Business Details
29 Years
experience
Strategic Financial Planning Experts in Cheltenham
Established in 1997, Neil Gayler & Co has evolved from an independent financial advisory practice into a specialist provider of non-regulated financial planning services. Our focus lies in strategic planning, cashflow modelling, and estate planning, tailored to individual life goals rather than investment products. With the regulated advice arm sold in 2019, we now concentrate on helping clients understand the feasibility of their aspirations through comprehensive financial analysis. Our approach begins with understanding clients' lifestyles and ambitions, creating detailed financial models to guide decision-making.We collaborate with vetted regulated advisers when necessary, ensuring continuity of care. Our expertise extends to later life planning, including care fees funding and tax planning, alongside our unique 'Making Life Simple' service for financial organisation. Based in Cheltenham, we serve clients nationally with fixed-fee transparency, prioritising client needs over product sales. Our principal, Neil Gayler, brings over three decades of financial services experience, complemented by a holistic approach to client relationships.
Services
Life-Centred Financial Planning
Estate Planning
Cashflow Modelling
Later Life Advice
Making Life Simple
Details
- Year established: 1997
Highlights and features
- We focus solely on strategic financial planning without product sales
- Fixed fee structure ensures complete cost transparency
- Specialist expertise in later life and long-term care fee planning
- Collaborate with regulated advisers for comprehensive client solutions
- Principal with 34 years' financial services experience and holistic approach
What people say
Competent and experienced professional
Excellent service
Highly recommended
Peace of mind
Thorough and efficient
Services
Life-Centred Financial Planning
Our approach starts with understanding your lifestyle aspirations before creating financial strategies. We analyse current financial positions and model future scenarios to align resources with personal goals. This holistic method ensures financial plans reflect individual life ambitions rather than generic investment solutions.
Estate Planning
We help structure wills, powers of attorney and trusts to protect assets and ensure wishes are fulfilled. Collaborating with legal professionals, we implement tax-efficient solutions for estate distribution while considering long-term care requirements and family needs.
Cashflow Modelling
Through detailed income/expenditure analysis, we create dynamic financial models showing different life scenarios. This helps clients understand financial feasibility of lifestyle changes, retirement plans, and major life events with mathematical precision.
Later Life Advice
Specialist guidance for older clients covers care fee funding strategies, pension optimisation, and simplifying complex financial arrangements. Our expertise helps reduce family stress through proactive long-term care planning and asset protection.
Making Life Simple
This unique service reorganises chaotic financial affairs for clients needing practical help. We systematically sort documentation, implement management systems, and provide ongoing support to maintain order without offering financial advice.
People
Neil Gayler
Principal
With 34 years' financial services experience, including 21 years running his own practice, Neil specialises in strategic financial planning and later life solutions. He combines technical expertise with holistic approaches to client relationships.
Questions
What services does Neil Gayler & Co offer?
We specialise in Life-Centred Financial Planning, Cashflow Modelling, Estate Planning, Later Life Advice, and our unique 'Making Life Simple' financial organisation service.
Are your services regulated by financial authorities?
Our strategic planning services are non-regulated. For regulated advice, we collaborate with vetted professionals while maintaining client-focused financial modelling.
How do you charge for your services?
All services operate on a transparent fixed-fee basis, ensuring complete cost certainty from the outset.
What areas do you cover?
Based in Cheltenham, we serve clients throughout Gloucestershire and nationally across the UK.
How does the financial planning process work?
We begin with lifestyle aspirations assessment, followed by detailed financial analysis and cashflow modelling to create tailored implementation plans.
Reviews (2)
Rosie J.
Jan 11, 2022
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Last year Neil drafted Lasting Powers of Attorney for my husband and me. He and his staff are very pleasant, professional and give meticulous attention to detail. We have been dealing with Neil Gayler for several years and have no hesitation in recommending his company.
Sali Wijesinghe
Apr 20, 2020
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Neil gave me a Zoom consultation as I had asked for some advice about a pension. He was really helpful and made everything clear - I relayed the information to my mum and she said that's such sound advice. He suggested other options for me and I think he's a genuine expert who shows consideration and care to everyone. Highly recommended!
