Financial Planning Bristol

Here at The Lost Coin Financial Planning Ltd, we provide financial planning in Bristol and across the surrounding areas. Our bespoke financial planning service is designed to be tailored around your specific situation. Whether you’re looking for help to plan for the future, you need help organising your estate or something else, we have you covered. It’s our aim to achieve the best for you and your finances and with a dedicated financial plan, you could set yourself up for the rest of your life. When you choose us, we’ll work closely with you from start to finish to ensure all of your affairs are taken care of and that your finances remain on track.

We have worked in the financial planning industry for many years and have a vast array of knowledge and expertise, which has helped us to become one of the best financial planners in Bristol. As a local Bristol financial planning company, we are committed to providing a responsible and ethical service and we are fully regulated by the Financial Conduct Authority. For more information on our financial planning services or if you’d like to arrange a meeting with one of our team, then please don’t hesitate to get in touch with us.

What is Financial Planning?

Financial planning is really quite simple – “spend less than you earn”.  However, life is complicated as we like to change jobs, homes, start a family, care for the young and the old.  This is where savings (in the form of cash, investments and pensions), mortgages and protection plans become useful. The key to financial planning is to save as much as you can, as early as you can.  That way you don’t miss the money saved and you get the benefits of your money working for you with any income reinvested. However, you do need to remember that inflation is the enemy of time and so £100 in 10 years’ time will buy you much less than £100 today.

All this can be demonstrated in the comfort of your own home using your income and expenditure figures and details of your savings and investments, pensions and mortgages.  The power of cash flow planning is the ability to see where future problems may lie e.g. you want to retire early but your state pension starts much later; you have received an inheritance and want to gift some away but don’t want to run out of money later.  We can model multiple scenarios and advise you how best to achieve your desires based on your current position and what action you are willing to take.  Take a look at the short video on cash flow planning below.

Bespoke Financial Planning Bristol

We provide a wide range of financial planning services and we create bespoke financial plans that are tailored around your situation. Financial planning is suitable for people of all ages and financial situations and we can provide advice in relation to both individual and business matters. Some of the financial planning services we offer to our customers in Bristol and across the surrounding areas are:

At The Lost Coin Financial Planning Ltd, our financial planning services are tailored around you. We believe in having a close working relationship with our clients to ensure we are always achieving the best for them. Should you have any questions or if you’d like to discuss a bespoke financial plan for yourself, then be sure to contact us.

Professional Financial Planners in Bristol

As professional financial planners in Bristol, we are perfectly positioned to work with individuals from across the nearby areas. Our financial planners have undergone a vast amount of training and have years of combined industry experience. We believe in offering responsible investment advice and financial planning services and we only ever have your best interests at heart. Having created financial plans for many clients in the Bristol area over the years, we have developed a well-known and highly respected reputation in the local area.

When You Might Need Financial Planning

You could say that every adult needs a solid financial plan, no matter how old you might be or how much money you might have. One of the most important things to remember is your goals are what you are trying to achieve and money is just the tool to help you achieve them. Whilst we would all appreciate more money in life and a good financial plan can help you to achieve that, you’re going to be much happier if you know things such as your retirement is covered or your investment is growing and that’s where we come in. We provide bespoke financial planning services to clients based in and around the Bristol area.

Elements of Financial Planning


For those who have a young family, or a mortgage, or a low-income partner then protection plans are very important. Assuming you are in reasonable health, you can insure your life to pay out either a lump sum, or a monthly income, on your death or on being diagnosed with  a serious illness such as cancer, heart attack, or stroke.

For businesses we can set up a company death in service scheme.  This provides peace of mind for all the employees, with no health questions asked and at a low tax deductible cost to the employer.


The tax code in the UK is one of the most complex in the world.  There are many different reliefs and allowances available and often these get missed.  A part of our role is to make sure you are aware of all of the allowances, reliefs and tax traps that may apply to your situation.  Remember, it is perfectly legal to minimise the tax you pay, using the available allowances permitted by Parliament.  This can help reduce the cost of saving and investing towards a set goal, or enable you to achieve that same goal earlier.

So, when reviewing your pensions, we will talk about salary sacrifice and income tax relief.  We also cover ISA allowances, the child benefit tax trap, Gift Aid rules, capital gains tax allowances, inheritance tax and all the many ways to reduce this.

