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Personal Planning

Chattertons is recognised one of the leading providers of personal financial planning services in Lincolnshire and the East Midlands. We offer comprehensive wealth planning for all areas of your personal finances, including investments, tax, pensions and retirement.

To find out more about our individual practice areas and the expertise provided by our personal wealth managers, please choose from the services listed on the left or you can find a brief overview below of each key service we offer.

To speak to a member of our team about your personal financial planning requirements, contact your local Chattertons office or use the contact form on the right and we will get back to your promptly.

Our personal financial planning services

Accessing Retirement Savings

When you want to start taking money from your pension pot, we can help you decide which options to use to ensure you get the most out of your retirement savings. This can include taking an annuity, an income drawdown or a scheme pension, as well as many other options.

Our independent financial advisors can talk through your retirement earning goals with you, then take you through your options so you can be confident that you are taking the best decisions with your money.

Capital Gains Tax Planning

Capital Gains Tax can make a sizeable dent into your finances, but there are a number of legal options for reducing or even eliminating your Capital Gains Tax liability.

We can advise you on a number of relatively simple, but highly effective methods for minimising the amount of Capital Gains Tax you will be required to pay, allowing you to maximise the benefit you achieve from disposing of investment assets.

Charitable Investments

Trustees of charitable trusts operate under various legal obligations imposed by the Trustee Act 2000, particularly when investing trust money. One of your key responsibilities is to ensure that trust investments are suitable, appropriately diversified and regularly reviewed.

We can help you meet these legal requirements with expert charitable investment advice, ensuring you achieve the best results for the charity while staying within the law.

Equity Release Advice

Equity release is an option that an increasing number of people are using, especially when they reach retirement age. This can unlock capital from your home, helping to fund your retirement or other types of spending.

We can help you assess the suitability of equity release for your circumstances, including using solutions such as a Lifetime Mortgage or a Home Reversions Scheme to ensure you are able to live in your property for the rest of your life.

Income Tax Planning

There are a number of options for reducing your personal income tax burden while staying within the law, many of which are not only of interest to high earners. While additional rate taxpayers should certainly consider all available options to manage their income tax liability, income tax planning is also sensible those approaching retirement.


We offer a comprehensive and entirely bespoke investment advice service designed to match your personal circumstances and investment goals. We consider all of the key issues, including your overall risk profile, your needs and what level of return you are hoping to achieve.

We offer true ‘whole of market’ investment planning, with our investment committee researching over 50,000 investment options, from global equity trackers to UCIS trading. Our aim is to remove the hassle and stress from investing, keeping the process simple and the returns impressive for your portfolio.

Life Insurance

Life insurance is an essential tool for ensuring that your loved ones are taken care of if you pass away. We can advise you on what type of life insurance cover is appropriate, which policies are most likely to match your requirements and what options you can include in your cover to give your family the best possible protection.

We can also advise you on additional cover, including critical illness insurance, which can be included in your life insurance plan or as a separate policy.

Pension Sharing Orders

Pension assets are typically included in the total value of shared marital assets, meaning that if you get divorced you may be required to share the value of your pension with your former spouse through a Pension Sharing Order.

We can offer combined legal and financial advice, allowing you to efficiently plan your pension assets with respect to your divorce. This means we can help keep your divorce on track while protecting your retirement income.

Trustee Investments

Trustee investments fall under the remit of the Trustee Act 2000, meaning you must comply with strict standards when making investments on behalf of a trust. Our independent financial advisors can ensure you understand and abide by the rules of the Trustee Act so that you can make investments as required while staying within the law.

Saving For Retirement

Planning your retirement finances to achieve the best return on your savings can be complex and may involve various investment alongside your pension or pensions.

We can advise you on all of the available options, including a complete review of your existing retirement planning and a comparison with various retirement planning solutions to ensure you are confident you are getting the best out of your savings.

Why Chattertons’ personal financial planning team is right for you

Chattertons offers comprehensive personal wealth management to clients across Lincolnshire, throughout the East Midlands and across the UK. We are also one of the leading firms of solicitors in the area, as well as being one of the UK’s oldest law firms.

Our dual specialisations allow us to provide a superior service to our clients. We are able to give expert financial advice to help you make the most of our wealth, then take care of all the legal details required to effectively put into place the agreed wealth management strategy.

By keeping all of the work in house, we can act faster and more cost-effectively, streamlining the financial planning process while ensuring there is less scope for things to go wrong, as we will have sole responsibility for your financial affairs.