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Wealth management

We combine independent financial advice with expert legal advice so you get a full-joined up view. Our Chartered Financial Planners cover: pensions, investments, later life lending (including equity release), care home fees, inheritance tax planning and protection for your family and business.

Get in touch or call us on 0800 0131165

Independent financial advice

At Tees we provide independent financial advice, working in partnership with you for the long term, always there when you need us. People are central to everything we aspire to do and everything we deliver is designed around our clients.

Tees are Chartered Financial Planners, committed to a customer-first approach and values that align with a professional Code of Ethics. We provide solutions relevant to your needs, maintaining our knowledge through qualifications and ongoing professional development. Investments and financial products change, as do the laws that affect them, and of course your own priorities will also change; having a trusted adviser to turn to is essential.

Our specialist services include:

  • Pension advice – taking your pension early, tax-free lump sums, personal pensions, stakeholder pensions, SIPP (self-invested personal pensions) and workplace pensions, National Employment Savings Trust (NEST) schemes, annuities, additional voluntary contributions (AVCs) and pension transfer advice. 
  • Investment advice - ‘whole of market’ advice on: ISAs, Unit Trusts, OEICs (open ended investment company), bonds and stocks. 
  • Later life planning - inheritance tax planning, pension sharing, savings for children, school fees, equity release, pre-paid funeral plans and care fees planning. 
  • Financial planning for a business - succession planning, business protection, employee benefits, auto-enrolment, group pension schemes and directors’ pension schemes. 

Call our financial specialists on 0808 231 1320Call us for a free initial chat, at no obligation, or fill out our enquiry form and a solicitor will get in touch

What our clients say

Mrs Mary Pope

Gilston, Herts

Toni Chalmers-Smith and her colleagues define "where there's a will there's a way". Toni dealt with two separate financial problems and demonstrated tenacity, drive and an ability to think round problems and find solutions to deliver a result. Toni was able to resolve and deliver excellent financial solutions above and beyond the expectations of myself and my son. Toni and the team at Tees are a must for anyone considering financial advice.

Mr Lawrance Lucas

Hunsdon, Herts

I am very grateful for the professional service that everyone at Tees has shown me over the past few years. In particular my appreciation goes to Cathy Izzard who drew up my late mother’s Will, arranged Power of Attorney and administered probate; to Toni Chalmers-Smith for care fees planning and related financial advice and to Allan Wright for the smooth conveyance of my mother’s house sale. They are knowledgeable, approachable and show empathy to what is sometimes a difficult process.

Ian Christmas

High Wycombe

My wife and I have been lucky enough to have Kevin Palmer as our financial adviser for the past twelve years. He is the antithesis of a salesman, he instead made it clear that his sole purpose was to understand and meet our requirements. His patient and empathetic manner helped my wife and I to crystallise our needs and make our financial plans. Kevin has not only helped us to get the best out of our existing investments, he has also got us into some very good funds and we have been extremely pleased with their growth. He always prepares exceptionally well for our meetings and explains everything in an easy-to-understand manner.

Mr T & Mrs N Smerdon


Kieron was able to explain things to us in simple terms which we understood and even made pensions sound interesting!   You can tell that he loves what he does and really knows his stuff. He has a friendly approachable manner and we look forward to working with him again in the future.

Jeff Sadler


I have had the pleasure of being a customer of Adrian’s for over 10 years. He is always professional and gives sound impartial advice on financial matters. Adrian listens carefully and then provides advice which has been invaluable in helping me reach my retirement & lifestyle goals successfully. I would therefore have no hesitation in recommending Adrian as his people skills are excellent and advice given is always uncomplicated and succinct.

Mr and Mrs W


Entrusting the accumulated wealth of a lifetime's endeavours is one of the most important decisions a person makes. In order to feel comfortable you need to trust the judgement of both the organisation and the individual taking care of your investments. Our experience with Tees allows us to feel confident that our money is in safe hands.

Mr and Mrs W


We have been very impressed by some of the foresight that Gavin has shown with regards to our finances. This was particularly the case with planning for pensions, in light of the new rules introduced by the government. He knew about the impact before we did and that is very impressive. We’ve been made to think about our approach to finance in a completely new way and Gavin was instrumental in this approach. Gavin and his team do so much of the heavy lifting with regards to the analysis of our finances, that when we see him it, is a simple and constructive meeting.

Susan Smith


Michael was able to reassure me and put my mind at ease by providing me with sound and practical advice on a variety of investments, and has patiently explained everything in detail, in language that is easy to understand. He has offered an excellent professional, honest, trustworthy and friendly service and has made the time, above and beyond, to meet me regularly, to discuss and plan my personal portfolio and future investments. I have always felt that he has my best interests at heart and through his extensive expertise has also given me peace of mind which has been a huge relief. He has never applied any sales pressure or hurried me to make a decision and has also ensured that I understood and had the full depth of knowledge, in order for me to make the appropriate decision for my personal circumstances.

Anne M


I have been a client of George Rutt, and now Tees Financial for 50 years, and due to the excellent advice I have been given, I am in a very good financial position and look forward to a good retirement. I find Helen Prosser in particular, most helpful and easy to deal with.

We understand your situation and our expert team are here to help

Get in touch to speak with someone who can help you move forward.

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Tees coronavirus update

We’re open and here to help you. We’re running as normal with our employees all working from home.

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You can call us as normal on 0800 013 1165 or email us: hello@teeslaw.com.

You can also find contact details for all our advisers here. 

As a flexible and technologically-adept firm, we already had many home-working systems in place. We have now rolled this technology out to all our employees working for clients, so they can continue to work normally - and from home.

If you are a client, please be assured you can get in touch with Tees and we are still working on your case. To replace face-to-face meetings, we have the facilities to do video-conferencing, conference calls or just speak on the phone, as you need.

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