Whatever your financial situation, we bring the independence, expertise and experience needed to help you plan your future with clarity and confidence.
Financial planning services tailored to you
Radcliffe & Co is an FCA-regulated independent financial adviser providing comprehensive financial planning to individuals, families, business owners and employers across the UK. With over 60 years of experience and no ties to any provider panel, every recommendation we make is designed around your circumstances, your priorities and your long-term goals.
Personal and family planning
Life rarely follows a straight line. Financial planning for individuals and families means bringing together pensions, investments, protection and cash flow into a single, coordinated strategy that evolves as your life changes.
Whether you are starting a family, approaching retirement or navigating a significant life transition, our independent advisers help you make informed and confident decisions at every stage. That may include:
Investment and retirement planning
Building long-term financial security requires a disciplined and carefully structured approach to both growing wealth and planning for retirement. Our advisers develop investment strategies that reflect your goals, time horizon and attitude to risk, rather than relying on generic solutions from a limited panel.
Our in-house Investment Committee adds an additional layer of expertise and oversight, conducting independent research and continuous monitoring to ensure recommended strategies remain aligned with your long-term objectives.
Whether you are building a portfolio, consolidating pensions or planning a retirement income strategy, our advisers provide clear, independent guidance throughout the process.
Protection and insurance solutions
Life can be unpredictable. A well-designed protection strategy helps ensure your income, your family and your assets remain secure if circumstances change unexpectedly.
We work with clients to put appropriate cover in place, from life insurance and critical illness protection to income protection that safeguards your finances if illness or injury prevents you from working. These arrangements form part of a wider financial plan, providing reassurance and stability without unnecessary complexity.
Financial planning for business owners
Running a business creates financial opportunities and responsibilities that extend far beyond everyday personal finances. Radcliffe & Co advisers work with business owners, entrepreneurs and company directors at every stage, from protecting business assets today to planning a well-structured future exit.
Our business owner planning services include business succession planning, protection of business interests and establishing robust shareholder and continuity arrangements. We understand the close relationship between personal and business finances, and our advice reflects that integrated perspective.
SME and corporate financial solutions
Supporting your employees’ financial wellbeing is one of the most effective ways to build a loyal and motivated workforce. Our SME and corporate financial planning services help employers design and manage workplace pensions, employee benefits and corporate protection arrangements.
We work with SME owners, finance directors and HR decision-makers to provide practical, independent advice that helps businesses meet their obligations while supporting employees and maintaining long-term competitiveness.
