You might be wondering what makes Chilvester Financial different from other financial planning firms. It’s a fair question and one we’ve thought a lot about.
You’ve probably heard the usual answers before:
“We care about our clients.”
“We offer tailored advice.”
“We’re independent.”
All true, but let’s be honest, none of that really tells you much. So rather than defaulting to clichés, we thought we’d explain what actually makes a difference to the people we work with.
Here’s what that looks like.
Why Do Clients Stay With Us?
When we look at the clients who’ve been with us the longest, there’s a consistent theme: peace of mind.
They trust us to handle the things they either don’t fully understand or simply don’t have time to deal with. And they know we’ll get it right — not just technically, but personally. That it will be right for them.
Clients tell us we listen. That we work alongside them, not against them. That we don’t push them in directions they’re not comfortable with — but we will challenge them when it matters. We’ll be the critical friend who tells you what you need to hear, not just what you want to.
And quite often, they’ll say we make things sound simple. That’s no accident — because we work through a great deal of complexity behind the scenes to make your experience feel straightforward and manageable.
What’s Broken When They Arrive?
Most people come to us with big questions and no clear answers:
- Can I afford to retire?
- Am I on track?
- Is there a track at all?
- Will I be okay?
There’s often a sense of uncertainty — and sometimes even embarrassment. You might feel like you should have sorted it all by now, or that everyone else seems more prepared. But the truth is, most people feel exactly the same. They just don’t talk about it.
If you’ve had advice before, it may have felt transactional. Someone set up a pension or an ISA — but no one helped you connect the dots or see the bigger picture.
What Do We Believe That Others Might Not?
We believe the plumbing matters, but it’s not the point.
Pensions, investments, tax wrappers… yes, they’re important. But they’re just tools. What really matters is what those tools allow you to do. Clients come to us because they want clarity, confidence, and direction — not just financial products.
We believe simplicity is underrated. We don’t overcomplicate things to sound clever or justify our fees. And we’ll never promise returns we can’t control.
Our investment approach is robust, but it’s never the headline. Because it’s not the market that keeps most people up at night — it’s uncertainty.
What’s Our Method?
It’s not revolutionary — and we’re fine with that.
We take time to really understand you. We use cashflow planning tools to turn abstract numbers into something visual and meaningful. That helps you see what your future might look like — and test out different “what if?” scenarios to help you make informed decisions.
That’s where the big, life-shaping decisions tend to happen. Not just about money, but about how you want to live.
While we can work on a one-off basis, we prefer to build long-term relationships. And once someone becomes a client, they tend to stay — often for years.
Because once you have that peace of mind, it’s hard to go back to guesswork.
So, What Makes Us Different?
It’s not just our process. It’s our mindset. Our commitment to clarity. Our ability to turn complexity into simplicity. Our willingness to challenge when needed. And our focus on building relationships that last.
We don’t claim to be unique. But we are different — in the ways that matter most.
And if that sounds like the kind of relationship you’re looking for, we’d love to have a conversation.
