Rebecca Cherry
Financial Advisor
Profile Summary
I am a Chartered Independent Financial Adviser with over 15 years of experience in financial services. I hold advanced qualifications from the CII in Personal Tax & Trust Planning, Pension Planning, Investment Planning, and the Financial Planning Process. I work with individuals and business owners to develop financial plans that protect assets and help build long-term wealth in a tax-efficient way. By working closely with solicitors and accountants, I ensure a fully coordinated, holistic approach to each client’s financial situation. I also provide ongoing reviews to keep plans aligned with changing goals and circumstances, and I am licensed to advise US-connected clients.
Investment & Financial Services Offered
Investments and Savings
Advice to help you potentially achieve better returns on your savings through a wide range of investment options, including equities, funds, and bonds, aligned with your financial goals and risk profile.
Pensions
Support with retirement planning, whether you are starting a pension or reviewing existing arrangements to ensure your contributions are appropriate for your future needs.
Retirement Income (Annuities & Drawdown)
Guidance on understanding and selecting suitable retirement income options, including annuities and drawdown strategies, to provide sustainable income in retirement.
Pension Transfers – Non Specialist
Advice on transferring standard personal pensions or workplace pensions made up solely of regular contributions from you and your employer (this does not include defined benefit pensions).
Insurance and Protection
Recommendations on suitable levels of life insurance, critical illness cover, and income protection to help safeguard you and your family against unexpected events.
Who Rebecca Cherry Works With
I work with individuals who want structured, tax-efficient financial planning and a clear strategy for protecting and growing their wealth. Many are professionals balancing career progression with long-term personal financial goals. I also advise business owners who need support aligning personal wealth planning with business success, including retirement preparation and tax-efficient wealth extraction. A number of my clients are families who want to ensure their assets are protected and structured efficiently for future generations, often working alongside legal and tax professionals. Additionally, I support US-connected clients living in the UK who require specialist advice that considers cross-border financial considerations.
Investment Philosophy & Approach
My investment philosophy centres on long-term planning, tax efficiency, and structured portfolio management. I believe investments should support clearly defined life goals and be positioned appropriately for each client’s risk tolerance and time horizon. Diversification and disciplined portfolio management are key to managing risk and navigating market fluctuations. Regular reviews ensure strategies remain aligned with personal circumstances, tax considerations, and evolving financial objectives. Above all, I believe financial planning should provide clarity and confidence, ensuring clients understand both opportunities and risks while working toward sustainable long-term outcomes.
Fees & Charging Structure
Rebecca’s fees vary depending on your individual circumstances and the type of advice you require. To receive an accurate estimate, you would need to discuss your personal situation and financial goals with her directly. For investment and pension advice, advisers typically charge a percentage of the amount you invest or transfer. This fee generally ranges between 1% and 3%, depending on the size of the investment. If you choose to receive ongoing advice and regular reviews, there may also be an annual charge, usually between 0.5% and 1% per year. In some cases, fees can instead be structured as a fixed fee, an hourly rate, or a combination of different charging methods. All charges are agreed with you in advance and only applied with your clear consent. Payments are normally deducted directly from your investment or pension. Since 2012, financial advisers have not been permitted to receive commission from investment or pension providers when recommending products or funds. This means Rebecca is paid solely by you, the client, ensuring full transparency and unbiased advice.
Areas Served
United Kingdom nationwide, Willing to travel to meet clients up to 30 miles from EC4A 2EA.
Frequently Asked Questions
Are you an independent financial adviser?
Yes, I provide independent advice, meaning recommendations are based on your needs and the broader market rather than restricted providers.
Do you offer tax planning advice?
Yes, tax efficiency is a core part of financial planning, including pensions, investments, and estate planning strategies.
Can you work with my accountant or solicitor?
Absolutely. I regularly collaborate with other professional advisers to ensure a coordinated approach.
Do you advise US-connected clients?
Yes, I am licensed to work with US-connected clients and understand the additional considerations involved.
How often will my financial plan be reviewed?
Your plan will be reviewed regularly to ensure it remains aligned with your goals and any changes in circumstances.
What happens in the first meeting?
The first meeting focuses on understanding your financial position, objectives, and concerns, and outlining how a structured plan can help you move forward.