Yes. We are independent financial advisers, which means we can recommend solutions from across the whole of the market rather than being restricted to a panel or single provider. We explain why any recommendation fits your goals and circumstances.

Yes. We are authorised and regulated by the Financial Conduct Authority, and our firm reference number is 457946. You can confirm our details on the Financial Services Register.

Yes. You can meet us face to face, or via secure video or telephone, depending on what suits you best. We will agree on the most practical format for the type of discussion you want to have.

Face-to-face meetings are usually held at our office. Where appropriate, we can discuss alternative arrangements in advance.

Yes. Free parking is available at or near our office for client meetings. We can confirm practical details before you visit.

Rowley Turton was founded in 1996 and has been providing financial advice since then. That long track record means we have supported clients through a wide range of market and life events.

We are based just off Junction 21 of the M1, on the outskirts of Leicester. While many clients are based in Leicester and the East Midlands, we also work with clients elsewhere in England using secure video and telephone, and can arrange home visits where necessary.

Two of our three advisers are Chartered Financial Planners, which is widely recognised as a leading UK financial planning qualification. Scott Gallacher became Chartered in 2012 and Martin Stanley in 2013.

Yes. Rowley Turton was awarded Chartered Financial Planners status by the Chartered Insurance Institute in 2013. This reflects a commitment to high standards of advice, ethics, and ongoing development.

Yes. Clients have left reviews on platforms such as VouchedFor, where they can be viewed publicly. We use feedback to improve how we communicate and deliver our service.

We focus on long-term relationships, clear advice, and thoughtful financial planning rather than sales-driven solutions or short-term thinking. Our aim is to help you make well-informed decisions that still make sense years from now.

Our FCA firm reference number is 457946, and our details are listed on the Financial Services Register. The register shows the permissions we hold and how we are regulated.

We work with clients in Leicester and surrounding areas including Oadby, Kibworth, Market Harborough, Hinckley, Loughborough, Stoneygate, Great Glen, Rothley, and Newtown Linford. We also work with clients elsewhere in England via secure video and telephone.

We focus on planning first and products second, starting with what you want your money to do for you over time. We aim to explain things clearly, use evidence-based investment thinking, and review your plan as life and markets change. Our role is to support calm decision-making rather than chasing trends.

Initial meetings can be arranged by phone, email, or via our website. The first conversation is to understand what you want help with and whether our approach is right for you.

Initial meetings can be arranged by phone, email, or via our website. The first conversation is to understand what you want help with and whether our approach is right for you.

No. Initial discussions are usually exploratory and designed to see whether we are the right fit, so there is no charge. There is no obligation to proceed after the first meeting.

We will let you know in advance, but relevant financial documents are usually helpful, such as policy documents, plan statements, trust deeds, and identification. Bringing what you have helps us understand your position and keep the meeting practical.

The first meeting is focused on understanding your circumstances, goals, and concerns, rather than giving detailed advice. If we go on to work together, we will explain what information we need and what typically happens next.

Initial meetings typically last around an hour. If your situation is more complex, we can agree extra time in advance.

No. There is no obligation to proceed after the first meeting. We only start paid work once the scope and fees have been set out clearly in writing.

We do not currently have any female financial advisers. All of our advisers are experienced in working sensitively with a wide range of clients, including widows and people going through divorce.

We have a team of advisers and support staff, so if your adviser is unavailable, another member of the team can assist with urgent matters. We keep clear records, so support remains consistent.

If you receive ongoing advice, we will agree to regular reviews and contact as part of the service. We also send a monthly email newsletter and occasional updates on specific topics where relevant.

Yes. Cashflow planning forms a core part of our wider financial planning approach where appropriate. Scott Gallacher and Martin Stanley provide cashflow planning to most of their clients as a matter of course.

Your financial plan can be reviewed and updated to reflect changes in your circumstances. For existing clients, we can arrange ad hoc meetings at no charge to discuss changes and how they may affect your overall financial position.

Yes. We regularly work alongside accountants and solicitors to ensure advice is joined up and coordinated. With your consent, we can share relevant information and arrange introductions where appropriate.

Yes, with your permission, we can share relevant information with your mortgage adviser. This helps keep decisions consistent across your wider finances.

We aim to ensure continuity of advice by transferring responsibility to another suitable adviser. We will explain any changes clearly and make sure your plan and records are handed over properly.

We do not generally provide example financial plans because each plan is tailored to an individual’s circumstances. We can explain our planning process and show how a plan is structured during discussions.

