Family Financial Planning in Cheltenham
I’m planning for my family’s future and want to make sure everyone is protected…
“We’ve been able to see the finances of our wider family. This means that our financial plans are now coordinated across the generations. This includes not just investments, but taxation, including inheritance planning. In a nervous world, this has given us all greater confidence for all our financial futures.”
Justin Urquhart-Stewart
Planning Family Finances Cheltenham
I’m planning for my family’s future and want to make sure everyone is protected…
“We’ve been able to see the finances of our wider family. This means that our financial plans are now coordinated across the generations. This includes not just investments, but taxation, including inheritance planning. In a nervous world, this has given us all greater confidence for all our financial futures.”
Justin Urquhart-Stewart
Planning your family’s financial future can stir up all kinds of emotions. You want to protect the people you love and give your children the opportunities they deserve, but it’s easy to worry that you’re not doing enough or making the right decisions. Our Cheltenham-based advisers specialise in creating comprehensive financial plans that help you feel fully in control of your family’s future.
How the process works
We provide long-term financial planning for families across Cheltenham and the Cotswolds. Here’s how we help you build a clear and resilient family financial plan:
Step 1: Understanding Your Family’s Priorities
We begin by building up a complete picture of your lifestyle, your children’s needs, any support needed for ageing parents, and the long-term goals you’re hoping to achieve. This ensures that your financial plan reflects what matters most to your family, both now and in the future.
Step 2: Reviewing Your Resources
Next, we’ll assess your current position, taking into account your:
- Income, savings, and investments
- Property and mortgage arrangements
- Existing protection policies
- Pensions and workplace benefits
- Any early planning you’ve already put in place
Mapping out your financial landscape allows us to highlight any opportunities, strengthen weak spots, and ensure that your wealth is working effectively for your family.
Step 3: Creating Your Long-Term Family Financial Plan
Once we’ve got a complete understanding of your goals and resources, we’ll design a financial plan that’s completely tailored to your and your family’s circumstances. This may cover the following:
- Saving and investing for your children and grandchildren
- Funding your children’s education, major milestones, or first homes
- Multi-generational wealth planning
- Tax-efficient gifting and inheritance strategies
- Protecting your family home and assets
- Planning for later-life care and any future responsibilities you may have
It’s important that your financial plan is built to support your family through every chapter of life. We’ll ensure that your plan is structured and realistic, and can also adapt to your future needs.
Step 4: Ongoing Support & Guidance
Your family’s needs will evolve over time, so your financial plan must evolve too. We’ll regularly review your plan to make sure that it stays on track, adjusting your strategy whenever your circumstances or any wider legislation changes. That way, your family’s financial future remains protected through whatever life may throw your way.
“Under Piercefield Oliver’s supervision over many years and with their faultless personal attention, the team have managed my financial affairs very well. They also advise the rest of my family and it gives me great peace of mind to know that there is someone keeping an overall eye on things”
Liz Klein
Tailored family financial planning in Cheltenham
“Under Piercefield Oliver’s supervision over many years and with their faultless personal attention, the team have managed my financial affairs very well. They also advise the rest of my family and it gives me great peace of mind to know that there is someone keeping an overall eye on things”
Liz Klein
We tailor your solution to your circumstances
“With consummate skill and an amazing grasp of all family finance matters, Piercefield Oliver weaves their way through seemingly insurmountable problems and produces a solution more than satisfactory to all concerned. I do wonder whether they knew how many extended members of the family they would be dealing with as the years have gone by! They have created a family-friendly company which plans the way ahead regarding tax and investments and relieves the worry of death duties and the possibility of care home costs in old age. This is all achieved in a friendly manner with humour and great expertise”.
Jen Taylor
Related Podcasts
Did you know…
59%
of UK adults don’t feel confident about managing their personal finances
~ Moneybox
72%
worry that their loved ones wouldn’t be financially secure for over a year without them
~ Tesco Insurance
47%
of UK adults have not made a will
~ The National Wills Report
Did you know…
59%
of UK adults don’t feel confident about managing their personal finances
~ Moneybox
72%
worry that their loved ones wouldn’t be financially secure for over a year without them
~ Tesco Insurance
47%
of UK adults have not made a will
~ The National Wills Report
Why choose Piercefield Oliver?
At Piercefield Oliver, we’re proud to have supported families across Cheltenham and the Cotswolds to confidently plan their finances and build long-term security for the people they love. Our Chartered and Certified financial planners can help you navigate all those complex family decisions, putting your loved ones’ wellbeing at the heart of every recommendation we make.
We’ll take the time to fully understand your family’s values, priorities, and concerns, before creating a comprehensive financial plan that’s tailored to your unique circumstances. Our expert advice covers areas such as:
- Long-term savings and investment strategies
- Protection planning for your family’s future
- Intergenerational wealth planning
- Inheritance and estate planning
- Pensions and retirement considerations
- Tax-efficient gifting and wealth transfer
- Support for blended families and evolving circumstances
Whatever your and your family’s goals are, we’ll help you make confident and informed decisions that provide long-term financial security for the people you care about the most.
Book your free consultation with a local financial adviser
Click the button below to book your free consultation with one of our family financial advisers in Cheltenham.
Book your free consultation with a local financial adviser
Click the button below to book your free consultation with one of our family financial advisers in Cheltenham.
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Fill in the form below and let us know a little bit about your current situation. We’ll get back to you ASAP to talk through your options.
Frequently Asked Questions
Family financial planning involves reviewing your income, savings, investments, assets, and future responsibilities to create a long-term plan that supports you and the people you care about. This often includes planning for education, home purchases, inheritance, and long-term security.
A strong family financial plan covers everyday budgeting, emergency savings, life and income protection, education planning, long-term investment strategies, and clear goals for future generations. It ensures your family stays financially secure as your needs evolve.
The most effective way to manage your family’s finances is to understand your spending, set shared goals, build an emergency fund, and regularly review your protection and investment plans. Working with a professional financial adviser can help you avoid gaps and keep your family’s financial future on track.
Long-term financial planning for families helps them prepare for rising costs, school fees, mortgage changes, and future aspirations. By aligning your income, savings, and investments with your goals, it creates financial stability and confidence as your children grow and life becomes more complex.
Financial advice is valuable when your circumstances become more complex, for example when you’re starting a family, buying a home, planning education costs, or supporting ageing parents. A financial planner like Piercefield Oliver ensures every decision you make is tax-efficient and aligned with your long-term goals.