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Create a more secure financial future

Holistic Financial Planning

A carefully designed financial plan can give you the freedom to do even more of the things you want – and maybe even others you never thought possible.

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Benefits of Holistic Financial Planning

Our highly personalised service allows our Financial Planners to create a deep relationship with you, building you a financial plan that’s specifically designed to meet your needs.

You’ll have direct contact with your Financial Planner so you can speak to the person responsible for your financial plan.

With offices throughout the UK, you can choose a Financial Planner nearest to you. You’ll have regular contact in person, over the phone and through our secure client portal.

We’ll explore every aspect of your financial world, taking everything into account to create a plan that matches your individual needs, objectives and risk appetite.

We have a range of planning tools and techniques so you can be more tax-efficient with your savings, plan your retirement, mitigate inheritance tax, protect your wealth and much more.

We provide a wide range of wealth and investment management services, and we’ll find those that are most relevant to you. We’ll also make sure you understand everything we’re doing and are comfortable with your financial decisions.

Typically, we provide financial advice to those with assets over £200,000. If you’re looking for services at lower levels, we have alternative options.

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Why Holistic Financial Planning could be ideal for you

Individuals and families come to us for professional financial planning advice for all sorts of reasons. We’re here to help you create a more secure financial future for yourself and your family.

You want professional expertise

You’ve decided that now is the right time to take control. Find the most efficient ways to organise your finances and investments by delegating the responsibility and taking advantage of professional expertise.

You want help to reach your financial goals

You have a specific goal in mind, such as saving to pay for your children’s education, paying off your mortgage or consolidating several pensions into one scheme.

Your life is changing

Something has happened in your life, such as an illness, or is about to happen, such as approaching retirement, and you want to make sure you and your family are in a secure financial position.

You’re dealing with a lump sum

You’ve received a large sum of money – perhaps from your pension, an inheritance, settlement or business sale – and you want to work out how best to organise and structure your wealth.

Where are you in your life? Request a call back

Latest insights

Read our latest commentary, in-depth guidance and stories to help educate yourself on key financial matters. Sign up to receive regular email updates with our latest insights.

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What is section 899 and what could it mean for investors?
By  Patrick Farrell
Chief Investment Officer and Head of Research
16 Jun 2025 | 3 min read
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The financial ages of life

Life is full of surprises. Yet we find that people tend to focus on some common themes at similar times in their lives. You might find it helpful to think about your own financial journey through these life stages.

Start your financial journey

Foundation stage: 20s

Managing your finances in your 20s isn’t always a priority even though you may be taking on your own financial responsibilities for the first time; it's good to start with the basics.

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Build on your foundation

Accumulation stage: 30 to 40

Even when day-to-day life is really busy, it’s important to keep your financial future in focus with things like pension planning and making the most of other tax-efficient investments.

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A time for growth

Growth stage: 40 to 55

They say life begins at 40, and these peak earnings years are a good opportunity to enjoy your hard-earned money and maximise your savings and investments.

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Establish your financial plans

Establishing stage: 55 to 65

As family life changes and you start to think about stepping back from work or retiring completely, you’ll want to make sure any decisions you make are backed by solid financial plans.

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Time to enjoy your retirement

Preservation & Reward stage: 65 to 75

Now’s the time to enjoy the financial security that’s come from your hard work and careful financial plans by using your savings and investments in the most efficient ways to enjoy your life.

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The key to conservation

Conservation stage: 75+

In your later years, you’ll be thinking about what you can give to others now and in the future, and organising your assets to make sure your family don’t pay more tax than they need to.

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What can you expect?

There’s a lot to think about when developing and implementing your holistic financial plan. We’ve put together everything that’s involved into these five stages:

Don't just take our word for it

Providing high quality service to our clients

Communication

98%

are satisfied with the quality and promptness of communication​

Respondents from our 2024 Private Client Survey.

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Excellent personal contact from my financial adviser and his support team.

Financial Planning client

2024 Private Client Survey

Highly professional excellent service and support. I am so relieved and reassured to have my finances looked after by the team at Charles Stanley.

Financial Planning client

2020 Private Client Survey

Since our personal contact with Charles Stanley began, I have felt very reassured about the future for not only us but our children and grandchildren even with the uncertain turmoil at the moment with the markets.  I have confidence in them. This means a lot to me as I do not understand the workings of the Stock Market at all. Thank you.

Financial Planning client

2020 Private client survey

Award winning service

We’re proud to be shortlisted and winners of many awards and accolades, as they showcase the value of our esteemed colleagues and high-quality services we provide by both our industry peers and clients themselves.

View all our awards
2020 Top Financial Planning Companies
2020 Best Financial Planning - Mia Kahrimanovic
2020 Top 100 Financial Advisers - 57th place

Find a financial planner

Use the filter below to find a financial planner in your local area.

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Get a better understanding of your current situation and the options available to you, take advantage of a free one hour consultation with an expert local to you.

0207 739 8200 (Open Mon-Fri, 9am-5pm)

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Frequently asked questions

For most people, financial planning is about creating a better life for themselves and their families and giving them the peace of mind that money is one thing they won’t have to worry about. It can also help to answer some of life’s most pressing questions, such as when you’re likely to be able to afford to retire and how much money you’ll have to spend. Your financial plan will give you the information you need to make important choices throughout your life.

  • Tax efficient savings and investment planning
  • Pre and post retirement planning
  • School fees planning
  • Wealth protection, life insurance including Critical illness, key person and income protection.
  • Divorce planning
  • Inheritance Tax Planning
  • Long term care planning
  • Bereavement planning
  • Trust and estate planning

In the first instance, we’ll arrange a conversation, which can be in person at one of our offices or another place to suit you, or through a video or phone call. This meeting will give you a chance to tell us about your situation and what you’re looking to achieve. We’ll be able to tell you a bit more about how we can help, and you’ll also have the opportunity to ask us any questions you may have. There’s no charge for this first step.

The answer depends on what you’re looking to achieve through the process, which is likely to change throughout your life. For instance, when people are still working they tend to focus on building up a pot of money for later life, as well as protecting their family against the unexpected. When they get older, the emphasis tends to shift to things like covering the costs of long-term care and finding the most tax-efficient ways to pass on wealth.

There are lots of things we can do to help your organise and structure your assets in the most efficient ways, such as making sure you’re taking full advantage of all your tax-free allowances for saving and investing. We can also use more sophisticated techniques, such as setting up trusts, although we’ll usually favour the most straightforward approach.

Charles Stanley is not a tax adviser. The information provided here is based on our understanding of current UK legislation, taxation, and HMRC guidance. References to tax reliefs and allowances are correct at the time of publishing but can change in the future. Tax treatment depends on the individual circumstances of each person or entity and could also change in the future. If you are in any doubt, you should seek professional tax advice.