Yes. Clients can usually view their investments online. Access and features depend on the provider or platform used.

Yes, where appropriate, clients have access to an online portal to view their investments. We will explain what you can see and how access is kept secure.

This depends on the service agreed, but typically at least annually for clients receiving ongoing advice. We can also meet more frequently if your circumstances change or there is a specific issue to discuss.

The first meeting is a two-way conversation to understand your situation, what you want help with, and whether our approach fits. We explain how our planning process works and how fees are structured, and you can ask questions. There is no obligation to proceed.

Yes, we can provide one-off advice for a specific issue, such as a pension review, protection planning, or a second opinion. We agree the scope and fee upfront, and there is no ongoing commitment unless you choose it. Where investments are involved, values can fall as well as rise.

If you use our ongoing service, we review your plan at least annually and sooner if your circumstances change. Reviews let us update goals and assumptions, and adjust the strategy where appropriate. Financial planning works best as an ongoing process, not a one-off event.

If you use our ongoing service, we review your plan at least annually and sooner if your circumstances change. Reviews let us update goals and assumptions, and adjust the strategy where appropriate. Financial planning works best as an ongoing process, not a one-off event.

Ongoing advice is usually suitable if you want a long-term plan linked to your goals, with regular reviews and oversight of pensions and investments. It can be particularly helpful as you approach retirement or during retirement, when income decisions need ongoing monitoring. Charges and service levels are agreed upfront and you can stop the service at any time.

It is common not to know at the outset whether one-off advice or ongoing support is more appropriate. We look at what you want to achieve, how complex the decisions are, and whether ongoing review would add value. You can start with one-off advice and move to ongoing planning later if you choose.

Yes, where appropriate we coordinate with solicitors, executors and other professionals so financial planning aligns with the estate administration. This can reduce duplication and help keep paperwork moving smoothly, while staying clear on each professional’s role. We only share information with your consent.

No, you can use one-off guidance or ongoing support, depending on what you want. We agree the scope and fees upfront, and ongoing advice is by choice, not obligation. You can stop ongoing advice at any time.

We usually start by understanding your situation and clarifying what needs attention now. We explain our approach and fees, and you decide what support, if any, would be helpful. There is no pressure to make big decisions quickly.

We can provide one-off advice focused on a specific issue, with fees agreed upfront. This can include reviews of pensions, investments or existing arrangements, or a second opinion. There is no ongoing commitment unless you choose it.

We do not typically provide mortgage advice. Where needed, we can work alongside your mortgage adviser and share relevant information with your permission.

Yes, where appropriate, we can advise on later-life lending solutions, including equity release. For more complicated cases, we can introduce you to an equity release specialist who is authorised to advise in this area. Equity release is a long-term commitment and can reduce the value of your estate.

Yes. We advise on a wide range of pension arrangements, including personal pensions, occupational pensions, and SIPPs. We explain options, costs, and risks before you make changes.

Yes, where consolidation is suitable. We review charges, benefits, and any guarantees before recommending any transfer, and some changes can be difficult or impossible to reverse.

Yes. We help you understand your options for taking pension benefits and the likely tax implications. Tax treatment depends on individual circumstances and can change, so we explain assumptions and limitations clearly.

Yes, where this aligns with your objectives. We can include ethical or sustainable options within an investment strategy and explain any trade-offs involved. Investments can go down as well as up.

Yes. We regularly help clients invest inherited assets thoughtfully, based on goals, timescales, and cash needs. Investments can go down as well as up.

No. We do not provide advice on Defined Benefit pension transfers. For existing clients, we can arrange an introduction to a specialist who is authorised to advise in this area where appropriate.

Yes, where appropriate. Scott Gallacher holds the CF8 long-term care qualification and has experience advising clients on long-term care and later-life planning. We can also work alongside other professionals where needed.

Yes, as part of wider generational wealth planning. We can help you review options and coordinate with your solicitor where appropriate. Tax planning depends on individual circumstances and tax rules can change.

Yes. We can advise on ISAs as part of your wider financial plan. Investments can go down as well as up.

Yes. We can advise on protection such as life insurance and related cover. We help you assess what you need and explain costs, key terms, and exclusions.

Lifestyle financial planning links your finances to the life you want, using your goals to shape decisions about saving, investing and retirement. We often use cashflow modelling to test different scenarios and show the trade-offs, so you can see what looks realistic. Assumptions can change over time, so plans need review.

We use cashflow modelling to test different retirement ages and spending levels using your income, pensions, assets and assumptions such as inflation. This helps you see what looks achievable and what changes might improve the picture. Investments can go down as well as up, so outcomes are never guaranteed.

