FAQs

Portcullis Financial Planning provides independent financial advice based on whole-of-market research. We are not tied to any product providers, which allows us to recommend solutions that are appropriate to your individual circumstances.

Portcullis Financial Planning Limited is authorised and regulated by the Financial Conduct Authority (FCA), and has been authorised to provide financial advice since 2010. You can read our FCA firm details here.

You can choose to meet your financial adviser either in person or via secure video call, depending on what works best for you.

Face-to-face meetings are usually held at our office in Bromsgrove, Worcestershire. Home visits may also be available where appropriate.

Off-road parking is available at our office.

We are based in Bromsgrove, Worcestershire, and work with clients across the UK using a combination of in-person and remote meetings.

We are proud to have reviews from our clients on both VouchedFor, and Google. You can also watch video testimonials from clients on our homepage to learn more about their experience of working with us

Your initial consultation is free of charge and without obligation.

We will discuss your financial situation, goals, and concerns, explain how we work, and outline our financial planning services and fees.

An initial meeting typically lasts between 60 and 90 minutes.

No. There is no obligation to proceed after the initial consultation.

We have a female adviser currently in training who is expected to begin advising clients in 2026.

This depends on your agreed service level, but clients receiving ongoing advice will have at least an annual review.

Yes. Cashflow modelling is a key part of our financial planning and retirement planning services where appropriate.

Yes. With your permission, we regularly work alongside accountants, solicitors, and mortgage advisers to provide joined-up financial planning.

Your relationship is with the firm, so another adviser will support you to ensure continuity of advice.

We provide financial planning and advice covering investments, pensions, retirement planning, inheritance planning, and protection.

Yes. We advise on personal and occupational pensions, retirement income planning, and tax-efficient pension withdrawals.

Yes. We regularly help clients review and consolidate multiple pensions where appropriate.

Yes. Where suitable, we can include ethical or sustainable investment preferences within your financial plan.

Yes. We provide inheritance tax and estate planning advice and can work alongside solicitors where needed.

We do not provide mortgage or equity release advice. However, we can work alongside mortgage advisers and refer you to a trusted equity release specialist if required.

No. We do not advise on defined benefit or final salary pension transfers.

We charge clear, agreed fees for financial advice. Fees may be fixed, based on a percentage of assets under advice, or a combination, depending on the service.

Yes. Your initial consultation is free.

We do not receive commission for investment advice. Commission may apply to some protection products and is always fully disclosed.

No. Our fees are not subject to VAT.

We work with individuals and families across the UK, including professionals, company directors, self-employed clients, and retirees.

Yes. We can help assess whether early retirement is achievable and build a plan to support it.

Yes. We can only provide financial advice to UK residents.

Eligible investments may be protected by the Financial Services Compensation Scheme (FSCS), subject to limits and eligibility.

We aim to resolve complaints promptly and fairly. If needed, complaints can be referred to the Financial Ombudsman Service.

We use robust physical, technical, and organisational measures to protect your personal data.

Yes. We hold professional indemnity insurance as required by regulation.

Yes. We were recognised as a Trusted Adviser by VouchedFor in 2026, based on verified client reviews.