Cheltenham is home to some of the Cotswolds' most qualified financial advisors. As a prosperous Regency spa town with a population of ~116,000, Cheltenham attracts top-tier independent financial advisors (IFAs) specializing in retirement planning, investment management, and wealth preservation.
This ranking is based on FCA registration status, professional qualifications (Chartered, CFP®), service offerings, fee transparency, and experience serving Cheltenham and Gloucestershire clients. All advisors listed are independent, meaning they can recommend products from the whole market—not just tied providers.
- FCA registration (verified at register.fca.org.uk)
- Professional qualifications (Chartered, CFP®, DipPFS, CFA)
- Range of services (retirement, investments, pensions, protection)
- Fee transparency and value for money
- Years of experience serving Cheltenham and Cotswolds clients
- Client testimonials and reviews
Cheltenham IFA
Imperial Square, Cheltenham, GL50 1QB
Exceptional qualifications and comprehensive service offering. Strong reputation among Cheltenham professionals for retirement planning excellence.
Piercefield Oliver
52 Montpellier Parade, Cheltenham, GL50 1SR
Proven track record in wealth management with transparent fee structure. Highly recommended by Cheltenham businesses and high-net-worth individuals.
RockWealth
Ellenborough House, Wellington Street, Cheltenham, GL50 1XZ
Outstanding pension consolidation expertise with competitive fees. Chartered status and strong focus on tax-efficient retirement strategies.
Amber River HDA
New Barn, Manor Farm Courtyard, Southam Lane, Southam, Cheltenham, GL52 3PB
Excellent Investment Advice services with FCA-regulated advice. Strong client testimonials from Cheltenham and Gloucestershire.
William Highbourne Wealth Management
6 Bath Mews, Bath Parade, Cheltenham, GL53 7HL
Excellent Wealth Management services with FCA-regulated advice. Strong client testimonials from Cheltenham and Gloucestershire.
How to Choose the Right Cheltenham Financial Advisor
All 10 advisors listed above are FCA-registered and highly qualified, but the "best" depends on your specific financial needs:
- Retirement planning: Look for Chartered Financial Planners with pension transfer expertise
- Investment management: CFA (Chartered Financial Analyst) or CFP® credentials indicate advanced investment knowledge
- Fee transparency: Top advisors provide clear written fee schedules upfront (avoid commission-based advice)
- Portfolio size: Check minimum investment requirements (typically £100k-£250k for ongoing management)
- Service model: Decide if you want ongoing advice (AUM fees) or one-off planning (fixed fees)
- Local presence: Cheltenham-based advisors understand local property values, cost of living, and regional financial planning considerations
We recommend scheduling initial consultations with 2-3 advisors on this list to compare approach, fees, and personality fit. Most offer free 30-60 minute discovery meetings.
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Disclaimer: This is a directory service. We do not provide financial advice. Rankings are based on publicly available information and are not endorsements. Always verify FCA registration at register.fca.org.uk before engaging an advisor. Investment and pension values can go down as well as up.