No plan can remove uncertainty, but we can reduce it by stress-testing your finances against scenarios like living longer, market downturns and rising costs. We look at how spending might change over time and how your assets could support different income levels. Investments can go down as well as up.

We build an income strategy that considers which assets to use, when to use them, and how to manage tax efficiency and flexibility. We test the plan against different scenarios and review it as circumstances and markets change. Tax rules depend on your circumstances and can change.

Market falls are part of investing, so we plan for them in advance rather than reacting in the moment. This often includes a suitable mix of assets, enough liquidity for short-term spending, and an approach that separates short-term income needs from long-term investing. Investments can go down as well as up.

In the early stages, it usually helps to focus on day-to-day security and understanding what assets, pensions and policies exist, without rushing into major changes. Many longer-term decisions can often wait until things feel calmer, so you can make choices with more clarity. We help you prioritise what is time-critical and what can safely be deferred.

Yes, we support people after a death by providing calm, clear guidance at your pace. We can help you understand what needs attention now, how different assets and benefits work, and what can wait. Where investments are involved, values can fall as well as rise.

In most cases, no, beyond securing short-term finances and meeting any immediate obligations. Taking time can help you avoid irreversible decisions while emotions are raw. We can help you separate urgent tasks from decisions that are better made later.

Yes, different assets such as pensions, ISAs and investments can be treated differently on death, and the rules are not always intuitive. We explain what benefits may be payable, who they may be paid to, and the options for accessing them, including any tax considerations. Tax treatment depends on your circumstances and can change.

Yes, many people want to reduce complexity after a bereavement by consolidating accounts and clarifying what they own. We review existing arrangements and highlight practical ways to simplify while keeping longer-term goals in mind. Any changes are made carefully to avoid unnecessary risk.

That is entirely normal, and financial planning after a death should respect your pace. We can focus first on understanding your position and making sure nothing urgent is being missed. Planning decisions can then be taken in stages when you feel ready.

There is no fixed timeframe, some people want structure quickly, others prefer to move slowly over months. We adapt the process to your needs and focus on the most important decisions first. Support can continue for as long as you find it helpful.

Yes, when you are ready, we can help you reassess priorities and test what different choices could mean for your future. This might include reviewing retirement plans, reshaping income, or planning support for family members. Any investment decisions are made with risk and timeframes in mind, and values can fall as well as rise.

The technical work is similar, but the pace and priorities are different after a loss. We place more emphasis on sensitivity, reassurance and avoiding unnecessary risk, so decisions are made with clarity rather than pressure. Planning usually starts with stability first, then longer-term goals.

Generational wealth planning looks at how to preserve and pass on wealth responsibly over decades, not just reduce tax. We consider your intentions, fairness between beneficiaries and protection against future risks, alongside tax efficiency. Tax rules depend on your circumstances and can change.

Inheritance tax planning often focuses on reducing tax, while generational planning balances tax efficiency with control, flexibility and long-term outcomes. Sometimes paying some tax can be preferable to arrangements that create unwanted restrictions or family issues. We help you understand the trade-offs before you decide.

Yes, where appropriate we can help families have structured conversations so long-term intentions are understood. We balance openness with privacy, so individual circumstances are respected. Clear communication can reduce misunderstandings over time.

Yes, where appropriate we can advise on how trusts might support your aims, such as protecting assets or supporting vulnerable beneficiaries. Trust work is coordinated with legal advice so responsibilities are clear. Suitability depends on your circumstances and objectives.

Yes, unmarried couples can face added complexity around inheritance and tax. We can help you map out intentions, review how assets are held, and consider options alongside a solicitor where needed. Tax treatment depends on your circumstances and can change.

We assess gifting within the context of your wider plan, including affordability, flexibility and your own long-term security. We also consider potential future care needs and how different gifting approaches could affect your position. The aim is to support others without creating future financial pressure.

We use cashflow modelling to test different retirement ages and spending levels using your income, pensions, assets and assumptions such as inflation. This helps you see what looks achievable and what changes might improve the picture. Investments can go down as well as up, so outcomes are never guaranteed.

No plan can remove uncertainty, but we can reduce it by stress-testing your finances against scenarios like living longer, market downturns and rising costs. We look at how spending might change over time and how your assets could support different income levels. Investments can go down as well as up.

We plan retirement income by deciding which assets to use and in what order, while aiming for tax efficiency and flexibility. We test assumptions around spending, inflation and markets, then review the strategy as circumstances or legislation change. Investments can go down as well as up, and tax rules can change.

