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Financial Services

  • Personal protection.
  • Business protection.
  • Tax, trust and estate planning.
  • Over 30 years’ experience.
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    Holistic Financial Services

    We are a financial planning business focused on developing, implementing, and monitoring bespoke long-term plans for individuals and their families, including business owners intending to exit or capitalize their business. Above all we aim to give our clients the certainty that they can enjoy life to the full now as well as long into the future.

    At Stephens Financial Services, we take a holistic approach, leaving no stone unturned to ensure our clients receive a comprehensive financial planning service. We work closely with our professional partners to keep our clients one step ahead, giving them the peace of mind that their finances and investments are working according to their objectives and as efficiently as possible.

    Lifestyle, Retirement Planning and Investments

    Regardless of the life stage you have arrived at, it is important to receive expert and professional advice on your pension plans and investments. Whether you need to set up or review existing retirement planning strategies for you or your employees, or lifestyle planning for you and your family, we have ways to help you make the most of your opportunities.

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    Tax, Trust and Estate Planning

    You spend your life working hard to build your wealth, but without careful planning, your family could see a large proportion of your estate being used to pay an inheritance tax bill.

    With careful planning and consideration to tax implications, Stephens Financial Services can produce a structured financial plan to reduce your inheritance tax, whilst maintaining flexibility and control of your assets.

    We can advise on: –

    • Gift rules including: Potentially Exempt Transfers and Chargeable Lifetime Transfers
    • Inheritance Tax Planning
    • Trusts
    • Gift and Loan Arrangements
    • Spousal By-Pass
    • Family Protection Trusts
    • Discounted Gift Trusts
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    Personal Protection

    Many people forget to protect what is most important in their lives; their family and themselves. Sometimes this can be a difficult conversation, however Stephens Financial Services understands the importance of protecting you and your loved ones in the event of challenging situations. We are specialists in creating bespoke protection plans to ensure you have a safety net in place to cover different eventualities.

    Business Protection

    The most valuable asset to any business is its people, without them, a company’s survival can be at serious risk. Our fresh approach to business protection will help to protect you and your business should the worst happen. Through a review of your current arrangements and our relationships with providers, we will recommend the most appropriate mix of products to protect your business and your employees.

    Stephens Financial Services is a trading style of Cheetham Jackson JV LLP which is an appointed representative of Cheetham Jackson Limited which is regulated by the Financial Conduct Authority.

    The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at

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