FAQs

At one of our office locations in Ramsbottom, Leeds, or Chester.

No, this is held at our expense.

It can be useful to bring any relevant paperwork you have relating to existing policies or plans, but not essential.

After the first meeting (which is held at our expense), we will provide a detailed scope of work including a fixed fee that is agreed prior to any work started.

If you are interested in taking the first step, get in touch with us via phone or email. We will then send you a list of the information we need before the first meeting can take place. Once we have received this, we will arrange a suitable meeting time.

Our capable team is able to support you should your Financial Planner be away.

Yes. As an independent firm, we operate on a non-restricted basis, meaning we are able to source providers from the whole of the market. As a result, our recommendations are always in your best interests and in line with what suits your circumstances.

We are directly regulated and authorised by the Financial Conduct Authority (FCA).

Chartered financial advisers can advise you on how to best structure your business to help protect your interests and mitigate risk. Through special support and a tailored strategy, Rosebridge will help you achieve financial security that encourages business growth.

Chartered status is awarded by the Chartered Insurance Institute (CII) to individuals and firms that have made a public and transparent declaration of a commitment to professional standards and client-centric service. Choosing a Chartered firm like Rosebridge ensures high-quality advice and service.

Rosebridge can help you navigate the complexities of diversification, investments, succession, tax, retirement and estate planning.  Helping you protect and preserve your wealth for generations to come.

Yes, whether it is providing financial advice for your family members, planning for the cost of long-term care, or support with leaving a legacy, Rosebridge will act as your financial partners throughout. By working alongside your other professional advisers, we help you build a financial future that works for both you and your business.

At Rosebridge, our advisers help you make the most of tax-efficient planning opportunities. We work with you to structure your finances in a way that reduces potential Tax and Inheritance Tax (IHT) liabilities, ensuring your investments are optimised and aligned with current legislation. Where appropriate, we’ll also work alongside your accountant or solicitor to ensure a joined-up approach.

Plan early! Whether you are preparing for your year-end, retirement, or succession planning, being proactive with your finances, gives you clarity and flexibility. And helps us identify any opportunities for Tax reliefs in advance.

The inclusion of pension death benefits in IHT from April 2027 could significantly impact your financial plans, particularly if you have accumulated pension savings with the intention of passing your wealth to family members without incurring IHT. Click to find out more: Pensions and Inheritance Tax: Key Considerations for Financial Planning

With the proposed changes to Inheritance Tax (IHT) rules, including the pension death benefits in IHT charges, gifting to the next generation has become increasingly important. This approach helps reduce tax liabilities while providing timely support to loved ones. Rosebridge can help guide you through your estate planning, supporting every generation along the way.

Protect your interests. Holistic wealth management and planning for retirement are essential steps in securing your financial future. Rosebridge can help structure your business to reduce risk, safeguard assets, and support long-term growth. We specialise in working with owner-managed businesses, helping entrepreneurs plan with confidence.

Holistic wealth management helps you achieve financial stability, security and peace of mind. We advise on personal wealth, family finances, and legacy planning beyond your business.

Yes, Director’s loans allow you to lend to and borrow from your company. This can be hugely powerful for business owners to achieve your goals, either individually or in your company. In the current higher interest rate climate, it could be particularly powerful for avoiding paying large amounts of interest on money you borrow. However, it is crucial to understand the rules and manage any director’s loans you make carefully and sensibly. Otherwise, you may find that you have larger tax bills to pay than you expect.

You can insure your company. By insuring your company, you are protecting your financial situation, business continuity and safeguarding your company’s stability. This is a critical investment for financial peace of mind in the face of uncertainties such as market, economic or government changes.  If you are a business owner looking for expert financial guidance, let’s talk.

Employee’s benefit, less risk (buyers backing out/deal failing), possible Tax and succession planning benefits but there are certain rules you will need to comply with to set up an EOT. Click to read “6 powerful pros and cons of setting up an Employee Ownership Trust in your business” it includes some of the rules, and criteria that the trust itself must meet. You will need to seek professional advice before you set up an EOT. If you would like to find out how to make the most of your money as a business owner, we can help, get in touch.

Unfortunately, we do not advise in this area.