WHOLE-OF-MARKET. INDEPENDENT ADVICE. CHARTERED EXPERTISE.
Helping homeowners, professionals and families across Gloucestershire, Herefordshire and the UK make confident financial decisions with clear, independent advice.
We provide independent, FCA-regulated advice on later-life lending, pensions, retirement planning, wealth management, protection and mortgages — with transparent fees and clear, considered guidance.
25+ years’ experience • 3,000+ clients supported • ★★★★★ Google Reviews
Trusted by 3,000+ homeowners, professionals and families across the UK.
No obligation. 20-minute consultation with a Chartered Financial Planner.
✓ Tell us what you want to achieve
✓ We’ll map your options and priorities
✓ Leave with a clear next-step plan
Local advice. National reach. FCA-regulated across the UK.
We take your future as seriously as you do
Independent, whole-of-market financial advice you can truly trust.
Our services give you access to affordable, whole-of-market financial planning built around your short-, medium- and long-term goals.
As interest rates, charges and market conditions change, it can be difficult to know which decisions are right for you.
We help you understand your options clearly, avoid costly mistakes and make informed choices with confidence, so you can move forward knowing your plans are built around what matters most to you.
With straightforward advice and support tailored to your needs, you get a clearer plan, greater peace of mind and more control over your financial future.
How we can help
At Heathcote Financial Planning, you speak to a real person who takes the time to understand what you want to achieve. Before recommending anything, we get to know your goals, your concerns and the kind of support you need, so any solution feels personal, relevant and right for you.
7 Questions to Ask Before You Hire a Financial Adviser
Not all financial advisers work in the same way. This practical guide explains what to ask before your first meeting, including the difference between independent and restricted advice, so you can make a more informed decision with confidence.
Financial Planning for You
Managing your finances starts with a plan built around you. At Heathcote Financial Planning, we take time to understand your goals, your concerns and what matters most to you, so you can move forward with clarity and confidence.
You receive transparent, impartial advice on investments, protection, retirement planning and mortgage solutions, all tailored to your circumstances, priorities and future plans.
We also help you protect your wealth against risks such as inflation, market fluctuations and investment downturns, while balancing what you need today with the future you want to build.
WHAT WE DO
We take the time to understand your financial situation and your goals, then build a personalised plan around your needs. As independent financial advisers, we provide unbiased advice on a wide range of financial products from across the market, helping you choose solutions that are right for you. If this sounds like the support you are looking for, book your consultation today.
WHO WE HELP
Whether you are planning as an individual or through your business, we provide financial solutions built around your needs. Our team has extensive experience supporting a wide range of clients, including doctors, lawyers, accountants, freelancers, tradespeople and small to medium-sized businesses.
Built Around Your Life
Your financial plan should not be generic. It should reflect your life, your goals and the changes that happen along the way.
At Heathcote Chartered Financial Planning, we work closely with you to build a personalised plan that is reviewed regularly and adjusted as your circumstances evolve.
That includes advice across:
pensions
investments
mortgages
trusts
wider financial planning
Your plan can also take into account:
your attitude to risk
your long-term goals
your changing income needs
your family circumstances
your values, including ESG preferences
So rather than trying to fit into a one-size-fits-all solution, you receive advice shaped around what matters most to you.
“Steve is fantastic. He is honest, a straight-up guy you know you can trust, and absolutely transparent with his fees.
Steve provides unmatched breadth and depth of knowledge with finances.
Good to work with you Steve”
WHY CHOoSE US?
- Independent Financial and Mortgage Advisers
- 25+ years of experience in financial services
- Financial education on property finance, Gilts and fixed interest, corporate bonds, equity asset classes and constructing a tailored portfolio.
Ready to Plan Your Future?
See how we can help you move forward with clarity and confidence.