The client journey








Initial meeting

Our process starts with an initial meeting to discuss your requirements. This is our opportunity to get to know each other and see if we can add value to your situation. We’ll talk about your current financial circumstances and what you’d like to achieve in the future. This first meeting is held at our expense and usually lasts around an hour.

Review and research

If we think we’re able to help and you’re happy to proceed, we’ll start to gather all the necessary information and documentation. We’ll review your current financial affairs, including assets, liabilities, income and expenditure. We’ll also assess your attitude and tolerance to risk.

Preparing your report

Armed with information, we’ll start to build your tailored financial planning report. We’ll complete a full analysis of how your current finances sit alongside your objectives for the future and conduct research to identify the best solutions for your circumstances.


We’ll organise a second meeting to present our recommendations to you. Our report will set out where you are now, where you’d like to be in the future and show how we recommend filling in the gaps to meet your goals. At this stage, you can decide whether you want to proceed – we’ll only do so if you’re 100% happy to.


If you’ve given us the go-ahead, we will put your plan into action. We’ll contact the necessary providers and help you complete the paperwork associated with it. We’ll also keep you updated on the progress.

Ongoing services

Things change over time, which means to get the most value out of your plan it’s necessary to change and tweak it accordingly. Our ongoing services include at least one meeting a year, where we will review your circumstances and amend your plan to ensure it’s still fit for purpose.

What our clients say

Chancellor’s advice has always been personalised, professional and knowledgeable. It is delivered in a friendly and well-explained manner with time to consider each decision. We would not hesitate to wholeheartedly recommend them.

Mr & Mrs F, Bolton

I have worked with Chancellor for a number of years and found the financial advice and support that they give to be invaluable. A tailored and flexible approach to financial planning is important in my situation and that approach is expertly delivered.

Roz Cuschieri, Chairwoman, Non-Executive Director, Adviser and CEO

I was introduced to David Torkington almost three decades ago and we have worked very well together ever since. I always know if David is involved, our pension and protection schemes will be dealt with very professionally and our employees will be well looked after.

Mark Jones, Finance Director at Alpine Fire Engineers

Chancellor’s technical expertise, down-to-earth approach and great service levels really help their long-standing clients to navigate the financial maze.

Martin Ainscough, CBE

As I am approaching retirement, I am confident that the team at Chancellor will give me the best guidance to ensure my future is financially secure. Financial planning over the long term has been critical and the long-term relationship with the team has been central to the success.

Gordon Carlton

Dave helped me navigate through all the pension information when I wanted to change providers, and to this day continues to act as a great support and somehow manages to explain pensions to all our UK team in such a way that everyone understands.

Rachael Herscovitz

Nothing is too much trouble for David or his team, and on renewals, checks are always made to obtain the best cost to keep our business services competitive. My department is only as good as the advisers I have on board, and I wouldn’t move away from my adviser easily.

Karen Lee

When my mother went into residential care, I requested advice on investing the proceeds of her house to cover care home fees. The advice I received resulted in significant IHT savings on her estate when she died. I was treated with understanding and patience.


I have been a client of Chancellor Financial Management since 2009. I have always been pleased with the quality of the advice that I have received and with the clarity with which CFM’s fee structure has been explained to me. I am a satisfied client of CFM and am pleased and happy to recommend them as financial advisors.


David has offered sound advice on many occasions and I have found him utterly dependable and helpful. I have taken the opportunity to recommend David to a number of friends and business associates throughout the years and am satisfied that he will provide a good and thorough service for them.

David Lean

We can certainly recommend Chancellor to other companies looking to put a suite of employee arrangements in place

Craig Belfield

All important aspects of my financial affairs are run by and through the Chancellor team.

Ian Ferguson

Their expertise has been of enormous help during a number of changes in my life circumstances. Their strategy has always been to help me plan for my future in a way I am comfortable with. I would have no hesitation in recommending  them to anyone in need of independent financial advice. They have served me extremely well over many years and many more to come I hope.

Cary and Caroline Hardwick

We were delighted that Chancellor were able to deliver significant cost savings for us with the same insurer whilst at the same time introducing some improvements.

Claire Billington

We can’t speak highly enough about our relationship with Chancellor. From the schemes that we offer to members of the Inktech team to the Directors’ own personal arrangements, Chancellor offer us a very professional “one stop shop” approach for all of our pension and financial planning needs

Richard Duckworth

Grant’s advice was invaluable and he is now our trusted financial guru who continues to advise our whole family.

Cheryl Patterson

We have been retired for a few years now and our financial planning has really worked out for us. Our regular review meetings ensure that things stay focussed on our goals and on track. With Chancellor looking after us we can concentrate on enjoying ourselves and seeing the world.


I am delighted to recommend the services of Chancellor Financial Management Ltd. The trustees and management have always found the team at Chancellor to be knowledgeable and approachable in areas concerning financial management.

Gill Dennett, Head of Finance & Support Services at Wigan & Leigh Hospice

David is always willing to spend time to help explain complex financial solutions in a straightforward way and we would have no hesitation in recommending David and the team at Chancellor to other owner managed businesses.

Nik Basran

Chancellor and the team are knowledgeable and reassuring, and always manage to make complex ideas understandable. I am entirely confident and satisfied that with Chancellor’s input my, and my family’s financial affairs are on the right footing for the future.

Tony Gentile

Chancellor have looked after the financial interests of myself and my family since its inception and over the years have offered a very personal and professional service. My family and I are completely satisfied with the advice and service we receive from Chancellor and would have no hesitation in recommending them.

Jim Winrow

Financial expertise with a personal touch, Chancellor and Grant Farnell devised a personalized pension plan and customised service that is perfect for me.

Ruel Hudson

I have always found Grant to be interested in my personal financial planning and practical in the suggestions he has made that has given me a great deal of confidence and peace of mind.

David Fairhurst

We could never have expected to be in the financially secure situation that we are in today largely due to Chancellor’s advice and personal support. That suggestion to call [them] must be one of the most important pieces of advice that we have received.

Eunice & Bob Howarth