Yes. Rowley Turton (IFA) Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Our Financial Services Register number is 457946.

You can check our details and regulatory status on the Financial Services Register, which is maintained by the FCA.

We would always encourage anyone considering financial advice to check that the firm they are dealing with is properly authorised and regulated.

Yes. We’re happy to meet in person or by video call, depending on what works best for you.

Face-to-face meetings are usually held at our Leicester office at Meridian Business Park, where we have private meeting rooms and on-site parking.

We also work with clients throughout the UK, so video meetings can be a convenient option if you live further away or simply prefer to meet remotely.

Yes. We offer free client parking directly behind our Leicester office, with two visitor spaces clearly marked with Rowley Turton signs. Both spaces have complimentary electric vehicle charging available for clients.

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.

Our office is at Bramcote House, Ervington Court, Meridian Business Park, Leicester LE19 1WL. We offer free client parking directly behind the office, with two visitor spaces clearly marked with Rowley Turton signs. Both spaces have complimentary electric vehicle charging available for clients.

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.

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.

Our ongoing financial planning service is typically most suited to people with £350,000 or more in pensions and investments. However, we don’t assess whether we can help based on the value of your assets alone. Your wider circumstances, the complexity of your finances and the decisions you need to make are also important.

If you’re unsure whether our service is right for you, an initial conversation can help us both decide whether we’re a good fit.

You can book an initial meeting by calling us on 0116 282 2177, emailing enquiries@rowleyturton.com, or using the contact form on our website.

Meetings can be held in person at our Leicester office or by video call, depending on what works best for you.

If you’re not sure whether financial planning is right for you, the initial meeting is an opportunity to find out more before making any decisions.

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.

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.

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. Where appropriate, we work alongside your existing accountant, solicitor and other professional advisers to help make sure the different parts of your financial plan are considered together.

This can be particularly valuable for business owners approaching retirement or considering succession or a future sale, and for families thinking about how to pass wealth between generations. Your accountant or solicitor may advise on relevant tax, legal or business matters, while we help you understand how those decisions fit with your personal finances, retirement plans and longer-term objectives.

With your consent, we can share relevant information and work collaboratively with your other professional advisers 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 access our secure online client portal, which allows you to view information about your investments and keep track of your financial arrangements online. We’ll provide access and explain how to use the portal when you become a client.

If you receive our ongoing financial planning service, we will normally meet with you at least once a year for a formal review of your financial plan.

However, financial planning isn’t something that should only be looked at once a year. We’ll keep in touch between reviews and you can contact us whenever you have a question, your circumstances change or you are considering an important financial decision.

Additional meetings or conversations can be arranged where appropriate. How often we need to speak will depend on your circumstances and what is happening in your life.

The aim is to keep your financial plan relevant as your life, priorities and financial circumstances change.

Your initial meeting is an opportunity for us to get to know each other and understand what has prompted you to seek financial advice.

We’ll talk about your circumstances, what matters to you, the questions you would like financial planning to answer and how we may be able to help.

The meeting usually lasts around an hour. There is no charge for the initial meeting and no obligation to become a client afterwards.

We’ll explain how we work, the likely next steps and any fees that would apply before you decide whether you would like to proceed.

Our aim is for you to leave the meeting with a clear understanding of whether Rowley Turton is the right firm to help you.

If we agree that working together is the right fit, the next step is usually to gather more detailed information about your finances, circumstances and what you want to achieve. We’ll explain the work we propose to carry out and the fees involved before you decide whether to proceed.

We can then analyse your position, build your financial plan and, where appropriate, make recommendations. We’ll take you through our findings clearly, explain your options and answer any questions before anything is implemented. If you choose ongoing financial planning, we’ll then keep your plan under review as your life, priorities and circumstances change.

That depends on what you need help with. One-off advice may be appropriate if you have a specific financial decision to make, while ongoing financial planning may be more suitable if your circumstances, goals and financial arrangements need regular review.

Ongoing planning can be particularly valuable around retirement, where decisions about spending, income, investments, tax and supporting your family may need to adapt over time.

We’ll discuss what you need and explain the options available, so you can decide what level of support is appropriate for you.

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.

Yes. Many of our new clients come to us through introductions from existing clients, and we are always grateful when someone feels confident recommending Rowley Turton to a friend, relative or colleague.

If you know someone who may benefit from speaking to a financial planner, you are welcome to introduce them to us or simply pass on our contact details.

There is no obligation for them to become a client. We can have an initial conversation to understand their circumstances and establish whether we are the right firm to help them.

We will always treat anyone you introduce with the same care and professionalism that we would want you to receive yourself.

Yes. We often work with more than one generation of the same family, where this is appropriate.

This might involve helping adult children with their own financial planning, supporting family members who receive gifts or inheritances, or helping different generations understand how wider family wealth may develop over time.

