Business Details
38 Years
experience
Independent Financial Planning Services in Cambridge
We are truly independent financial advisers dedicated to providing tailored financial solutions for individuals, families, and businesses. With over 35 years of combined experience, our team combines deep industry knowledge with a personal approach to ensure every client receives bespoke advice aligned with their unique circumstances. Our independence allows us to access the entire market, delivering unbiased recommendations focused solely on client needs rather than product provider interests. We specialise in integrating traditional financial strategies with modern tools to address complex challenges in pensions, protection, tax planning, and wealth management. Our commitment to transparency is demonstrated through clear communication, no hidden fees, and a client-centric philosophy that prioritises long-term relationships built on trust and proven results.The firm maintains rigorous professional standards through authorisation and regulation by the Financial Conduct Authority (reference number 626291). Our team's expertise spans mortgage solutions, retirement planning, inheritance tax mitigation, and corporate financial strategies, supported by advanced back-office systems ensuring advice remains current and precise. Client testimonials highlight our ability to simplify complex financial concepts while maintaining approachability without industry jargon. We operate from our office in West Winch, serving clients across Cambridge and surrounding regions with both in-person and remote consultation options.
Services
Mortgages
Wealth Management
Inheritance Tax Planning
Retirement Planning
Pension Consolidation
Protection
Corporate Financial Planning
Details
- Year established: 1988
Highlights and features
- We have over 35 years of combined experience in financial planning
- Our independence allows access to the entire market for unbiased advice
- Bespoke solutions tailored to individual client circumstances
- Advanced financial tools integrated with traditional planning strategies
- Client testimonials highlight our approachable, jargon-free communication style
Associations and certifications
- Financial Conduct Authority
What people say
Trusted advisors
Personalised service
Transparent fees
Expert knowledge
Approachable team
Services
Mortgage Advice
We provide comprehensive mortgage advisory services covering purchases, remortgages, and specialist financing solutions. Our advisers access the entire market to find competitive rates tailored to individual circumstances. Fees vary based on loan amount, with options from 0 for loans over 200,000 up to 750 for smaller loans, ensuring transparent cost structures aligned with client needs.
Wealth Management
Our wealth management services focus on growing and protecting client assets through strategic investment planning. We create customised portfolios considering risk tolerance, financial goals, and market conditions. The service includes regular reviews and adjustments to ensure long-term growth while maintaining compliance with regulatory standards and client-specific requirements.
Retirement Planning
We help clients prepare for retirement through comprehensive pension strategies and cashflow projections. Our approach considers state benefits, private pensions, and additional savings to create sustainable income plans. The service includes pension consolidation options and tax-efficient withdrawal strategies to maximise retirement income while minimising risks.
Inheritance Tax Planning
Our specialists develop tailored strategies to mitigate inheritance tax liabilities while preserving family wealth. We combine legal structures, insurance solutions, and investment vehicles to create efficient estate plans. The service includes regular reviews to adapt to changing circumstances and tax legislation, ensuring optimal asset transfer to beneficiaries.
Protection
We offer independent protection advice covering life insurance, critical illness cover, and income protection policies. Our advisers assess individual needs to recommend appropriate coverage levels and policy types. Clients can choose between fee-based or commission-based advice models, with transparent explanations of policy terms and exclusions to ensure informed decisions.
People
Huw Tipton
Senior Partner
With over 35 years' experience, Huw provides strategic financial guidance specialising in complex planning scenarios. His expertise covers pensions, tax mitigation, and investment strategies. Outside work, he enjoys motorsport and Land Rover restoration projects.
Gary Manning
Mortgage & Finance Specialist
Gary brings 40+ years of mortgage sector experience, specialising in challenging financing cases. He excels at finding solutions for non-standard property transactions and complex income structures. An avid NFL enthusiast, he attends London games regularly.
Archie Bobbins
Financial Planner
Archie focuses on wealth management and retirement planning, known for simplifying complex financial concepts. He completed the 2025 London Marathon raising 2,500 for charity. Enjoys various sports and outdoor activities.
Mandy Manning
Office Manager
Mandy oversees operational efficiency and client support systems. Her responsibilities include compliance management and insurance underwriting. She enjoys countryside walks, travel, and maintaining her garden's aesthetic appeal through painting and solar lighting.
Claire Daniels-Tipton
Managing Partner
Claire manages firm operations and client accounts, ensuring service consistency across all client interactions. A dedicated marathon runner with six completed races, she maintains oversight of the firm's financial systems and growth strategies.
Questions
What financial services do you specialise in?
We specialise in mortgages, wealth management, retirement planning, inheritance tax mitigation, pension consolidation, and protection strategies.
Are you independent financial advisers?
Yes, we are fully independent and regulated by the Financial Conduct Authority, allowing us to access the entire market for unbiased advice.
How do you charge for mortgage advice?
Mortgage advice fees range from £0–£750 depending on loan amount, with a 1% fee-only option available (minimum £750).
Can I get investment advice?
Yes, we provide fee-only investment advice tailored to individual circumstances, with pricing determined by case complexity.
What if I have a complaint?
Unresolved complaints can be referred to the Financial Ombudsman Service as required by our regulatory obligations.
