Advice Matters Financial Planning Ltd profile

Why choose us?

There are many financial advisers that you could choose to work with

We understand that it’s an important choice for you; your financial wellbeing has a direct impact on your wellbeing as a whole. That’s why financial advice really does matter. But here’s the thing; we’re not advisers. We’re planners.

We plan to achieve your goals for the life you want, both now and in retirement. We use cash flow planning tools to work out where you stand now and in retirement. We’ll also cover certain ‘what-if’ scenarios so you can be confident that your plan will hold-up, whatever life throws your way.

With effective, ongoing, trustworthy financial planning you can be safe in the knowledge that your financial wellbeing is in safe hands. That’s why clients choose to work with Advice Matters.

We’re a VouchedFor Top Rated Firm

We have been included in the VouchedFor Top Rated 2024 Guide, distributed by The Times.

VouchedFor’s Top Rated Guide aims to identify and celebrate the UK’s best financial advice firms based on client feedback. We are delighted to have been included for the third year in a row.

Better yet, we are Cumbria’s only Top Rated Firm in 2024 and it’s the third consecutive year that we’ve qualified.

Meet our clients

Jeff is a Chartered Surveyor in his fifties, working as an investment adviser selling and buying commercial property for clients. He is married with two grown-up children.
Phil and Jane are married to each other and have a strong personal connection to the Lake District and surrounding area. They have both been self-employed for over 25 years, starting a business as a partnership, then becoming Directors of Evolution Consulting (UK) Ltd, a firm specialising in leadership, management development and executive coaching.
Alan and Karen got married in 1986 in the Langdale Valley, Lake District. They met at work in the hotel where Alan was the hotelier and Karen worked in sales. After the birth of their two daughters, they bought their first house in the Lake District.
Steve is a Director of an insurance business. He is married and together with his wife is a client of Advice Matters. Steve is keen on charity work and has recently completed a charity fundraising trek in Transylvania.
Karen and Dick have been together since 1995 and married in 2007. Karen, now 64, worked in the public sector for half of her working life, and was self-employed for the remainder. This meant that she had a mix of company pensions along with a small private pension.
Thanks to Chris's help, I have the freedom to retire while I'm still fit and healthy
It gives me a lot of reassurance knowing there is someone else in our financial decision making
Working with Chris gave us the confidence that we could be financially secure in our retirement
Jeff Phil & Jane Alan and Karen Steve Karen and Dick Chris Rhodes Jane Senior & Phil Whitehurst Peter Gregson

Not convinced? Here are a few more reasons why you should work with us:

We know our stuff

Chris Wheatman is a Chartered Financial Planner and a Certified Financial Planner. Very few financial advisers hold both of these accreditations. Both represent the ‘gold standard’ of financial planning and demonstrate Chris’ commitment to ongoing education and professionalism. You will benefit from Chris’ in-depth knowledge of the financial services profession.

We’re independent

We provide ‘whole of market’ advice. This means that we can choose the most appropriate financial solutions to meet your needs; we’re not tied to, or incentivised by, any product providers. What’s more, we’re a dedicated financial services firm, not an ‘add-on’ service of an accountancy or estate agency.

We’re all about you

We’re passionate about providing the solutions to allow you to lead the lifestyle you want to live. We invest time in getting to know you and your family, providing as much face-to-face contact as you need. And we focus on delivering a personal, flexible service which matches your needs.

We deliver value

We have low, fixed, upfront charges which demonstrates our desire to invest in a long-term relationship with you. We deliver value by helping your wealth to work for you and providing the peace of mind that comes with knowing you have a ‘go-to’ adviser for your financial needs.

We’re ready for you now

We’re ambitious for growth but won’t compromise the quality of our service. We have the support team in place to continue to provide the level of service that our clients have come to expect, with the capacity for expansion when it’s needed.

Loved by our clients

Some of our clients have been with us for more than 20 years, and we regularly receive fantastic feedback on our services. To prove it, a recent survey showed that:

What our clients say

We have used Advice Matters to advise us and manage our finances for over 20 years. At this stage in our lives, we are now seeing things come to fruition and have peace of mind financially that we have reached our goals.

Our friend in Kendal

We've been talking since 1999

I'm very grateful for all Chris's good, solid and useful advice in planning for the future years!

Our friend in London

We've been talking since 2014

I was a bit scared about having a financial adviser until I met Chris Wheatman. He quickly put my mind at rest; no rushing, no selling, just keeping all information simple, in a language I could understand.

Our friend in Bolton-le-Sands

We've been talking since 2019

I have worked with Advice Matters since the business started. Between us, we have regularly reviewed my choice of investments and investment performance. I am pleased to say I am ready for retirement now at the age of 55.

Our friend in Wilmslow

We've been talking since 2004

I have used Advice Matters for about 20 years and have always found them to be a knowledgeable and professional team. My loyalty is to Chris Wheatman personally as he has always been my point of contact. Changing circumstances require changing advice and he has always been able to adapt financial products in a needs-appropriate way.

Our friend in Brazil

We've been talking since 1999

I have been dealing with Advice Matters since I started my first job when I was 17 years of age. The advice that has been given over the past 27 years has been great. Whether it was when I took out my first pension, right through to owning my own house and having to take out life insurance. A company I can recommend to any friends knowing they will be well looked after.

Our friend in Windermere

We've been talking since 1992

Advice Matters have changed my view of IFAs, with a client-focused approach, and a genuine concern for my priorities. I feel that with Chris and his team I have someone really competent at my side.

Our friend in Hereford

We've been talking since 2016

Reviews and Ratings for Financial adviser Chris Wheatman, Lancaster
Karen Faithfull Jeff Ellis Margaret McCaskie Steve Vickers Richard Freeman Richard Rigg Mark Trepte

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    Advice Matters is a trading style of Advice Matters Financial Planning Ltd which is authorised and regulated by the Financial Conduct Authority: 779172

    The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses are not able to resolve themselves. To contact the Financial Ombudsman Service please visit