# Charterhall Associates Ltd

Charterhall Associates is an independent financial adviser based in Shepperton that has been guiding clients towards financial security since 1987. They provide comprehensive financial planning services tailored to individuals, families and businesses across Surrey and beyond.

The firm specialises in five core areas: pension planning, retirement income strategy, investment and savings planning, mortgage advice, and protection through life assurance and income protection insurance. Their approach centres on understanding each client's current circumstances and future aspirations before developing bespoke recommendations, presented without unnecessary jargon.

What distinguishes Charterhall Associates is their commitment to transparency and accessibility. They offer a free initial consultation lasting up to an hour with no obligation, allowing prospective clients to understand their financial position risk-free. Their pension reviews are particularly valuable, as many people accumulate multiple pension plans without fully understanding their growth potential or retirement readiness.

The firm's mortgage service offers flexibility in charging structures—clients can choose between paying a flat fee (typically 0.5% of loan amount) or allowing the adviser to receive commission from lenders. This transparency in fee structures reflects their broader philosophy of clear communication.

Regulated by the Financial Conduct Authority, Charterhall Associates operates to professional standards with formal complaint procedures and access to the Financial Ombudsman Service. Their longevity and local presence in Shepperton underscore their stability and community integration, making them a trusted choice for residents seeking independent financial guidance.