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To have an initial conversation with an adviser, contact us on 0117 9237652 or at [email protected].

No. We offer an initial conversation at no cost and with no obligation. This gives you the opportunity to understand how we work, ask any initial questions and decide whether you feel we are the right fit for you.

There is no expectation to proceed beyond this point, and we encourage you to take the time you need to make that decision.

The first conversation is focused on understanding your circumstances and what has prompted you to get in touch.

We will talk through your current position, the areas you would like help with and what you are hoping to achieve. We will also explain how we work and outline the different ways we may be able to support you, so you have a clear understanding of your options.

Initial meetings typically last around 45–60 minutes. However, we will always allow sufficient time to understand your situation properly and ensure you have the opportunity to ask any questions you may have.

There is no need to feel rushed, and the conversation can be guided at a pace that feels comfortable for you.

There is no requirement to prepare anything ahead of the initial conversation.

If you have access to information about your pensions, investments or other financial arrangements, this can be helpful, but it is not essential. The first discussion is primarily about understanding your situation and how we may be able to help.

If we agree to take things further, we will guide you through exactly what information is needed and help you gather it.

Yes, if you have documents such as pension statements or investment summaries available, these can be helpful in providing an initial overview of your position.

However, this is entirely optional, and we can guide you through what information may be useful as we move forward. Many clients prefer to keep the first meeting more conversational, which is absolutely fine.

No. There is no obligation to proceed.

Many clients take time after the initial meeting to reflect on what has been discussed before deciding whether they would like to continue. We believe this is an important part of the process and encourage you to move forward only when you feel comfortable doing so.

We typically work with individuals and families who have built up combined pensions, investments and/or investable cash of £200,000 or more and are looking for a considered and integrated approach to their financial planning.

We work with clients at all stages of life: some are approaching retirement or already retired, some are much earlier in their financial journeys and want to make well-informed decisions for the future. Some examples are clients that have come to us when they are getting divorced and need advice around pension sharing arrangements, some that have inherited funds and want to consider investment options and some that are changing jobs and want to make sure their previous workplace pension doesn’t get left behind in their planning.

We typically work with individuals and families who have combined pensions, investments and/or investable cash of £200,000 or more. However, the most important thing at the outset is simply to have a conversation.

An initial discussion costs nothing and carries no obligation, and it allows us to understand your circumstances and for you to decide whether you feel we are the right fit for you.

Yes. A number of our clients are business owners, and we regularly advise on personal financial planning, investment of business capital or cash, and how personal and business interests work together.

Our advice can include planning for retirement, structuring investments efficiently and considering longer-term goals such as succession or exit planning.

There is no single threshold, but most people find that financial advice becomes particularly valuable at moments of change or complexity, such as approaching retirement, receiving an inheritance, going through a divorce, or simply feeling that their finances have grown beyond what they feel comfortable managing alone.

A good starting point is an initial conversation. This costs nothing and carries no obligation, but it can give you a much clearer sense of whether advice would add value in your circumstances.

We only advise UK residents. This ensures we are working within our regulatory permissions and that any advice we give is appropriate to your circumstances.

There are several things worth considering. First, check that the adviser is regulated by the Financial Conduct Authority and that their registration is current. Second, look at their qualifications. Third, consider whether they are independent, as this means they can recommend solutions from across the whole market rather than being tied to a limited range.

Beyond the practical checks, the relationship matters. A good financial adviser takes the time to understand your circumstances, explains things clearly and keeps you informed. Many of our clients come to us through personal recommendation, which we believe reflects the importance of trust in this relationship.

We would always encourage you to meet more than one adviser before making a decision, and to take your time. An initial conversation with us costs nothing and carries no obligation.

An independent financial adviser, or IFA, can recommend products and solutions from across the whole market, without being tied to any particular provider or range. This means our advice is based solely on what is most appropriate for you.

A restricted adviser can only recommend certain products or providers, which may limit the options available to you. Churchill Wealth Management is fully independent, which means our recommendations are always unbiased and based on a comprehensive review of the market.

The terms are sometimes used interchangeably, but there is an important distinction. A financial adviser focuses on providing advice across a broad range of financial planning areas, including pensions, investments, tax planning and protection.

A wealth manager typically focuses more specifically on managing investment portfolios, often on a discretionary basis. At Churchill, we offer both, combining independent financial advice with discretionary investment management, so that your financial plan and your investments are always working together.

Our approach is designed to give you clarity and confidence in your financial decisions.

We begin by taking the time to understand your current position, your priorities and what you are looking to achieve. We then carry out detailed analysis of your existing arrangements and consider how these can be improved or better aligned with your objectives.