Market falls are part of investing, so we plan for them in advance rather than reacting in the moment. This often includes a suitable mix of assets, enough liquidity for short-term spending, and an approach that separates short-term income needs from long-term investing. Investments can go down as well as up.

For clients with ongoing advice, we review retirement plans at least annually and sooner if something changes. Reviews update assumptions, reflect changes in spending, respond to market movements and adjust income if needed. This helps keep your plan resilient over time.

For clients with ongoing advice, we review retirement plans at least annually and sooner if something changes. Reviews update assumptions, reflect changes in spending, respond to market movements and adjust income if needed. This helps keep your plan resilient over time.

Yes. Initial discussions are usually exploratory and designed to see whether we are the right fit, with no charge or obligation. Any advice fees are agreed in advance and confirmed in writing before work begins.

Fees depend on the service provided and are agreed in advance. Typically, this includes an initial financial planning fee of £4,000 and an ongoing advice fee of 0.6% per year for clients who choose ongoing advice.

Our minimum fee depends on the nature and complexity of the work. Our typical minimum financial planning fee is £4,000, agreed upfront before we begin.

We charge a clear financial planning fee agreed upfront, and it varies depending on complexity. For many clients, the typical fee is £4,000.

We use a combination of fixed fees and a percentage charge, depending on the service provided. Typically, this includes an initial financial planning fee of £4,000 and an ongoing advice fee of 0.60% per year.

We do not generally receive commission on investment, pension, or financial planning work, and we are paid by our clients. Commission is generally only paid on protection policies, and where this applies, it is disclosed clearly.

VAT is not applicable to our fees. We set out charges clearly in writing before any work is undertaken.

Each year, we carry out a fair value assessment as part of our Consumer Duty obligations, comparing our service and charges with the wider market and local peers. Our assessment is that we provide an above-average service for charges that are below the market average and below local peers.

Our fees are explained during initial discussions and set out clearly in writing before any work is undertaken. This includes what the fee covers and how it is paid.

We agree fees upfront and confirm them in writing before any work begins. This typically includes an initial planning fee, often around £4,000, and if you choose ongoing advice, an ongoing charge, often around 0.60% per annum, for reviews and ongoing oversight. Third-party charges may also apply and we explain these clearly.

For many people, the value of financial planning is clarity and confidence, not just potential returns. A good plan can help you understand whether you are on track, make informed trade-offs and avoid costly mistakes during big life changes. Investments can go down as well as up.

We agree fees upfront and confirm them in writing before any work begins. This typically includes an initial planning fee, often around £4,000, and if you choose ongoing advice, an ongoing charge, often around 0.60% per annum, for reviews and ongoing oversight. Third-party charges may also apply and we explain these clearly.

For investment and pension advice, we are paid directly by clients rather than commission. This helps keep advice objective and aligned with your interests. If commission applies to a specific protection arrangement, we explain it clearly before anything is put in place.

The initial planning fee covers understanding your goals, analysing your current position, and building and testing a financial plan. We then provide clear recommendations and explain your options in plain English. This work creates the foundation for future decision-making.

Ongoing advice is usually charged as a percentage of the assets we advise on, often around 0.60% per annum. It typically covers regular reviews, investment oversight, plan updates and access to advice as circumstances and legislation change. You can stop the ongoing service at any time.

No, we explain our charges upfront and confirm them in writing before work starts. Where third-party charges apply, such as platform or fund costs, we highlight them so you can see the full picture. We aim to keep charging clear and avoid unnecessary complexity.

Only where regulations allow. What we can do may depend on where you live, which products are available, and the relevant rules in each jurisdiction. We will be clear about any limitations before starting work.

We do not set a fixed minimum, but our services are designed for people who value ongoing advice and long-term planning. At the outset, we will confirm whether the scope of work is a good fit for your needs.

We work with people who want clear, long-term financial planning and value straightforward advice. This often includes those approaching or in retirement, business owners and professionals, families planning across generations, and people dealing with bereavement. What matters most is that you want to engage with proper planning.

Eligible investments are protected by the Financial Services Compensation Scheme, subject to eligibility and compensation limits. We can explain what protection may apply to the products and providers you use.

We have a formal complaints process in place and will investigate any concerns promptly. If you remain unhappy, you may be able to refer the complaint to the Financial Ombudsman Service.

We take data protection seriously and comply with UK data protection law. We use secure systems, access controls, and processes to protect your personal information.

