Independent financial advisor in the North West
From where you are now to where you want to be
Most people who come to us are in a similar position. They’ve worked hard, built something up. A pension or two, some savings, maybe a property. But no clear picture of what it all adds up to or whether it’ll be enough.
They’re not sure if their investments are working. They’re not sure if they’re paying more tax than they need to. When it comes to retirement, they’re working off a guess.
Where most people start:
- A pension from a previous employer they haven’t looked at in years
- Savings sitting in a low-interest account
- No clear idea of when they could actually retire
- A vague sense they should be doing more
- Nobody joining the dots between everything they have
Where our clients get to:
- A long-term cash flow plan that shows their financial future clearly
- Investments matched to their goals, timeline, and attitude to risk
- Tax allowances used every year, not left on the table
- A retirement date that’s a real target, not a guess
- Confidence they’re on track, and a plan to get back on track if things change
The difference isn’t complicated. It’s having a plan, reviewing it regularly, and having someone in your corner who understands the full picture.
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Free
Initial consultation
How we work with you
Discovery
We meet to understand your situation, your current financial position, your goals, and your attitude to risk. We explain our services and how we charge. This stage is always at our expense.
Strategy
Once we have everything we need, we build your bespoke financial strategy report. This includes a lifetime cash flow model of your estate, a clear picture of your financial future, year by year.
Recommendations
We arrange a meeting to present our recommendations in detail. We treat every client as we would our own family, explaining everything in plain English.
Track
Once recommendations are in place, we set you up on your Personal Financial Folder (PFF) and/or Personal Financial Portal (PFP) so you can see your financial picture at any time.
Review
We meet regularly to review your plan, check you’re on track, and make adjustments as your life or circumstances change.
What you should know about working with us
Most people don't have clear answers to those questions. Nobody ever sits them down and explains what their financial future looks like. That's what we do.
here’s a lot of confusion about what financial advisors do. A lot of people assume it’s either just for the wealthy, or just about selling products. It’s neither.
A good independent financial advisor starts by understanding you. Your income, outgoings, assets, debts, family, goals, attitude to risk. Then they build a plan around all of that.
At Chameleon, that plan is built on cash flow planning. It maps out your current position and projects your income and assets year by year. It shows what your financial future looks like if nothing changes, and what becomes possible if you do.
It’s not a one-off exercise. We update it every time we meet, because your life changes and your plan should too.
Not all financial advisors are the same. Some are tied to a specific provider or a limited panel of products. Their recommendations are restricted to whatever that provider offers, whether or not it’s the best fit for you.
We’re independent and whole of market. We consider the full range of financial strategies and products available. We’re not incentivised to push one product over another. Our only interest is in doing what’s best for our clients.
Each of our advisors works with a set number of clients. The person you meet on day one is the same person you’ll be working with in five, ten, twenty years. They’ll know your circumstances. They’ll know your family. They’ll remember what you talked about at your last review.
When something changes in your life or in legislation, they already understand the context and what it means for you. That kind of continuity is rare in financial services. It makes a real difference to the quality of advice and to how confident you feel.
We work with clients at every stage of their financial journey, not just those who already have significant wealth.
People approaching retirement: Typically in their late 40s or 50s, starting to think seriously about whether they’re on track. Often with old pension pots, no consolidated plan, and no clear retirement date. This is the most common situation we see.
People earlier in their career: The earlier you build a plan, the more options you have. If you’re in your 30s or 40s and want to get organised before the panic sets in, we can help.
Business owners: Financial planning for business owners is different. There’s the business itself, the personal finances, the tax efficiency of how you draw income, and the question of what happens when you eventually exit. We deal with all of it.
People with inheritance tax concerns: If your estate has grown to the point where IHT is a real consideration, early planning makes a significant difference to how much passes to your family.
People who’ve had a change in circumstances: An inheritance, a divorce, a redundancy, a business sale. These are often the moments that prompt people to get proper advice, and exactly the situations where getting it right matters most.
Every client’s situation is different. We meet you where you are.
- Independent and whole of market, not tied to any provider
- Cash flow planning at the centre, not just product recommendations
- One advisor, long-term relationship, you’re not passed around
- Plain English, always
- Offices in Thornton-Cleveleys and Kendal, happy to meet locally or at your home
- First meeting always at our expense
Getting started costs you nothing.
The Discovery meeting, where we take time to understand your situation and explain clearly how we can help, is always at our expense.
Contact us
Get in touch
Whether you have a specific goal in mind or just want to understand your options, we're happy to have a conversation. Get in touch and we'll arrange a free, no-obligation Discovery meeting at a time that suits you.
Reach out to us:
Address
Unit 5a Marsh Ml Vlg,Fleetwood Rd N,
Thornton-Cleveleys, FY5 4JZPhone
01253 532390