Levels, bases of and reliefs from taxation may be subject to change and their value depends on the individual circumstances of the investor. The Financial Conduct Authority does not regulate Estate or Tax Planning.


When investing your money there are a few things to consider:

  • Time – when do you want to reach your goal?
  • Attitude to risk – how much risk are you prepared to take?
  • Capacity for loss – how much of a loss can you suffer without affecting your standard of living?
  • Diversification – the amount held in cash, bonds, property and shares; also the geographical spread of these investments; and with different banks, life companies, fund managers.
  • Charges – certain styles of investing are more expensive than others and some plans and providers offer better value for money than others.
  • Limitations or preferences – many clients like their investments to achieve a monetary return as well as benefit society, e.g. ethical or socially responsible investments.

We take all the above factors into account when reviewing your existing plans and setting up new ones.  We will use your existing plans where possible and seek to simplify your arrangements where they have become complex over time.  Our first request is often to look through your mountain of paperwork that you have and divide it into a small pile to keep and typically a much larger one to shred.

The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance.

Benefits of Financial Planning Services

More and more people in the Bristol area are choosing to use independent financial planning services and it is easy to see why. Financial planning is tailored around you and it offers a number of great advantages and some of the main financial planning benefits are:

  • You can achieve personal goals
  • Improved and correctly managed cash flow
  • Secure retirement income and goals
  • Professional advice from dedicated experts
  • Peace of mind relating to estates or succession plans

Practical Financial Planning in Bristol

There are a lot of companies out there offering financial planning in Bristol, however we believe in offering practical plans and advice. Practical financial planning takes into account your changing situation to ensure the best results are always being achieved. Whether you’re looking at investment options or something else, our practical financial planning will ensure your money is looking after you. If you’d like to discuss a bespoke practical financial plan in Bristol, then all you need to do is get in touch with us and we’ll arrange a meeting to discuss your situation and requirements.

Why Choose Us For Financial Planning in Bristol?

Over the years we have constructed bespoke financial plans for many clients across the Bristol area. We work closely with our clients and have had some great feedback in relation to our Bristol financial planning service. Having listened to this, we believe some of the reasons you should choose us for bespoke financial planning are:

  • We have years of experience in the financial industry
  • Professional and fully trained financial planners
  • We work with clients in and around the Bristol area
  • Your financial plan is tailored to suit your specific needs
  • We work closely with our clients on a regular basis

For Bespoke Financial Planning in Bristol Contact The Lost Coin Financial Planning Ltd

If you’re searching for “bespoke financial planning Bristol”, then be sure to book an appointment with The Lost Coin Financial Planning Ltd today. We have years of experience carrying out financial planning for both individuals and business owners. Our practical financial plans are tailored around your needs and are regularly updated to ensure they are always working for you. No matter what your reason for needing a financial planner, whether it’s struggling with your finances or something else, we have you covered. Contact us today to book a meeting with one of our dedicated financial planning team. We provide financial planning across BristolChippenhamYateFiltonChipping SodburyClevedonFrampton CotterellPatchwayWinterbourne and Portishead.

Independent Financial Planners Covering Bristol

Financial Planning Bristol – Frequently Asked Questions

What is a financial planner?

A financial planner, such as ourselves, is a qualified and fully trained individual who can offer personal advice on things such as finances, investments, insurance, retirement and a number of other things.

How will financial planning help?

Financial planning is important for everyone and a good financial plan will help you to achieve the goals you have in life. Whether it’s saving to purchase your first home, planning for your death or something else, a financial plan will help to ensure your finances work to help you achieve your desired goals.

What does a financial plan look like?

Every financial plan is different and they will vary depending on what your aims are. However, most bespoke financial plans will include things such as a comprehensive picture of your finances, what your future financial aims are and how you plan to get there.

Why is it important to have a financial plan?

Financial plans help to improve the way you manage your finances; giving you a clear understanding of where your finances are at now, where you want to be and whether you’re on track to achieve it. Financial planning will help to ensure you are making the most of your money and you’re achieving your desired goals.

How do I get financial planning advice?

If you’d like to discuss financial planning advice, then all you need to do is get in touch with The Lost Coin Financial Planning Ltd. Simply head over to our contact page and fill in our form or drop us an email and one of the team will get back to you. Alternatively, you can give us a call for a more direct response.