Yes. We hold professional indemnity insurance. This provides protection if a regulated firm makes an error in the advice it provides.

You can check our details on the Financial Services Register. The register confirms our FCA firm reference number and the permissions we hold.

We can share examples where appropriate, while protecting client confidentiality. Any examples are illustrative and do not guarantee outcomes.

We measure client satisfaction through ongoing feedback and reviews. We use what we learn to improve service and communication.

Yes. We have been recognised in industry awards and accreditations. Awards do not remove risk, but they can reflect professional standards and ongoing development.

Yes. We are featured on VouchedFor and clients can view reviews there publicly. We treat feedback as one part of how we assess and improve our service.

In the UK, “independent” is a regulatory term, meaning we must consider the whole of the market when making recommendations. This helps keep advice focused on your needs rather than a restricted panel or commercial links. We explain how recommendations are selected and any limitations that apply.

For almost everybody, the answer is yes. Pensions are a great way to save towards your eventual retirement and most employer pension schemes include company contributions which will help boost your retirement savings.

Please note that there are exceptions: some people with very large pension schemes may have certain types of tax protection that could be lost by making contributions to a pension scheme. If in doubt give us a call first.

The rules around pension contributions are very generous. You can pay in up to 100% of your employed or self-employed earnings and your employer can pay in too. There’s an overall limit, which is currently £60,000 a year for most people – although people with very high earnings may have a lower limit.

While generous, the rules around contributions can still be complex, so please contact us before making significant contributions.

Current rules allow for people to take their pension from age 55 but although many of us may be in a rush to retire as soon as possible, it’s important to bear in mind that your pension is intended to last the rest of your life. Drawing your pension at 55 might not be the best idea if this means you run out of money in your seventies.

Deciding when and how to draw a retirement income can be complex and very much depends on individual circumstances. We therefore strongly advice talking your options through with a trusted independent financial adviser before making any decisions.

This depends on the type of pension you have.

Currently, if you have a pension with a fund like a Group Pension Plan, SIPP or you’re in Drawdown then the whole of the pension fund will most likely pass to your named beneficiaries. However, if you’re in a Final Salary type pension scheme or have retired and you are in receipt of an Annuity, then your spouse might receive a widow(er)’s pension and younger children might get a dependents pension.

Even those of us with fairly simple affairs would benefit from a will and with modern families becoming ever more complex it is more important than ever to have a will. Bear in mind that if you have a partner but you are unmarried then, without a will, your partner will not automatically inherit anything. They may also lose out on occupational benefits such as ‘Death in Service’ life assurance benefits.

Yes – regardless of your wealth you should try to always have an emergency fund. While an extreme example, the Coronavirus lockdown showed how many of us are financially vulnerable to matters way beyond our control. You should aim to have three to six months expenditure set aside as a cash reserve (in instant access, short-dated deposit or National Savings).

The rules around ISA contributions are very generous. Under current rules, you can pay in up to £20,000 per tax year, tax free.

*Note: – Some types of ISAs have lower contribution limits so please contact us before making an ISA contribution

Often, yes – most investments carry the risk of capital loss but they typically also offer better potential returns than savings accounts. It’s because of those potentially higher returns that many people use investments to help maximise their wealth and achieve their financial goals.

It’s important to understand the risks associated with any investment. Please contact us for advice before making a decision on whether to invest or not.

Please note investments may rise and fall and you may not get back what you put in. It’s also important to note that past performance is not a reliable indicator of future results.

Yes and no. UK bank and building society accounts are generally regarded as safe as they should be protected by the Financial Services Compensation Scheme up to a certain limit*.

However, there are other risks that you might not be aware of, such as inflation eroding the real value of your savings. We’d prefer to describe savings as being ‘certain’ rather than ‘safe’. There is a difference!

*If you are unsure whether or not your savings are protected, please give us a call to discuss.

Yes – It’s normally best to place protection policies under trust as this can save tax and help ensure that the benefits are available without unnecessary delay such as probate.

Please contact us if you’d like to review your existing protection policies and any trust arrangements.

We help you make informed, long-term decisions about your money by building a plan around your goals and circumstances, then recommending suitable solutions. As independent financial advisers, we can research options across the market rather than being tied to a limited range of providers. Where investments are involved, values can fall as well as rise.

Not necessarily, but many people value an independent perspective when facing decisions they only make once or twice, such as pensions or retirement income. Even straightforward finances can benefit from a structured plan that shows what is realistic over time. We keep the scope proportionate to what you need.