This leads to a set of clear, tailored recommendations for you to consider. If you choose to proceed, we will implement these and, where appropriate, continue to review them over time.

The overall timescale will depend on your individual circumstances and the complexity of your arrangements.

In many cases, it takes several weeks to gather information from providers, carry out analysis and prepare recommendations. We take a measured and considered approach throughout, ensuring that decisions are made carefully and that you feel comfortable at each stage.

A significant part of the process involves gathering detailed information from existing providers and ensuring we have a complete and accurate understanding of your position.

We also carry out research and analysis to ensure that any recommendations are appropriate and aligned with your objectives. Taking the time to do this properly is an important part of delivering high-quality advice.

Yes. You will have a dedicated adviser who understands your circumstances and what matters to you.

At the same time, you are supported by the wider Churchill team. This ensures that there is continuity in the advice you receive, that your arrangements benefit from a broader level of expertise and that there will always be someone to help you even if your adviser is away or unavailable.

As a client of Churchill Wealth Management, your relationship is with the firm as a whole rather than an individual.

This means there will always be someone familiar with your situation available to help when needed, providing continuity and reassurance over the long term.

Yes. We regularly work alongside other professional advisers to ensure your financial planning is coordinated and implemented effectively.

Yes, we are very happy to involve other family members in discussions.

This can be particularly helpful where decisions affect the wider family or where additional support is needed in understanding or implementing arrangements.

Yes, we have example case studies for you to read on our website. All of these case studies reflect real life advice scenarios, but we have changed all names for confidentiality purposes.

Your investments are managed in line with an agreed strategy that reflects your objectives, your attitude to risk and your overall financial position.
We ensure that your portfolio is structured appropriately and reviewed regularly so that it remains aligned with your goals over time.

Discretionary investment management allows us to make day-to-day investment decisions on your behalf within an agreed framework.
This means we can respond to market conditions and manage your portfolio actively, without needing to seek approval for each individual decision, while still working within the parameters we have agreed with you.

We take the time to understand your attitude to risk, your capacity for loss and your overall financial objectives.

This allows us to recommend an investment strategy that is appropriate for your circumstances and one that you feel comfortable with over the long term.

Investment markets will rise and fall over time, and periods of volatility are a normal part of investing.

We take a long-term view when constructing portfolios and ensure they are designed to withstand different market conditions. During periods of uncertainty, we continue to monitor portfolios closely and make adjustments where appropriate.

Yes. Investments can fall in value as well as rise, and you may get back less than you originally invested.

We take care to recommend an approach that is appropriate for your circumstances, but it is important to recognise that all investments carry some level of risk.

Portfolios are reviewed regularly throughout the year to ensure they remain aligned with your objectives and appropriate for current market conditions.

Yes. Your investment strategy is not fixed and can be reviewed as your circumstances, objectives or attitude to risk change.

Yes, we can help with this. We will discuss your objectives, attitude to risk, time horizon for investment and your tax status. If appropriate, we will make recommendations for you to consider and talk through the risks associated with investing, including that the value of investments can go up as well as down.

Yes. We help you understand how your pensions and investments can be used to support your retirement plans.

This includes looking at when you may be able to retire, how much income you may be able to take and how your financial position may evolve over time.

Yes. Where appropriate, we can review your existing pensions and consider whether consolidating them into a single arrangement may be beneficial.

This can help simplify your finances and make it easier to manage your retirement planning.

Yes. Cashflow modelling is an important part of our process and allows us to illustrate how your financial position may change over time.

This can help you understand the impact of different decisions and give you greater confidence in your plans.

Yes. In many cases, pensions can be accessed flexibly, allowing you to take income in a way that suits your needs.

We will help you understand the options available and how these fit with your wider financial planning.

Yes. We consider tax efficiency as part of your overall planning and help structure your income in a way that is appropriate for your circumstances.

We do not currently offer advice in this area, but we can provide details of pension transfer specialists and explain some of their process. Alternatively, you can search the FCA's Financial Services Register to find firms who are authorised to advise on pension transfers.

Yes, we regularly advise clients on SIPPs and other personal pensions.

Yes. We can help you understand your current position and explore ways to manage potential inheritance tax over time.

Yes. There are a number of allowances and exemptions available, and we can guide you on how these may apply in your situation.

In general terms, certain gifts may fall outside your estate for inheritance tax purposes if you survive for seven years after making them.

We can explain how this works in more detail and how it may apply to your circumstances.

Where appropriate, we can advise on the use of trusts as part of your estate planning. Bespoke trust arrangements will often need a solicitor to be involved, and we are happy to work alongside yours to ensure everything is properly aligned.

