What Castlegate Financial Management does

Castlegate Financial Management Limited is a UK-based independent chartered financial advisory firm founded in 1994 and headquartered at 8 Castlegate, Grantham, Lincolnshire. The firm delivers eight core advisory services — financial planning, investment management, retirement and pension planning, protection strategies (life and health insurance), tax planning, business solutions, cashflow forecasting, and trust services — to individuals, families, employers, and their teams on a nationwide basis. Business is conducted through independent chartered financial planners working directly with clients on a consultative basis, with relationships documented as spanning multiple decades. The firm is regulated by the Financial Conduct Authority (FCA No. 169777) and recognized in the FTAdviser Top 100 Financial Advice Firms 2025 and the Professional Adviser Awards 2026 (Best Advice Firms to Work For).

The technology underpinning operations is industry-standard financial planning software used for cashflow forecasting, retirement scenario modelling, pension projections, and wealth management; Castlegate does not disclose any proprietary technology or AI/ML capabilities. A client portal supports existing-customer self-service. Revenue is generated through (i) ongoing financial planning advisory fees and (ii) investment management services, structured as recurring engagements with multi-year contracts; specific pricing is not publicly disclosed and is set on a consultation basis. Client acquisition is driven by referrals, content marketing (website blog/insights), and organic social channels (LinkedIn, Facebook, X). Free initial consultations are offered to prospects. Castlegate operates as part of the Duncan & Toplis Group and Kinbrook Group, which in 2024 secured external investment from private equity firm Blixt Group to fund an accelerated growth programme; in 2026, Peter Wilson was appointed Managing Director to lead that growth.

Name

Castlegate Financial Management

Legal name

Castlegate Financial Management Limited

Website

https://casfin.co.uk

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

Castlegate Financial Management is a UK-based independent chartered financial advisory firm, founded 1994, delivering financial planning, investment, retirement, tax, and protection services to individuals, families, and employers nationwide through its network of chartered planners.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

Keywords

• Independent financial advice
• Financial planning services
• Retirement planning
• Investment management
• Wealth management advisory

Headquarters

HQ city

Grantham

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Planning Advisory Fees: Fees generated from providing personalized financial planning services including retirement planning, investment management, tax planning, and protection strategies. The firm operates as independent financial advisers offering advice from the whole of the market.
2. Investment Management Services: Ongoing management and administration of client investment portfolios, including ISAs, pensions, and general investment accounts.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Castlegate Financial Management is an independent chartered financial advisory firm providing whole-of-market financial planning, investment management, retirement planning, protection (insurance), tax planning, business solutions, cashflow forecasting, and trust services. Services are delivered on a consultative basis by chartered financial planners to individuals, families, employers and their teams across the UK.

Product overview

Castlegate Financial Management offers a unified suite of financial advisory services rather than a modular software platform. The company provides eight core service areas: Financial Planning (general financial planning and advisory), Investment Services (investment management and portfolio advisory), Retirement Planning (pension and retirement income planning), Protection Strategies (life and health insurance), Tax Planning, Business Solutions (corporate advisory), Cashflow Forecasting (detailed financial modeling and scenario analysis), and Trust Services (estate and trust management). These services are delivered through independent chartered financial planners and work together as an integrated financial advisory offering, with cashflow forecasting serving as a central component that connects various aspects of clients' financial plans through detailed long-term modeling.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Comprehensive financial planning services helping individuals and families understand their current financial position and create strategies to achieve their financial goals. Delivered by independent chartered financial planners.
• Investment Services Investment management and advisory services including portfolio construction, diversification strategies, and ongoing investment review for individual and family clients.
• Retirement Planning Pension and retirement planning services including pension contributions, drawdown strategies, and retirement income planning for individuals and families preparing for retirement.
• Protection Strategies Health and life insurance advisory services providing protection for families and businesses, including life assurance, income protection, and critical illness coverage.
• Tax Planning Tax planning services to help clients minimize tax liabilities and ensure tax planning works effectively alongside their broader financial situation.
• Business Solutions Financial planning services for businesses and employers, including employee benefits, business protection, and corporate financial advisory.
• Cashflow Forecasting Detailed long-term financial modelling services that map income and expected outgoings year by year, including scenario modelling for events such as loss of a partner.
• Trust Services Trust management and estate planning services to help clients secure their legacy and manage trust arrangements effectively.

Quantifiable outcome

• Clients have maintained 20+ year advisory relationships indicating high satisfaction and trust

Named customers6 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and minor.

• Duncan & Toplis GroupcoreStrategic or Co-development PartnerCastlegate Financial Management is part of the Duncan & Toplis Group, a professional services firm. This relationship provides Castlegate with the backing and resources of a larger established organization while maintaining its independent advisory identity.
• Kinbrook GroupminorStrategic or Co-development PartnerCastlegate is identified as part of Kinbrook Group in company branding. This appears to be the ultimate parent group for the Duncan & Toplis and Castlegate organizations.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Brewin Dolphin (RBC Wealth Management): UK wealth manager (now part of RBC) offering investment management and financial planning to private clients, charities, and intermediaries. Comparable to Castlegate in providing personalised investment and financial planning services to UK individuals and families, with a broader institutional footprint.
• Quilter: UK wealth management business providing financial advice, investment platforms, and discretionary portfolio management to UK consumers. Comparable to Castlegate as a UK-focused advice and wealth management business serving individuals and families with retirement and investment planning needs.
• Evelyn Partners: UK wealth management and professional services group (formed from the merger of Tilney and Smith & Williamson) providing financial planning, investment management, and tax services. Closely comparable to Castlegate because it combines wealth advisory with accounting/professional services cross-sell, similar to the Castlegate-Duncan & Toplis structure.
• St. James's Place: The largest UK wealth management group, providing advice-led investment and pension solutions via a national adviser network. Comparable to Castlegate as a UK financial advice business, but operating at vastly greater scale and as a national brand with proprietary funds.
• Rathbones Group: UK-listed wealth manager offering discretionary investment management and financial planning services to individuals, families, and charities. Comparable to Castlegate in delivering personalised financial planning and investment advisory to UK private clients, though at materially larger AUM scale.

Direct peers

• Charles Stanley: UK wealth manager providing discretionary and advisory investment management, financial planning, and retirement services to private clients. Comparable to Castlegate in the advice-led wealth management segment with similar recurring fee economics.
• Kingswood Group: UK wealth management and IFA consolidator offering financial planning, investment management, and protection services to private clients. Direct peer to Castlegate in the UK IFA segment with a similar acquisitive growth thesis and similar client base.
• Tilney (now part of Evelyn Partners): UK wealth manager providing financial planning, investment management, and tax services to private clients and intermediaries. Direct comparable to Castlegate in offering personal, advice-led financial planning across retirement, investments, and tax, prior to its merger into Evelyn Partners.
• AFH Financial Group: UK IFA consolidator providing financial planning, investment management, and protection services to individuals and businesses. Direct competitor to Castlegate in the UK independent advice market, and represents the consolidator model that may eventually absorb regional IFAs like Castlegate.

Emerging players

• Hargreaves Lansdown: UK investment and wealth management platform serving retail clients with ISAs, pensions, and fund/investment research. Adjacent peer to Castlegate as a UK private-wealth services provider, though operating as a low-cost direct platform rather than a personal adviser-led model — represents the disruptive threat Castlegate faces.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/casfin
• Facebookfacebook.com/profile.php?id=100067314458444
• LinkedInlinkedin.com/company/castlegate-financial-management

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Castlegate Financial Management