What RPG Chartered Financial Planners does

RPG Chartered Financial Planners is a UK independent financial planning firm established in 2000, trading as RPG Consulting Limited and authorised and regulated by the Financial Conduct Authority. The firm serves individuals and families, business owners/directors, and professional advisers (solicitors, accountants) through offices in St Asaph (North Wales), Manchester, and Central London. Its model is director-led: every client receives direct engagement from senior chartered planners rather than junior staff, and the firm deliberately limits growth to preserve this proposition. RPG was the first firm in Wales to achieve corporate Chartered status from the Chartered Insurance Institute, and all planners hold CISI Certified Financial Planner and/or Chartered Wealth Manager status.

The core offering comprises personal financial planning (retirement, investment, estate, protection planning), business financial planning (key person insurance, shareholder protection, group pensions, exit planning), and professional adviser services where RPG acts as the client's 'Personal Financial Director' alongside existing legal and accounting advice. The firm uses cashflow modelling technology for retirement planning and financial projections, applies a top-down investment philosophy executed through third-party discretionary fund managers, and operates an in-house Investment Committee (chaired by Director John Sangster) for oversight of asset allocation and fund selection.

Revenue is generated on a fee-for-service basis across five streams: initial financial planning fees, ongoing service fees (fixed or % of AUM), protection planning fees, one-off ad hoc advice, and implementation charges. The firm combines this with content marketing, monthly email bulletins, and professional adviser referrals; initial consultations are complimentary. Sister companies RPG Chartered Accountants and RPG Business Recovery provide adjacent tax and insolvency services within the broader RPG group.

Name

RPG Chartered Financial Planners

Legal name

RPG Consulting Limited

Website

https://rpgcfp.co.uk

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Short description

RPG Chartered Financial Planners is a UK-based independent chartered financial planning firm serving individuals, business owners, and professional advisers through offices in North Wales, Manchester, and London, with director-led financial planning, retirement, investment, and business protection services.

Ownership category

akta.pro rank

Product category

Financial Planning and Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Business Owner & Executive Financial Planning (FSAEAAAO), Estate & Legacy Planning Advisory (FSAEAAAG), Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD)

Keywords

• Financial planning services
• Wealth management
• Pension planning
• Investment management
• Business protection insurance

Headquarters

HQ city

Manchester

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, Others

Revenue model

1. Financial Planning Fees: Initial financial planning service including comprehensive review, analysis, research, recommendations report, face-to-face meeting, and implementation. Charged on a time cost basis agreed before work commences.
2. Ongoing Service Fees: Optional ongoing services including annual face-to-face or telephone review meetings, up-to-date valuations, portfolio reviews, cashflow modelling, implementation of changes, report delivery, access to client services team, and monthly email bulletins. Fees agreed on bespoke basis either as fixed costs or percentage of assets under management.
3. Protection Planning Fees: Initial meeting, goal agreement, policy review, research, solution identification, market analysis, recommendation discussion, application processing, and underwriting liaison. Charged on hourly rate basis. Commission from product providers can offset fees.
4. One-off/Ad hoc Advice: Specific piece of one-off advice for particular areas such as pension reviews or second opinions. Charged on time cost basis agreed before work commences.
5. Implementation Charges: Charges for confirming details, pre-populated forms, application checking, follow through, regular updates, collating information, and professional liaison. Same for each client type.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

RPG Chartered Financial Planners provides independent, chartered financial planning and wealth management services to individuals, families, business owners, and professional advisers across the UK. Core offerings include personal financial planning, business financial planning, investment management, protection planning (life assurance, key person insurance, shareholder protection), retirement and pension planning, and estate planning, supported by cashflow modelling technology.

Product overview

RPG Chartered Financial Planners operates as a single unified financial planning service rather than a modular platform. The core offering comprises personal financial planning for individuals, business financial planning for companies, and professional adviser services. These are supported by investment management with third-party fund manager oversight, cashflow modelling technology, and a suite of protection products including key person insurance, shareholder protection, and business Lasting Power of Attorney. The company also provides access to tax planning services through its sister company RPG Chartered Accountants.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Financial Planning Service
• Business Financial Planning
• Investment Management
• Key Person Insurance
• Shareholder Protection
• Business Lasting Power of Attorney
• Professional Adviser Services
• Ongoing Financial Planning Service

Quantifiable outcome

• Pension portfolio restructured to reduce risk and generate 6-8% average returns over 10-year period
• +2 more outcomes

Named customers10 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• RPG Chartered AccountantscoreStrategic or Co-development PartnerRPG Chartered Accountants is the sister company of RPG Chartered Financial Planners. Through this relationship, clients can access a comprehensive tax service to help protect their estate and coordinate financial planning with tax advice. This integration allows holistic service delivery covering both financial planning and tax planning needs.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Succession Wealth: UK IFA consolidator (private equity backed) acquiring independent advisory firms to provide financial planning to mass-affluent and HNW clients. Closely comparable to RPG's service offering; differs in being a buy-and-build platform versus a single organically grown boutique.
• AFH Financial Group: UK listed IFA consolidator with a national network of independent advisers delivering financial planning, investment, and protection advice to HNW individuals. Comparable to RPG in targeting HNW clients with holistic planning; differs in being a scaled, multi-adviser consolidator.
• Lighthouse Financial Advice: Independent UK financial advisory firm providing holistic financial planning for individuals and business owners, with Chartered status — very comparable to RPG in niche, scale, regulatory standing, and director-led service ethos.

Broad incumbents

• St. James's Place: UK's largest wealth manager with a partnership model of advisers serving HNW individuals with restricted investment solutions and integrated financial planning. Comparable target market; differs in being restricted / product-led rather than RPG's truly independent model.
• Brewin Dolphin (part of Evelyn Partners): UK wealth manager providing financial planning, investment management, and tax advice to private investors, professionals, and business owners. Highly comparable to RPG's holistic advisory model, including business owner segment, with comparable Charter-aligned independent status.
• Rathbones Group: UK-listed wealth manager with £100bn+ AUM offering investment management and financial planning to HNW individuals, charities, and intermediaries. Directly comparable to RPG's HNW wealth and financial planning offering, but at much greater scale with discretionary investment management done in-house.
• Charles Stanley: UK wealth manager with discretionary investment management and financial planning for private clients. Comparable to RPG's HNW wealth and planning offering; differs in having a larger platform and direct discretionary capability versus RPG's outsource-led investment committee approach.
• Tilney (now part of Evelyn Partners): UK wealth manager (now merged into Evelyn Partners) offering financial planning, investment management, tax and trust services to HNW clients and intermediaries. Comparable in holistic offering and HNW focus, but operating at materially greater scale across the UK.
• Quilter Financial Planning: UK wealth management group with a substantial restricted/independent advisory network. Comparable to RPG in core financial planning services; differs in being a large wrap-platform-led offering versus RPG's boutique, director-led, whole-of-market model.

Emerging players

• True Potential: Technology-enabled wealth management platform serving UK consumers with financial planning and investment services via partner advisers. Comparable client segment (mass-affluent to HNW); differs in being fintech-led, integrated-platform model versus RPG's traditional face-to-face advisory model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries2 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 RPG Chartered Financial Planners