Chartered Financial Planners
Financial Adviser Spalding
Searching for a financial adviser Spalding has to offer usually comes down to one simple question: who can you trust?
Authorised & regulated by the Financial Conduct Authority
FRN 472792
Spalding's a town of established farming families as much as it is first-time savers and everyday households, and we work with the full mix.
Liberty Partnership is a firm of Chartered Financial Planners covering the whole of Lincolnshire, working from nearby offices in Bourne and Market Deeping, both around 20 minutes' drive from Spalding. We bring the same level of expertise you would expect from a city firm, with a genuinely local understanding of the area.
Our Financial Planning Services
Liberty Partnership offers Chartered financial planning across Lincolnshire, supporting Spalding's farming and business community alongside individuals and families more broadly.
Investment Planning
We build diversified, cost-conscious investment portfolios matched to your goals, timeframe and appetite for risk, and review them regularly as markets and your circumstances change.
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Retirement and Pension Advice
Many clients reach retirement age with pensions scattered across employers, or with wealth tied up in land, property or a business. We help you understand what you hold and structure an income that works for you.
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Inheritance Tax and Succession Planning
Whether wealth is held in a family business, farmland or a more conventional estate, we use the allowances, reliefs and gifting strategies available to pass on as much as possible to the next generation.
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Cash Flow Modelling
A clear picture of what your financial future could look like, and whether you're on track. Explore real questions: when you could retire, whether you could help family with a deposit, or how today's decisions affect the years ahead.
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Business & Personal Protection
Life cover, critical illness cover and income protection for the people who depend on you, plus key person cover, shareholder and partnership protection for Spalding's agricultural and food-related businesses.
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Essential Corporate Planning
A joined-up approach to the company itself, working alongside your accountant and solicitor: pension planning, business protection, cross option agreements, shareholders agreements and key person insurance.
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Local Expertise, Chartered Standards
Financial Planning for Spalding's Farming and Business Community
Spalding has long been known as the horticultural centre of Lincolnshire, with agriculture, food production and bulb growing running through the local economy. Many of the families and business owners we work with here have built their wealth through farming or food-related businesses passed down across generations.
That brings a specific set of questions: how to pass a farm or business to the next generation without an unmanageable tax bill, how to plan for retirement when much of your wealth sits in land rather than a pension, and how to protect a family business if something happens to a key person.
Succession Planning
Supporting Spalding's Farming Families with Succession Planning
Agricultural and business property reliefs changed significantly from April 2026, with a combined cap now applying to how much of a farm or business can pass free of inheritance tax. For farming families in and around Spalding, this makes early, specialist planning considerably more important than it used to be.
We work with families to understand how the current rules apply to their situation and to plan ahead in good time, rather than leaving succession to be worked out after the event.
Why Chartered Matters
What to Look for in a Financial Adviser Spalding Families Can Rely On
“Financial adviser” isn't a protected title on its own, which is exactly why Chartered status is worth understanding before you choose. It's the highest professional benchmark in UK financial planning, set and policed by the Chartered Insurance Institute.
Reaching it takes years of structured study on top of the standard qualifications, plus an ongoing commitment to learning and a formal code of ethics. Whoever you decide to work with, ask directly about their qualifications and check the firm against the Financial Conduct Authority's register.
Our Approach
What Does a Chartered Financial Planner Do?
Strip away the jargon, and the job is this: understanding what you're trying to achieve with your money, then building a plan that gets you there while accounting for tax, timing and risk. For farming families, that often means untangling wealth spread across land, buildings and a working business.
Tax Planning
From ISA and pension allowances to structuring how a business owner draws income, tax planning threads through most financial decisions. We work alongside your accountant where helpful, so personal and business tax planning move together.
Who We Work With
Who We Work With in Spalding
Farming Families and Agricultural Business Owners
Succession planning, inheritance tax and protecting a farm or agricultural business against the loss of a key person are recurring priorities for the families we work with in this part of Lincolnshire.
Individuals and Families
For those approaching retirement or dealing with a change in circumstances such as inheritance or bereavement, we focus on building long-term financial security and reviewing plans regularly as things change.
Business Owners and Directors
Beyond agriculture, Spalding has a wider base of independent businesses. We help directors extract profit tax-efficiently, fund pensions through the business, and plan ahead for a future sale or succession.
Financial Planners
Qualified advisors covering every stage of your financial life — from your first investment through to passing on your estate.
Richard Ash
Founding Partner & Chartered Financial Planner
David Gregg
Founding Partner & Chartered Financial Planner
Mark Russon
Independent Financial Planner
Brian Spellar
Independent Financial Planner
Joseph Ash
Independent Financial Planner
Matthew Biggs
Chartered Financial Planner
WHAT PEOPLE SAY
Book an Initial Consultation
How to Get Started
Book an Initial Consultation
Your first conversation comes with no obligation. We'll ask about your situation and goals, and explain clearly how we might be able to help.
Meet In Person or Remotely
Clients travel to our Bourne or Market Deeping offices from across Spalding and the wider South Holland area, or we can arrange a call or video meeting if that's easier.
Do you have an office in Spalding?
Not directly. Our offices are in Bourne and Market Deeping, both around 20 minutes away by car. Most Spalding clients are happy to travel for an in-person meeting, and we're equally set up for phone or video where that's easier.
Financial Adviser Spalding Costs
There's no charge for an initial conversation. Beyond that, what you pay depends on the complexity of the work, and you'll always see the figure in writing before agreeing to anything.
What's the difference between a financial adviser and a Chartered Financial Planner?
Every Chartered Financial Planner is a financial adviser, but the reverse doesn't hold. The Chartered title tells you an adviser has gone further than the minimum: more study, more ongoing development, and a formal ethical standard set externally.
How often will my plan be reviewed?
Annually as a baseline, though we'll bring a review forward if something significant changes, such as a change in the business, an inheritance, or new tax rules that affect your plan.
Is my money protected?
Yes, provided you're working with an FCA-authorised firm. Your money sits with regulated third-party providers rather than with us directly, and the FCA register is the quickest way to confirm any firm's status.
This content is for general information only and does not constitute financial advice. Tax treatment depends on individual circumstances and may change in the future. The value of investments can go down as well as up, and you may get back less than you invested.
Chartered financial planners near Spalding
Speak to a Financial Adviser Spalding Businesses and Families Trust
Whether you're a farming family thinking about succession, a business owner planning ahead, or simply want a clearer picture of your pension, we're a short drive away and happy to talk it through.
Book an initial consultation