Each person remains an individual client with their own objectives and confidentiality, but where everyone agrees, working across generations can help families make better-informed financial decisions and plan more effectively for the future.

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. One of the main purposes of financial planning is to help you understand what your existing resources could allow you to do. We can bring together your income, spending, pensions, investments and other assets and use cashflow modelling to explore how your finances might develop over time. This can help you make decisions about retirement, spending, gifting and other life choices with greater clarity and confidence.

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.

Possibly. The important question is not simply how much you can give, but how any gift could affect your own financial security and future plans. We can use financial planning and cashflow modelling to explore different scenarios, helping you understand what you may be able to give, when you could give it and the potential impact on your finances over the years ahead. We can also consider relevant tax and estate planning implications as part of your wider generational wealth plan.

We can use cashflow modelling to explore different levels of retirement spending and what they could mean for your finances over time. Rather than simply asking how little you need to spend to make your money last, the aim is to understand what you can reasonably afford while maintaining an appropriate level of financial security for the future.

Cashflow modelling helps you understand what your financial future could look like by bringing together your income, spending, pensions, investments, savings and other assets.

We use it to explore questions such as when you can afford to retire, how much you can sustainably spend, whether your money is likely to last and how decisions you make today could affect your future.

We can also model different scenarios — for example, retiring earlier, spending more in the early years of retirement, helping children or grandchildren, or experiencing lower investment returns or higher inflation.

Cashflow modelling cannot predict the future, but it can help you understand the potential impact of different decisions and assumptions. Your plan can then be reviewed and updated as your circumstances change.

Ultimately, it helps turn your pensions, investments and other assets from a collection of numbers into a financial plan built around the life you want to live.

Yes. A longer life can mean more opportunities, but it also means your financial plan may need to support you for several decades. We can help you consider how much you can afford to spend and enjoy today while maintaining financial security for the future.

Using financial planning and cashflow modelling, we can explore different scenarios, including living longer than expected, changes in spending, future care needs and helping your family. The aim isn’t to predict how long you will live, but to build a flexible plan that gives you confidence to enjoy life today while preparing for tomorrow.

It’s a subject Rowley Turton director Scott Gallacher explores more widely in his book, 50 Today, 100 Tomorrow, which looks at how the possibility of a longer life can influence the decisions we make about money, work, family and the future. [Explore 50 Today, 100 Tomorrow →]

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.

There is no single age at which you can afford to retire. The answer depends on the lifestyle you want, what you expect to spend and the financial resources available to support you.

We can bring together your pensions, investments, savings, other assets and expected future income, and use cashflow modelling to explore what retirement at different ages could look like.

This can include testing different assumptions about investment returns, inflation, spending and longevity, and considering how your plans might cope if circumstances are less favourable than expected.

If you are considering retiring earlier than originally planned, we can model that too, helping you understand the financial trade-offs involved and whether your desired lifestyle appears sustainable.

The aim is not simply to identify the earliest possible retirement date, but to help you understand when you can retire with confidence and enjoy the lifestyle you have worked hard to achieve.

This is one of the most common concerns we hear from people approaching or already in retirement.

No one can know exactly how long they will live or what future investment returns, inflation and spending will be. However, financial planning can help you understand how resilient your plans may be under a range of different circumstances.

We can use cashflow modelling to consider your expected income, expenditure, pensions, investments and other assets over your lifetime, and explore what could happen if circumstances are different from those expected.

Your plan can then be reviewed as markets, legislation, your spending and your circumstances change.

The aim is to give you greater confidence about what you can afford to spend and enjoy, while reducing the fear of running out of money later in life.

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 believe retirement planning is about much more than pensions and investments. It starts with understanding the life you want to lead, what that life might cost and how your finances can support it — not just now, but potentially for many decades.

This thinking is explored further in 50 Today, 100 Tomorrow, written by Rowley Turton director and Chartered Financial Planner Scott Gallacher. The book considers the financial and lifestyle decisions involved in planning for a longer retirement, including how to balance enjoying life today with maintaining financial security for the future.

Not necessarily. Whether ongoing advice is right for you will depend on your circumstances and how much support you want. Retirement can involve decisions about how much to spend, where to take income from, how your investments are managed and whether you want to support your family financially. Ongoing financial planning can help you review these decisions as your circumstances, priorities and financial position change over time. We’ll discuss the level of support that is appropriate for you rather than assuming you need an ongoing service.

Our standard initial financial planning fee is £4,000, although the actual fee will depend on the complexity of your circumstances and the work required.

For more straightforward planning, the fee may be lower. Where more complex or extensive advice is required, we will explain any additional cost.

There is no charge for your initial meeting. Once we understand your circumstances and what you would like us to help you achieve, we will explain the scope of the work and agree the fee with you before you decide whether to proceed.

