# Stratagem Financial Planning

Stratagem Financial Planning is an independent financial advisory firm based in Poynton, Cheshire, serving clients across the UK. They specialise in comprehensive financial planning tailored to families, businesses and professionals at different life stages—from those in working life through to retirement.

The firm works with six distinct client segments: employed professionals seeking investment and protection strategies, individuals approaching or in retirement, active investors, those requiring specialist pension arrangements, business owners needing protection and succession planning, and professional connections including accountants and solicitors.

What sets Stratagem apart is their commitment to personalised, bespoke advice rather than off-the-shelf solutions. They combine cutting-edge technology—including client portals and sophisticated cashflow modelling software—with experienced advisers, allowing them to handle complex financial situations whilst keeping advice accessible and straightforward.

The team includes Chartered Financial Planners with extensive experience across diverse circumstances, supported by specialist protection advisers and client managers. A notable differentiator is their positive investing approach, actively helping clients access ESG, socially responsible and ethical investment funds alongside conventional strategies.

Rather than imposing predetermined solutions, Stratagem keeps client ambitions central to every recommendation. Their investment philosophy ensures clients remain positioned in strategies aligned with their risk profile as circumstances and objectives evolve. This combination of talent, technology and tailored strategy makes them particularly valuable for higher-net-worth individuals and business owners seeking sophisticated, independently-minded financial guidance.