Our Independent Financial Adviser Services For You - What We Do Best!

A Warm Welcome From Ian Francis, Independent Financial Adviser

As independent financial advisers, what we do well is provide high quality financial advice. We can access a diverse range of strategies and products, generating better insights, better decisions, better outcomes, for you. We are consistently seeking the brightest opportunities from the whole market place, as a truly independent financial adviser.

As independent financial advisers we provide individuals and businesses with advice on practical and relevant solutions to help them to meet their financial objectives. Some of the key areas we advise on are listed below. Of course, we will be happy to discuss your own personal situation and goals with you.

We arrange our meetings, usually in the comfort of your own home or office, at a time that suits you. Just give us a call - all our contact details are at the top and bottom of this page - and we will be happy to do our best to help!


Our mortgage advice service covers first time buyers, remortgagers, home movers and buy to let landlords. We are also very experienced in providing advice for self builders, renovators, converters and refurbishers.

As independent financial advisers, our services range from secured mortgages, bridging loans, second charge mortgages and so much more! We search across the entire market place, unrestricted. With so many deals and costs to choose from its easy to get a headache about whether you have found the best deal. Why not see if we can find a solution for you.

Your home may be repossessed if you do not keep up repayments on your mortgage.


Financial products are sometimes at their most useful when they are protecting our families, our incomes or our property. Getting sound advice from an independent financial adviser can save a lot of money and provide the right money if a claim is needed, making sure you have the right tailor-made solution for you.

Whilst insuring ourselves against an undesirable event such as sickness or even death may not be a pleasant thing to think about, the benefit of being able to set financial issues aside at emotionally difficult times cannot be overlooked. A good independent financial adviser can pick out the best solutions from a very wide choice and tailor it to suit you.

We advise on a wide range of insurances, from home & contents insurance, protecting against loss of income, protecting loved ones from illness, and passing on. Why not contact us and see if we are the right financial adviser for you?

Investments and Savings

Building our money up for the future is a valuable lesson most of us were taught by our parents - perhaps for something special; or perhaps to be sure that when we really need something we have the funds to buy it.

Whether we place our money in a piggy bank, or in a multinational investment house, our aims are broadly the same; to provide for our future needs, and to protect ourselves against unexpected causes of expenditure.

Investments involving stocks and shares etc are designed to be held for the longer term, usually at least 5 years. You need to be comfortable with tying up this money for a period of time, and should not consider these types of investments unless you have some savings in place. Returns, risk and volatility are the factors that will determine a suitable place for your money. Sounds like jargon? Well that's why great advice from an independent financial adviser is invaluable to explain things clearly and find investments to suit you.

There are lots of investment plans and policies to choose from and there are lots of investment styles to choose from, to suit all circumstances. As independent financial advisers, we can provide advice on investment strategies and funds across the wide range of products, platforms and funds that are available, unrestricted.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

Pension Plans

We all know that a pension is an investment fund, with tax privileges, into which money is added during our employment years so that we can get an income in retirement.

So we provide independent financial advice, treating pensions as investments, respecting them as possibly the most valuable investments you'll ever make, and making sure you get the right advice to build a proper pension for your retirement.

As independent financial advisers, we can provide advice on investment strategies and funds across the wide range of pension products - such as personal pensions, group personal pensions, self invested personal pensions, small self administered schemes, defined contribution pension schemes, workplace pensions and trustee bonds - as well as platforms and funds that are available, unrestricted.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

Equity Release and Retirement Interest Only (RIO) Mortgages

As people get older their thoughts turn to supplementing their income or paying for things that they don't have ready money for. For some, the need to switch mortgages to something that lasts into retirement has become important.

As independent financial advisers we can provide impartial advice on your equity release options and, if its the right thing for you, available solutions, in the comfort of your own home. if its not right for you we will tell you and talk through possible alternatives.

Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.

RIO mortgages are now available for those over 55 - but they are not Equity Release plans and have restrictive affordability conditions, so our independent financial advice can give lots of advice around your potential options.

Retirement Preparation, Pension Pot Consolidation, Advice on Taking Capital and Income

Our advice service includes reviewing your plans and options, assessing whether you are on track for the retirement lifestyle you deserve.

As independent financial advisers, we want you to avoid taking unnecessary risks from losing your hard-earned savings in the run up to retirement because of unlucky investment decisions. Thanks to increased longevity and the demise of pension guarantees such as those offered by final salary pensions and guaranteed annuities, people are at an increased risk of running out of money in retirement.

We can guide you on the choice of pension products available at retirement, pension funds to invest in if that's right for you, annuities and other choices to give you the right balance of income and capital during your retirement.

So what can we do as independent financial advisers?

  1. Manage expectations on how much lump sum capital and income might be expected, and how that will affect you throughout the rest of your life.
  2. Help understand capacity for loss - understanding the dangers of being risk averse or suffering large losses through investment under performance.
  3. Consider whether combining any multiple pension pots that you might have into one might save you money or increase your income.
  4. Ensure recommendations are cost appropriate.
  5. Offer regular reviews. Every individual in retirement has evolving needs. Our reviews help address all your changing circumstances and requirements.

Pensions are a long term investment. You may get back less than you put in. Pensions can be and are subject to tax and regulatory change; therefore the tax treatment of pension benefits can and may change in the future.

Care Fees and Later Life Planning

When we need more help, whether in our own home or in a care home, we face the inevitable question of costs. As independent financial advisers we are able to review your options for the future, aiming to give you (and possibly your family) reassurance about such decisions concerning care fees.

We can guide you on annuities, investments, equity release, Wills, trusts, and powers of attorney (enduring powers and lasting powers), as well as probate administration.

As independent financial advisers we aim to answer your questions and help arrange suitable solutions.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

Wills, Trusts, Lasting Powers of Attorney (LPAs), Enduring Powers of Attorney (EPAs) and Inheritance Tax Planning

As independent financial advisers we are happy reviewing your options for leaving your estate to your loved-ones and just as importantly, looking after yourself should you be unable to.

We can guide you on Wills, trusts, LPAs, EPAs and inheritance tax planning.

The Financial Conduct Authority does not regulate estate planning.

Financial Adviser - Emma Francis

Please Get In Touch

You can telephone our office on 01522 788887, we always look forward to speaking with our clients.

Alternatively, you can email us. Our address is ian@chestnutfs.co.uk

Or please complete this contact form and we will get back to you as soon as possible!

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