Business Details
50+ Years
experience
Your Trusted Financial Advisers in Manchester
Moffatt Financial Planning Financial Planning has been delivering expert financial advice since 1967, serving private individuals, small businesses, and medium-sized companies. Our team of Chartered Financial Planners combines over two decades of collective experience with a commitment to maintaining the highest technical standards. We specialise in holistic financial planning, offering tailored solutions across pensions, mortgages, tax planning, and protection. As an independent firm, we prioritise unbiased advice, ensuring recommendations align with clients' unique circumstances. Our ethos centres on protecting and growing client wealth through trust, integrity, and value-driven service.We provide ongoing support, adapting strategies to evolving personal and financial landscapes. Our team's expertise spans complex financial analysis, client education, and coordinated advisory services with accountants and solicitors. With offices in Manchester and professionals based in the Peak District and Stoke-on-Trent, we serve clients nationwide. Our Chartered status reflects our dedication to professional excellence and continuous development. We believe in empowering clients through clear communication and bespoke financial strategies that withstand changing markets and legislation.
Services
Financial Planning
Mortgages
Pensions
Protection
Tax Planning
Investments
Insurance
Details
- Year established: 1967
Highlights and features
- We hold Chartered Financial Planner status, demonstrating advanced professional standards
- Our holistic approach considers all aspects of your financial circumstances
- We provide independent advice unbiased towards any financial products or providers
- Our team has over 20 years' experience in financial services
- We offer ongoing support with regular strategy reviews and adjustments
Associations and certifications
- Chartered Insurance Institute (CII)
Services
Financial Planning
Our holistic financial planning service creates tailored strategies that integrate all aspects of your financial life. We analyse assets, liabilities, and cash flow to develop comprehensive plans addressing retirement, tax efficiency, and wealth preservation. With ongoing reviews and adjustments, we ensure your strategy adapts to changing circumstances, legislation, and market conditions while maintaining clear communication throughout the process.
Mortgages
We offer whole-of-market mortgage advice to find suitable residential and buy-to-let solutions. Our specialists assess your financial situation to identify competitive rates and appropriate lending criteria. We provide tailored protection strategies alongside mortgage arrangements, ensuring financial security for you and your family while navigating the complex mortgage application process with expert guidance.
Pensions
Our independent pension advice covers all retirement planning aspects, from workplace pensions to self-invested personal pensions (SIPPs). We help clients understand their options, optimise contributions, and implement tax-efficient withdrawal strategies. With expertise in both corporate and personal pension arrangements, we ensure your retirement plans align with your overall financial objectives and lifestyle goals.
Tax Planning
We develop strategic tax planning solutions to maximise your financial allowances and minimise liabilities. Our approach considers income tax, capital gains tax, and inheritance tax implications across all investments and assets. By utilising legitimate tax-efficient structures and staying current with legislative changes, we help preserve your wealth while ensuring compliance with HMRC regulations.
Protection
Our bespoke protection solutions provide financial security through life assurance, critical illness cover, and income protection policies. We assess your specific needs to create tailored packages that safeguard your family's financial future. Our independent advice ensures appropriate coverage levels at competitive rates, with regular reviews to maintain alignment with evolving personal circumstances.
People
Adam Rowbottom
Chartered Financial Planner and Director
With over 20 years' experience, Adam has been instrumental in the company's development since 1998. He holds a BSc in Financial Services and a black belt in Ju Jitsu, balancing professional expertise with personal discipline.
Fiona Duggan
Chartered Financial Planner
Fiona transitioned from administration to become a Chartered Financial Planner in 2017. She specialises in providing clear, holistic financial advice while maintaining her passion for tennis and family activities.
John Smith
Chartered Financial Planner and Director
John excels at simplifying complex financial concepts. With a 2.1 degree in Financial Services, he focuses on building long-term client relationships and delivering practical financial solutions.
Jennifer East
Mortgage Adviser
Jennifer brings 20 years' banking experience to her mortgage advisory role. She specialises in residential and buy-to-let mortgages while providing complementary protection solutions for clients' financial security.
Questions
What financial planning services do you offer?
We provide comprehensive financial planning across pensions, mortgages, tax planning, protection, investments, and insurance, tailored to individual client needs.
Are you independent financial advisers?
Yes, as an independent firm, we offer unbiased advice without product provider affiliations, ensuring recommendations prioritise client interests.
How do you charge for your services?
Our fees are transparent and discussed during the initial consultation. We provide clear information about costs before commencing any advisory work.
What qualifications do your advisers hold?
All our financial planners hold Chartered Financial Planner status, demonstrating advanced professional standards and ongoing commitment to technical excellence.
How often do you review financial plans?
We recommend regular reviews to adapt strategies to changing circumstances, typically annually or when significant life events occur.
Do you work with clients outside Manchester?
Yes, while based in Manchester, we serve clients nationwide through virtual consultations and local meetings when required.
