What Radcliffe & Co does

Radcliffe & Co (legal entity Radcliffe & Co Life & Pensions Ltd) is an FCA-authorised and regulated independent financial adviser founded in 1959 in Southampton, England. The firm delivers face-to-face financial planning to individuals, families, business owners and SMEs across the South of England through three offices in Southampton (headquarters, Ocean Village), Winchester and Tidworth, supported by 18 advisers and 40+ total staff. Its service offering is organised into three core lines — Personal and Family Financial Planning (covering retirement, investment, pension consolidation, protection and insurance), Business Owner Planning (succession, continuity, shareholder protection, exit planning) and SME/Decision-Maker Services (workplace pensions, employee benefits, corporate protection) — with specialist extensions for Independent Schools, Armed Forces personnel and Aviation professionals.

The technology stack supporting the advisory practice is modest but modern for an IFA: an in-house Investment Committee under a dedicated Head is augmented by "AI-driven research and data analysis tools," and advisers use cashflow modelling software that converts client inputs (inflation, investment growth, life expectancy, legislative factors) into dynamic visual projections for retirement and estate planning. There are no public APIs, mobile apps, or disclosed proprietary models; the differentiator is curated investment governance and advisor-led interpretation rather than a software platform. Radcliffe & Co holds Cyber Essentials certification alongside its FCA authorisation.

The business model is fee-based professional services: advisers earn through financial advisory fees on a long-tail of mass-affluent clients, with no disclosed product-provider panel ties (whole-of-market independent status) and revenue supported by ongoing reviews and relationship retention. Distribution combines direct advisory through the three offices, a professional introducer network (accountants, solicitors) channelled through a dedicated Introducer Hub, client events, content marketing and SEO via the firm website, and LinkedIn/social activity. Marketing emphasises the firm's 60+ year heritage, multi-generational client relationships, and a stack of recent industry awards including consecutive wins of Professional Adviser's "Best Financial Advisers to Work For" (2023, 2025, 2026). The firm is privately held and family-controlled (Neil Igglesden as Chairman, Jack Igglesden as Managing Director), with no external private equity or venture capital backing and no disclosed funding rounds.

Name

Radcliffe & Co

Legal name

Radcliffe & Co Life & Pensions Ltd

Website

https://radcliffe-ifa.co.uk

Company type

Private

Founded year

1959

Operating status

Operating

Headcount range

11–50 employees

Short description

Radcliffe & Co is an FCA-regulated, independent UK financial adviser founded in 1959, delivering fee-based personal, business-owner and SME financial planning across three South of England offices with 18 advisers and over £1.3bn in client assets.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Family Office Advisory (Single/Multi-Family) (FSAEAAAI)

akta.pro secondary industry

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

Keywords

• Independent financial advice
• Financial planning services
• Investment management
• Pension consolidation
• Wealth advisory services

Headquarters

HQ city

Southampton

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Financial Advisory Fees: Fee-based financial planning and advisory services provided to individuals, families, and businesses. Services include retirement planning, investment planning, pension consolidation, protection and insurance, and business owner planning. Revenue generated through advisory fees, potentially with commission structures typical of UK financial advisory firms.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Radcliffe & Co is an FCA-regulated independent financial adviser providing face-to-face financial planning services from three UK offices. The firm delivers fee-based advice across personal and family financial planning (pensions, investments, protection, retirement, cashflow modelling), business owner planning (succession, shareholder protection, exit planning), and SME/decision-maker services (workplace pensions, employee benefits, corporate protection). All advice is whole-of-market and supported by an in-house Investment Committee.

Product overview

Radcliffe & Co is an FCA-regulated independent financial adviser offering a comprehensive suite of financial planning services organized into three core areas: Personal and Family Financial Planning (including Cashflow Modelling, Investment Planning, Pension Consolidation, Protection and Insurance, and Retirement Planning); Business Owner Planning (including Business Continuity and Shareholder Protection, Protecting the Business, and Selling a Business); and SME/Decision-Maker Services (including Corporate Protection, Employee Benefits, and Workplace Pensions). The firm also provides specialist advice for Independent Schools, Armed Forces, and Aviation professionals. All services are delivered through independent advisers without ties to product provider panels, supported by an in-house Investment Committee that provides research and oversight for investment recommendations.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Manage over £1.3 billion on behalf of clients
• +1 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Seven partnerships are on record, tiered minor.

• Rose RoadminorOthersLocal charity supported through Radcliffe & Co's community outreach and Helping Hands programme.
• Southampton FC Saints FoundationminorOthersLocal football club charity foundation supported through community outreach.
• Green Island Holiday TrustminorOthersCharitable organization supported through Radcliffe & Co's community initiatives.
• Peter Cooper Motor Group FoundationminorOthersLocal charitable foundation supported through community partnerships.
• Tottonians RugbyminorOthersLocal rugby club supported through community outreach programme.
• Eastleigh RugbyminorOthersLocal rugby club supported through community outreach programme.
• Trojans FCminorOthersLocal football club supported through community outreach.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Charles Stanley:
• Evelyn Partners: UK wealth management and professional services firm offering financial planning, investment management and tax advice to individuals, families and business owners. Closely comparable to Radcliffe's integrated personal-and-business-owner planning model across multiple UK regions.

Broad incumbents

• St. James's Place: One of the UK's largest wealth management groups, serving individuals, families and business owners with face-to-face advice through a national partner network. Highly comparable to Radcliffe's whole-of-market personal and business-owner planning model, but at vastly greater national scale.
• Rathbones Group: UK-listed discretionary investment manager serving private clients, charities and intermediaries. Comparable to Radcliffe on investment management, financial planning and integrated personal wealth advisory, and is also one of Radcliffe's investment partners.
• Quilter: UK wealth management platform offering advised and platform-based investment solutions to individuals and advisers. Directly comparable to Radcliffe's investment planning, pension consolidation and retirement offerings, with overlap on protection and inheritance tax planning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/radcliffe-co

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Radcliffe & Co