# Graham Carter & Co Chartered Financial Planners

Graham Carter & Co is a well-established, fully independent financial planning firm based in Chester, serving clients throughout the North West. With 50 years of experience, they specialise in comprehensive financial advice for individuals and businesses seeking to grow and protect their wealth.

As one of a small percentage of firms to achieve Chartered status, they maintain the highest professional and ethical standards. Their independence is a key differentiator—unlike high-street banks and insurance companies tied to limited product ranges, Graham Carter & Co can source solutions from across the entire market, ensuring clients receive truly impartial advice tailored to their circumstances.

They serve affluent individuals planning retirement, business owners seeking protection strategies, and those managing inheritance and complex financial situations. Their three pillars—insight, clarity and strategy—underpin every client relationship.

Services span wealth management and investment planning, retirement income strategies, inheritance tax optimisation, and comprehensive business financial planning including group pensions and life assurance. They also offer specialist support for pension tracing and divorce-related pension issues.

What sets them apart is their combination of independence, professional credentials, longevity and personalised approach. Rather than applying one-size-fits-all solutions, they employ cash flow modelling and detailed financial reviews to create bespoke plans aligned with each client's goals and risk tolerance. This client-centric philosophy, backed by five decades of trusted relationships, positions them as a preferred choice for serious financial planning in the region.