The Financial Management Programme

Cilbenrick’s Financial Management Programme is a step-by-step process designed to help you manage your financial affairs.

The programme consists of up to five individual modules, each of which addresses a different area of your financial planning. The outcome of the programme is a financial plan that protects and enhances your wealth and helps you to achieve your desired lifestyle.

Using sophisticated technology, we will build a computer model of your affairs, populated with details of your income, expenditure, assets & liabilities. By then discussing with you how you would like things to be, we can test your resources to see if they are sufficient enough and robust enough to enable you to live the way you have described, not only in your good health but also under a range of catastrophe scenarios. Possibly for the first time, we can show you exactly what is possible in a way that is easy to understand and leaves you re-assured and confident about your financial future.

01 Risk Management

02 Asset Management

03 Retirement Planning

04 Estate Planning

05 Business Planning

FAQ's

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Who are Cilbenrick?

Cilbenrick are a professional firm of independent financial planners, concentrating on holistic financial planning and investment advice. Remaining small has enabled us to build close working relationships with our clients, based on years of mutual confidence and trust. If you are looking for independent and professional advice from a fully authorised and regulated firm then please read on.

How could we help you?

As your financial planner, it would be our role to develop a financial strategy that would help you to achieve your desired lifestyle. Your financial plan would be designed to minimise taxation, risks and expenditure, and maximise income, investment returns and cashflow. Presented in an easy to understand way, the very least you would gain would be understanding, re-assurance and peace of mind.

How do we differ?

At Cilbenrick, we believe that financial planning is more about helping you to achieve your desired lifestyle than it is about pensions or life assurance, and the financial plan that we would prepare for you would be goal-driven, rather than product-driven. Allowing ample time for each and every client ensures that your goals and needs are listened to and that they are properly considered at all times.

Who are our typical clients?

We have clients of all ages, professions and from all walks of life. Those who derive most benefit from our Financial Management Programme are busy and successful people, often owners of small to medium-sized businesses, professionals or people approaching and planning their retirement. The common feature that unites our clients is that they are interested in making the most of their resources and using their wealth to ensure they can live life the way they would like to.

How are we paid?

Initial meetings with prospective clients are without cost or obligation on their part. In confidence, we would hope to explore your situation, plans and concerns, and offer you some ideas as to how we may be able to help. If you would like to work with us then we have a service proposition that lists all of our services and charges and we would review this with you and agree a basis of going forward that was acceptable to you.

What our client’s say

"We've always found Cilbenrick to be thoroughly professional; attentive, pro-active, responsive to our requests and very friendly and personable. They give us excellent feedback on our portfolio which includes a good overview with detailed analysis behind it to support their recommendations. They are creative and are always willing to research the best ways to make investments work for their clients. They are people-orientated; are very knowledgeable, honest, reliable and diligent and we would have no hesitation in recommending Cilbenrick to prospective new clients"

Mark & Fiona Wilson - Human Resources Manager

"The key strengths I find in using the services of Cilbenrick are the reassurance that specialists are monitoring the performance of our investments and providing regular updates and advice to enable us to maximise returns. I also like having our investments under one umbrella to simplify the administration of our financial affairs"

SANDRA EVANS - ACCOUNTANT

"This is how financial planning should be! A full investigation of your current position. Time spent analysing where you want to be in future. Then a sophisticated software package and advice to help you decide how you are going to get there. First class"

Austin & Judith Roberts - Optician

"The level of detail is excellent and, though requiring accurate and in-depth input, it has allowed important decision making to take place. Without this process we would still be wondering whether these things were possible and what effect this would have in later life. Now we know"

Andrew & Hilary Quinlan - Management Consultant

"We have found the level of service provided by Cilbenrick very thorough and detailed, proving very informative and helpful, thus enabling us to make decisions about our future and our children's"

Martin & Hilary Salmon - Farmer

"I have regular reviews of the performance of my portfolio and total transparency of movements within the wrapper. Moving the mix of investments between the best performing funds has provided above-average returns. I am very pleased with the professional advice Cilbenrick has provided over the years and would not hesitate to recommend their services"

Andreas Klimczak - Management Consultant

"Since appointing Cilbenrick as my financial advisers, they have significantly improved the returns of my pension and investment portfolio. Their advice has given me greater confidence, understanding and re-assurance"