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Personal and family financial planning

Independent advice. Personal relationships. Proven expertise

We provide independent personal and family financial planning designed to give you clarity, confidence and long-term security. 

Independent financial planning

As FCA-regulated independent financial advisers, our guidance is impartial, personalised and built around what matters most to you.

For over 60 years, we’ve helped individuals, families, business owners and those approaching retirement make confident financial decisions.

What is personal and family financial planning?

Family finances are rarely shaped by one single decision. They’re shaped by a series of choices about pensions, investments, protection, tax and day-to-day cashflow, that need to work together.

We’ll bring everything into one clear plan, built around your goals and updated as life changes. That means protecting what you’ve built, supporting the people who rely on you, and preparing confidently for what comes next.

A personal and family financial plan can help you:

  • Managing household income and expenditure
  • Building emergency reserves
  • Investing for long-term growth
  • Planning for retirement
  • Protecting your loved ones
  • Preparing for intergenerational wealth transfer

There’s an important difference between one-off advice and ongoing planning. A single recommendation may address an immediate need. Ongoing financial planning provides regular reviews, structured oversight and proactive adjustments as legislation, markets and your circumstances change.

To help you see the bigger picture, we use cashflow modelling and ‘what-if’ planning to show how today’s decisions could shape tomorrow, so you can choose with confidence.

Why financial planning matters for individuals and families

Life rarely stands still, and neither do your finances.

A structured approach creates stability and direction. It helps you understand what’s possible, what needs attention now, and whether you’re on track for the milestones that matter.

With professional guidance, you gain:

  • Greater visibility over your long-term position
  • Confidence in your retirement plans
  • Protection against unexpected life events
  • Tax-aware strategies aligned with your goals
  • A clear framework for future milestones

Personal financial planning isn’t just about numbers. It’s about helping you and your family move forward with confidence and peace of mind.

Our personal and family financial planning services

Our services form a connected framework, designed to support you at every stage of life. Each one integrates into your wider personal financial plan.

Why choose Radcliffe & Co?

  • Independent, FCA-regulated advice with whole-of-market access
  • Specialist expertise across key sectors, with practical insight you can rely on
  • Long-term relationships with advisers who get to know you as your life and priorities change
  • Tailored recommendations shaped around your goals and wider financial picture, not off-the-shelf solutions
  • Over 60 years of trusted advice, combining proven heritage with modern thinking
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Contact our financial planning team

Personal financial planning is an ongoing journey. As your family grows, careers evolve, and priorities shift, your financial strategy should adapt with you.

If you’re considering financial planning for families, or you’d like to review your existing arrangements, our experienced advisers are here to help.

Speak to an adviser

Explore our personal and family financial planning services

Cashflow modelling

Cashflow modelling turns complex financial information into clear, visual projections, so you can understand where you are today, what the future could look like, and what choices will make the biggest difference.

Investment planning

Comprehensive investment planning and inheritance tax advice create a joined-up strategy, one that helps grow your wealth over time while ensuring more of it is passed on to the people and causes that matter most.

Pension consolidation

At Radcliffe & Co., we provide FCA-regulated, independent pension consolidation advice designed around your life, your goals and the people who depend on you.

Protection and insurance

Financial protection isn’t about pessimism. It’s about planning with care, so your income, your family and the life you’ve built are protected if the unexpected happens.

Retirement planning

Retirement planning is one of the most significant financial decisions you’ll make, yet many people underestimate how much they’ll need or wait until it’s too late to act.

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About

Radcliffe & Co is proud to have helped individuals, families and businesses make confident financial decisions for over six decades.

Services

Financial planning. For every life stage. For every business.

Who we work with

Expert advice. For every life stage. For every business journey.