We can work alongside your solicitor to ensure your wishes are properly reflected and your arrangements are aligned.

While we are unable to assist with drafting or setting up a power of attorney, we can explain how these arrangements work and why they are an important part of later life planning.

Where a power of attorney is already in place, we are experienced in working alongside attorneys to ensure your financial arrangements are properly managed and aligned with your wider plans.

Yes. Where appropriate, we can advise on life insurance to help protect your family financially.

Yes. Income protection and critical illness cover can provide financial support if you are unable to work due to illness or injury. We will consider your personal circumstances, your budget and the policies available.

Yes. Our specialist advisers can help you understand the options available and, where appropriate, make recommendations. Where necessary, we can liaise with solicitors who may be involved with wills and powers of attorney.

An immediate needs care plan is a type of policy that provides a guaranteed income to help cover the cost of care.

We can help you understand how these work and whether they may be appropriate in your circumstances.

No, this is not an area we currently offer advice on.

We provide a clear and transparent fee structure.

Initial advice is typically charged as a fixed fee based on the work involved, and any ongoing service is agreed separately depending on the level of support required.

Yes. We will always explain and agree any costs before you proceed.

No fees are payable until you have agreed to our recommendations.

In some cases, such as protection advice, commission may be paid by providers.

This will always be clearly disclosed and explained before any arrangements are put in place.

Arranging financial products is generally a VAT-exempt service. If VAT applies to any service we provide, this will be set out in advance.

Our fees are agreed and set out clearly before any work begins. As fees depend on the scope of advice and the level of ongoing service required, we would encourage you to get in touch for a conversation. We will always explain costs clearly before you decide whether to proceed.

Our fees reflect the work involved and, where appropriate, the ongoing service you are given. We will set our fees in advance, in our Terms of Business and any recommendations that are made to you, so you can compare with other advisers.

Meetings can take place at our offices in Bristol or South Wales, at your home, or via video call.

Our Bristol office in Clifton offers off-street parking for clients. We will provide full details ahead of your visit.

If you choose an ongoing service, we will typically meet at least once a year to review your position.

We also provide updates throughout the year and are always available to speak or meet when you would like to discuss anything further.

Yes. While we are based in Bristol and South Wales, we work with clients across the UK.

Yes. We are independent financial advisers, which means our recommendations are based on a comprehensive and unbiased analysis of the market.

Yes. We are authorised and regulated by the Financial Conduct Authority (FCA), and we are required to meet strict standards in how we advise and support our clients. Our FCA number is 670373 and you can look us up on the FCA Register.

As a firm authorised and regulated by the Financial Conduct Authority, we are required to meet strict standards in how we advise and treat our clients.

If you have a complaint that we are unable to resolve, you have the right to refer it to the Financial Ombudsman Service. In addition, eligible clients are protected by the Financial Services Compensation Scheme, which provides cover if a regulated firm is unable to meet its financial obligations.

Our FCA number is 670373, and you can verify our registration on the FCA Register at fca.org.uk.

Churchill Wealth Management does not hold client money directly. Your investments are held with regulated, well-established investment platforms and custodians, meaning your assets are kept separate from our own.

As a regulated firm, we are also required to maintain professional indemnity insurance and meet ongoing financial standards set by the FCA.

We take confidentiality and data protection very seriously.

All information you share with us is treated in strict confidence and handled in line with data protection regulations. We have appropriate systems and controls in place to ensure your personal and financial information is stored securely. **Privacy Policy

We take all feedback seriously and want to hear from you if there is anything we could do better.

If you would like to raise a complaint, please contact us and we will investigate fully and aim to resolve the matter as promptly as possible. You can find our full complaints policy here: **

Yes, as a regulated firm, we always have professional indemnity insurance in place.

You may notice that some surnames are shared across our team. While Churchill is not a family firm in the traditional sense, family is very much at our heart.

Matt and Kate, both advisers and part of our ownership and management team, are siblings. Rebeca, one of our senior advisers, is Matt's wife. And Paul, our Office Manager who has been with Churchill since the beginning, works alongside his son James.

This shapes a culture built on trust, long-term relationships and genuine care, for one another and for our clients.

Our advisers are highly qualified, holding Chartered, Certified or Regulated status alongside advanced professional qualifications.

This reflects our commitment to providing a high standard of advice.

Churchill Wealth Management has been providing independent financial advice for over 15 years, supporting individuals and families in building, managing and protecting their wealth. Many of our team members have worked in the industry for far longer than this!

The first step is simply to get in touch.

We can arrange an initial conversation to understand your situation and outline how we may be able to help.