You can find more information about our fees on our ‘How are we paid‘ page.

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

Each year, we assess the value provided by our services as part of our Consumer Duty responsibilities. This includes reviewing our charges and the service clients receive, with reference to the wider market and comparable firms.

Our typical ongoing advice fee is 0.60% a year. By comparison, recent NextWealth research found an average ongoing advice charge of 0.83%.

We do not aim simply to be the cheapest. Our focus is on providing good value through high-quality financial planning, clear advice and an ongoing service that reflects the needs of our clients.

Our fees depend on the type of advice and financial planning you require.

Initial financial planning and advice will normally involve an agreed fee based on the work required. If you choose to receive an ongoing financial planning service, an ongoing fee will also apply.

We will explain clearly what work is included, how much it will cost and how the fee will be paid before you make any commitment.

We believe it is important that you understand not only what financial advice costs, but also what you are receiving in return for that fee.

You can find full details of how we charge and the value our financial planning service aims to provide on our “How we are paid” page.

For many people, the value of financial planning lies in having greater clarity, confidence and structure around important financial decisions.

A good financial plan can help you understand whether you are on track for the future you want, make informed choices about retirement, investments, tax planning and passing wealth to future generations, and avoid costly mistakes when circumstances change.

The value is not simply about investment returns. It can also come from having a clear plan, using your time more effectively and having an experienced adviser to help you make decisions over the long term.

Investments can fall as well as rise, and you may not get back the amount invested.

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.

Your initial planning fee covers the work required to understand your circumstances, objectives and priorities, analyse your existing arrangements and develop appropriate financial planning recommendations.

The precise work involved will depend on your circumstances and the advice you require. We will explain what is included, together with the agreed fee, before any work begins.

For clients using our Wealth Management Service, our ongoing advice fee is typically 0.60% a year of the investments we manage and review, although a lower percentage may apply to larger portfolios.

The fee covers ongoing financial planning, regular reviews, investment oversight and access to advice as your circumstances, priorities and relevant legislation change.

You can end the ongoing service at any time.

We aim to make all costs clear from the outset. Our own fees are agreed with you in advance and confirmed in writing before any work begins.

Where third-party charges apply, such as platform or investment costs, we will explain these clearly so that you understand the overall cost of the arrangements before proceeding.

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 work with people who value clear, long-term financial planning and want straightforward, considered advice.

Our clients often include people approaching or in retirement, business owners and professionals, families thinking about generational wealth planning, and those dealing with a significant life event such as bereavement.

What matters most is that you value proper financial planning and want an ongoing relationship with an adviser who understands your circumstances and priorities.

Yes. We work with business owners on their personal financial planning, particularly where their business forms an important part of their wealth or retirement plans. We can help bring together your business, pensions, investments and other assets so you can understand when you may be able to step back or retire and how the wealth you’ve built can support your future lifestyle and family.

No. While our office is in Leicester, we work with clients across the UK. Many clients choose to visit us at our Leicester office or meet with us remotely by Zoom or Microsoft Teams, and some of our advisers can also travel to meet clients where appropriate. We’ll agree an approach that works for you, so living further afield doesn’t need to be a barrier to working with us.

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.

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.

Rowley Turton provides independent financial advice.

Being independent means we are not restricted to recommending the products or investments of a particular provider. We can consider solutions from across the relevant market when making recommendations, based on your individual circumstances, needs and objectives.

We believe this is important because financial planning should start with understanding you, what you want to achieve and what your money needs to do for you, rather than starting with a particular product or investment solution.

Yes, there can be considerable value in starting your personal financial planning well before any eventual business sale.

Understanding how much you need to support the retirement and lifestyle you want can help you establish what you actually need from the business and how dependent your plans are on achieving a particular sale value.

We can explore different scenarios involving your pensions, investments, other assets and assumptions about the business, while working alongside your accountant, solicitor or other professional advisers where appropriate.

Rowley Turton does not provide corporate finance or legal advice on selling a business. Our role is to help you understand how the decisions you make about your business affect your personal financial future.

You don’t necessarily need to have decided what will happen to your business before starting your personal financial planning.

We can explore different scenarios — such as selling the business, retaining an interest, gradually stepping back or passing it to the next generation — and consider what each might mean for your personal finances and retirement.

This can help you understand how much financial flexibility you already have, what you may need from the business and how different outcomes could affect the lifestyle you want.

Where tax, legal, valuation or succession advice is required, we can work alongside the appropriate professional advisers.

This is common for business owners who have spent many years reinvesting in and building their company.

Financial planning can help you understand how dependent your future lifestyle is on the business and how your pensions, investments, savings and other personal assets fit alongside it.

We can model different scenarios for the future and help you consider whether building greater financial independence outside the business could give you more flexibility over when and how you eventually step back.

We do not value or sell businesses, but we can help you understand what different outcomes for the business could mean for your personal financial plans.

