Business Details
29 Years
experience
Your Trusted Partner for Financial Planning Solutions
Established in 1997, The Orchard Practice is a family-owned financial planning firm based in Elstree & Borehamwood. Our team of qualified professionals specialises in tailored financial solutions for individuals and businesses, with expertise spanning retirement planning, mortgages, investments, and protection. Recognised through multiple industry awards, including Moneyfacts and Moneyage accolades, we prioritise client relationships built on transparency and trust.Our FCA-authorised status ensures adherence to rigorous regulatory standards, while client testimonials highlight our approachable service and ability to simplify complex financial matters. With over 25 years of experience, we combine deep market knowledge with a commitment to evolving alongside our clients' needs.
Services
Financial Planning
Mortgage Advice
Investment Management
Retirement Planning
Business Protection
Estate Planning
Pension Reviews
Equity Release
Tax Planning
Insurance Solutions
Details
- Year established: 1997
Highlights and features
- Award-winning team with FCA-authorised expertise
- Personalised financial strategies for individual circumstances
- 25+ years of experience in evolving market conditions
- Transparent communication without financial jargon
- Consistently top-rated by client review platforms
Associations and certifications
- Financial Conduct Authority
What people say
Exceptional service
First-class advice
Professional and helpful
Secure financial future
Transparent approach
Services
Financial Planning
Our financial planning service creates tailored strategies to achieve personal and business financial goals. We assess current assets, future aspirations, and risk profiles to develop comprehensive roadmaps. Clients benefit from ongoing support through changing market conditions and life stages.
Mortgage Advice
Specialist mortgage advice covering first-time purchases, remortgaging, and buy-to-let investments. We access exclusive deals while explaining options clearly to secure optimal financing solutions. Regulatory compliance ensures responsible lending practices.
Investment Management
Active investment management across diverse portfolios including ISAs, offshore bonds, and venture capital trusts. Strategies focus on growth, income, or capital preservation aligned with client risk tolerance and financial objectives.
Retirement Planning
Comprehensive retirement planning services optimise pension provisions and income strategies. We specialise in navigating tax implications and ensuring sufficient funds for post-retirement lifestyle requirements through regular portfolio reviews.
Business Protection
Tailored business protection solutions safeguard company assets and continuity. Services include key person insurance, shareholder protection, and employee benefit schemes designed to mitigate financial risks from unforeseen events.
People
Joshua Grankin
Financial Planner
With over 25 years' experience, Joshua specialises in holistic financial planning, focusing on retirement strategies and investment management. He prioritises clear communication and long-term client relationships.
Stephanie Gerstler
Protection Manager
Protection specialist Stephanie advises on life insurance, critical illness cover, and income protection policies to safeguard clients' financial security and family welfare.
Ayelet Dechner
Practice Manager
Ayelet oversees daily operations, ensuring seamless client service delivery. She coordinates the team's expertise to maintain the firm's high service standards.
Raj Murali Mohan
Financial Planning Administrator
Raj supports financial planners with technical analysis and client documentation, ensuring accurate implementation of investment and retirement strategies.
Chaya Warner
Mortgage and Protection Administrator
Chaya assists with mortgage applications and protection policy administration, providing detailed support for clients' property and insurance needs.
Questions
What financial planning services do you offer?
We provide comprehensive financial planning for retirement, investments, mortgages, and estate planning, tailored to individual circumstances and goals.
Are your financial advisers qualified?
Our team holds gold-standard industry accreditations and we're regulated by the Financial Conduct Authority for professional standards.
How do you charge for your services?
Fees vary by service type - we provide transparent pricing structures with no hidden charges for all financial planning and advisory work.
Can you help with mortgage applications?
Yes, we offer mortgage advice for first-time buyers, remortgaging, buy-to-let, and commercial properties with access to exclusive deals.
Do you work with overseas clients?
While primarily UK-focused, we can assist with cross-border financial planning and offshore investment solutions for eligible clients.
How are investments managed?
We actively manage diverse portfolios including ISAs, venture capital trusts, and offshore bonds aligned with your risk profile and objectives.
Videos
Reviews (5)
Brittany Zeiderman
Jun 18, 2022
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TOPFS are an incredibly professional, supportive outfit who have gone above and beyond to help us feel comfortable in our property purchase. The TOPFS team have always been on-hand for any questions we have and explain things in a very comprehensive way - making our lives a lot easier throughout our purchase journey! Would highly recommend the team and their services.
Ceyda Mehmet
May 24, 2022
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The orchard practice are a very friendly and helpful establishment, all Staff are very professional and are happy to help with any queries that I have. I would highly recommend them:
Ricaxa
May 06, 2022
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This is the second time I have used the Orchard Practice for mortgage and financial advice and every time the advice is excellent, the communication is prompt and really clear. Thoroughly recommended.
Jo Perez
Apr 14, 2022
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It's been a pleasure dealing business with Andy and The Orchard Practice. He's been very helpful in finding us the best mortgage offer and we are very grateful. Highly recommend.
Nicholas Rusling
Mar 04, 2022
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Josh and team are proactive, attentive and considerate of all or financial needs. Definitely recommend them
