Business Details
26 Years
experience
Independent Financial Advisers in Cheltenham
Montpellier Asset Management has been delivering tailored financial solutions since 2000, operating from Cheltenham with a nationwide client base. Our team of experienced advisers specialises in creating transparent, cost-effective investment strategies aligned with individual client goals. We prioritise long-term relationships, offering unbiased advice across investment planning, tax efficiency, retirement strategies, estate management, and mortgage solutions. As a fee-based firm regulated by the Financial Conduct Authority (FCA), we eliminate commission bias to ensure recommendations focus solely on client needs.Our approach combines deep market knowledge with a commitment to regulatory compliance, providing clients with confidence in their financial future. With expertise in complex financial structures including trusts and corporate tax planning, we serve private individuals and business owners seeking sophisticated wealth management. Our track record of referrals from satisfied clients underscores our dedication to exceptional service and measurable outcomes.
Services
Investment Planning
Tax Planning
Retirement Planning
Estate Planning
Mortgage Planning
Details
- Year established: 2000
Highlights and features
- We operate as a fee-based firm with no commission bias in recommendations
- Our advisers hold Chartered status and decades of combined industry experience
- We specialise in complex financial planning including trusts and corporate tax strategies
- Regulated by the Financial Conduct Authority for compliance and client protection
- Proven track record of client referrals demonstrating service excellence
Associations and certifications
- Financial Conduct Authority
- Financial Ombudsman Scheme
What people say
In-depth knowledge
Comfortable referrals
Professional management
Services
Investment Planning
Our fee-based investment planning service creates tailored portfolios using low-cost index tracking funds to ensure long-term growth. We focus on eliminating commission bias while delivering tax-efficient strategies aligned with individual risk profiles and financial goals. With expertise in EIS/VCT schemes and corporate profit extraction, we help clients build diversified investment portfolios that withstand market volatility while maintaining cost-effectiveness.
Tax Planning
Specialising in complex tax structures, we help clients optimise asset arrangements through legitimate tax relief schemes and trust formations. Our services cover corporate tax strategies for business owners, inheritance tax mitigation, and EIS/VCT investment opportunities. We collaborate with tax specialists to ensure compliance while maximising tax efficiency across personal and corporate financial portfolios.
Retirement Planning
We develop comprehensive retirement strategies by assessing existing pension provisions and creating tailored income plans. Our approach considers tax implications, investment performance, and lifestyle requirements to ensure financial security during retirement. We specialise in managing significant pension funds and advising on tax-efficient withdrawal strategies for high-net-worth individuals.
Estate Planning
Our estate planning service focuses on protecting assets and facilitating smooth wealth transfer across generations. We implement trust structures to safeguard inheritances from tax liabilities and beneficiary mismanagement. With expertise in inheritance tax mitigation and trust management, we create bespoke solutions that balance tax efficiency with long-term family financial security.
Mortgage Planning
We provide independent mortgage advice covering residential, investment, and buy-to-let properties. Our whole-of-market approach ensures access to competitive rates while specialising in equity release solutions for retirement funding. We help clients navigate complex mortgage structures and property investment strategies aligned with their broader financial objectives.
People
Simon Whitney
Managing Director
With over 30 years in financial services, Simon established Montpellier in 1991 after working with leading City firms. He specialises in tax-efficient investment structuring and brings extensive experience in managing high-net-worth portfolios.
Tim Brienza
Wealth Manager
A Chartered Fellow of the CII with 10 years' wealth management experience, Tim joined Montpellier in 2024. He combines legal background with financial expertise to deliver tailored solutions, focusing on detailed client relationship management.
Mike Riddell
Wealth Manager
With 20 years in financial planning, Mike specialises in pension strategies and tax-efficient investments. His background in retail management enhances his client communication skills, ensuring clear explanation of complex financial concepts.
Richard Turnbull
Wealth Manager
Bringing mortgage market expertise since 1996, Richard focuses on goal-based investing and property finance solutions. His experience in financial technology enables innovative approaches to client portfolio management.
Chris Riddell
Wealth Manager
A qualified accountant with 12 years in financial planning, Chris combines tax expertise with investment strategy. His background in accounting provides unique insights into creating tax-efficient wealth management solutions.
Questions
What makes Montpellier different from other financial advisers?
We operate as a fee-based firm with no commission bias, regulated by the FCA. Our advisers hold Chartered status and specialise in complex financial planning for both individuals and business owners.
Do you offer face-to-face meetings?
Yes, we have offices in Cheltenham and Cambridge, with availability for home or workplace visits across the UK. We also offer virtual consultations for client convenience.
How do you approach investment management?
We use low-cost index tracking funds as core portfolio components while incorporating tax-efficient investments like EIS/VCT schemes. Our approach balances risk management with long-term growth potential.
Are you regulated by the Financial Conduct Authority?
Yes, we are authorised and regulated by the FCA (No. 521333) and members of the Financial Ombudsman Scheme, ensuring compliance with strict regulatory standards.
What areas do you cover?
Based in Cheltenham, we serve clients throughout the UK with dedicated teams in Cambridge and London. Our services are available nationwide through virtual consultations and office visits.
How do you handle estate planning?
We specialise in creating trust structures to protect assets from inheritance tax and beneficiary risks. Our approach combines tax efficiency with long-term wealth transfer strategies tailored to individual family circumstances.