The amount you can contribute to a pension and benefit from tax advantages will depend on your individual circumstances and the pension rules applying at the time.

Factors can include your earnings, contributions already made during the tax year, contributions made by an employer, previous years’ unused allowances and whether particular restrictions apply to you.

Rather than simply asking how much you can contribute, financial planning can help you consider how much it makes sense to contribute as part of your wider retirement plans.

We can help you consider pension contributions alongside your other assets, income, tax position and longer-term objectives. Tax and pension rules can change, and individual circumstances need to be considered.

The age at which you can access a pension will depend on the type of pension you have and the rules applying to it. Different rules can apply to some older pensions and particular circumstances, and the minimum pension age can change over time.

However, being able to access your pension doesn’t necessarily mean that you should.

We can help you consider when to start drawing from your pensions alongside your other income, savings and investments, the lifestyle you want in retirement and how long your money may need to last.

For many people, the more useful question isn’t simply “When can I access my pension?” but “When and how should I use my different assets to support the retirement I want?”

What happens to your pension when you die will depend on the type of pension you have, the rules of the pension scheme and your individual circumstances.

Depending on the pension, benefits may be available to your spouse, partner, children or other beneficiaries. It is therefore important to make sure any beneficiary nominations or expressions of wish are kept up to date.

The tax treatment of pension benefits on death can be complex and the rules can change, so it is important to consider your pensions as part of your wider financial and estate planning rather than in isolation.

We can help you understand how your pensions fit alongside your other assets and your wishes for your family, and work with your solicitor or other professional advisers where appropriate.

A will can be an important part of making sure your wishes are understood and your estate passes in the way you intend.

Rowley Turton does not provide legal advice or prepare wills, but we can help you consider how your will fits alongside your wider financial and generational wealth plans. Where appropriate, we can work alongside your solicitor to help ensure the different elements of your planning are considered together.

Whether you have enough to retire from your business depends on much more than what the business may eventually be worth.

We can bring together your pensions, investments, savings, other assets and the wealth tied up in your business, alongside what you want your retirement to look like and how much you expect to spend.

Using cashflow modelling, we can explore different scenarios — for example, retiring at different ages or assuming different amounts are eventually available from the business — to help you understand what may be sustainable.

The aim is to help you understand what you need from the business before you step back, rather than simply assuming that a future sale will fund your retirement.

All investments involve some degree of risk, and their value can rise as well as fall.

The important question is not whether investing involves risk, but what level and type of risk is appropriate for you.

We look at your objectives, timescale, capacity for loss, need for access to money and wider financial circumstances before recommending an investment approach.

We also believe risk should be considered in the round. Holding too much in cash for long periods can create a different type of risk, as inflation can reduce its real value over time.

Our role is to help you understand the risks you are taking and make informed decisions that are consistent with your wider financial plan.

Cash savings can provide security and easy access to money, which makes them an important part of many financial plans.

However, “safe” can mean different things. While cash does not usually experience the same day-to-day fluctuations as investments, its purchasing power can be reduced over time if interest rates fail to keep pace with inflation.

There are also limits to the protection available under the Financial Services Compensation Scheme, so it is sensible to check the current rules when holding significant amounts of cash.

We can help you decide how much cash it is sensible to hold for short-term needs and emergencies, and how the rest of your money might be structured for longer-term objectives.

Whether a life assurance policy should be placed in trust will depend on the type of policy, who you want to receive the benefits and your individual circumstances.

Using an appropriate trust can sometimes help ensure benefits are paid to the intended people efficiently, but it is important that the trust arrangement is suitable and correctly established.

We can help you consider how your protection arrangements fit with your wider financial and generational wealth plans and, where appropriate, work alongside your solicitor or other professional advisers.

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.

50 Today 100 Tomorrow is a book by Rowley Turton director and Chartered Financial Planner Scott Gallacher about planning for the possibility of a much longer life.

It explores the financial and personal decisions we can make today to give ourselves greater choice, confidence and independence in later life. Rather than thinking about retirement as a single event, it considers how our money, health, family, purpose and priorities may evolve over a retirement that could last 30, 40 years or more.

The ideas behind 50 Today 100 Tomorrow also reflect an important part of our approach at Rowley Turton: helping clients plan not simply for retirement, but for the life they want their wealth to support.

100 Tomorrow is a project founded by Rowley Turton director and Chartered Financial Planner Scott Gallacher, exploring what it means to plan for the possibility of living to 100.

It looks beyond pensions and investments to consider the wider implications of longevity, including retirement, health, family, purpose and how our financial needs and priorities may change over a longer lifetime.

The project complements Scott’s book, 50 Today 100 Tomorrow, and reflects a theme that is increasingly important in financial planning: making decisions today that preserve choice and flexibility for the decades ahead.