower client decision-making.
Questions
Why should I use a financial adviser instead of self-managing investments?
Our qualified advisers provide expert guidance to avoid unnecessary risks and tax liabilities. Their ongoing monitoring and market analysis help optimise returns while maintaining compliance with evolving regulations.
What services do you offer for first-time homebuyers?
We offer comprehensive mortgage advice including affordability assessments, lender comparisons, and application support. Our advisers explain different mortgage types and help secure competitive rates tailored to individual circumstances.
How do you select investment funds for client portfolios?
We utilise Quilter's extensive research capabilities to select funds that match client risk profiles. Their rigorous due diligence process ensures we recommend options with strong performance potential and appropriate risk controls.
What ongoing support do you provide after initial financial planning?
We conduct regular reviews to ensure strategies remain aligned with goals and regulations. This includes portfolio adjustments, tax planning updates, and unlimited advisory access for any financial questions or changes in circumstances.
How do you help clients with inheritance tax planning?
We implement tax-efficient strategies including trust structures, lifetime gifting, and charitable donations. Our advisers work closely with solicitors to ensure estate plans balance legal requirements with family needs.
Reviews (1)
Alena Crowson
Mar 23, 2022
Report
Patty at Digby Associates was recommended by our estate agent and we couldn't be happier about our decision to use her as our financial adviser. We were selling a flat and buying a house, Patty helped us arrange a new mortgage, income protection and life insurance. She had a down to earth honest approach and (unlike other advisers I worked with previously) took time to explain things to us and actually listened to ensure she gave recommendations suited to our particular situation. Throughout the process she maintained great communication, checked in regularly and kept us well informed about what's going on. Patty has been fantastic and I'd happily recommend her to anyone.
