Welcome to Kellands Cotswolds Financial Advisers

This is passionate, personalised and friendly financial planning.

Independent financial advisers and wealth management consultants are not an homogenous lot, but come in many styles. Based in Cirencester (with clients in Cheltenham, The Cotswolds and London), Kellands Cotswolds is the pragmatic, experienced, totally independent variety.

For more than 25 years we have been providing intelligent, well-respected financial planning and advice to people and businesses for investments and savings, retirement and pension planning, financial protection and estate planning and inheritance.


Why financial planning matters

Financial planning helps you determine your short and long-term financial goals and create a balanced plan to meet those goals, any of the following could affect your financial plan.

The Office for National Statistics forecast that around

Third of babies born in 2013

of babies born in 2013 will live to 100

Source: Office for National Statistics

A substantial proportion of those at retirement will live for

Living longer


Source: Government Actuary’s Department

In 2013, of 5,079 adults surveyed,

Adults lack money managment confidence

said they “lack confidence” when it comes to managing their money.

Source: Money Advice Service

Over 3 in 4 aged 18 to 65

Who are not actively saving into a pension were unaware that for

Not saving
Every 4 they invest
The government contributes another 1

Source: Actuarial Post

Just 35% of people said they understood income drawdown


which allows you to take sums out of your pension pot while the rest remains invested

Source: International Longevity Centre UK (ILC-UK)

The effect of inflation on a fixed income

Over 90s increased

Inflation of 2% every year for the next 25 years, a fixed income would fall by almost 40%

Source: Royal London

The numbers of people in England and Wales aged 60+ who are divorced more than trebled from 404,000 in 1991 to 1.3m by 2011.

Divorce trebled

Source: Office for National Statistics

In a survey of 2,000 people, just 16% felt that they adequately understood the impact of inflation on their pension.

Inflation pension

Source: Citywire Money

Over 65s doubling in number from 8m in 2001 to 16m by 2061.


Source: Age UK

Featured Knowledge Posts

Reducing the impact of Inheritance Tax: 5 simple tips

An effective estate planning strategy is often a journey requiring commitment and professional counsel, set against a backdrop of a shifting regulatory landscape. Before, or during initial conversations with professional advisers, there are a number of things you can think about. Here are a few tips which could help reduce the tax man’s cut.

Read more

Daniel Boden

Chartered Financial Planner

Lifetime ISA

From 6th April 2017 the government have introduced a new savings plan: the Lifetime ISA, which will sit alongside existing ISA offerings. From 6th April 2017 the overall ISA allowance will also be increased to £20,000 per person, of which a maximum of £4,000 can be saved into a Lifetime ISA.

Read more

Daniel Boden

Chartered Financial Planner

How will the reduction in pension lifetime allowance affect me?

In April 2016, the pension lifetime allowance (LTA) was reduced to £1 million, sparking concern amongst diligent savers. While £1m sounds like a generous sum, it is surprisingly easy to breach this limit, meaning you could be subjected to a tax bill of up to 55% on some of your pension pot.

Read more

Daniel Boden

Chartered Financial Planner