Rossborough Financial Services

What Rossborough Financial Services does

Rossborough Financial Services Limited is a privately held independent financial adviser established in 1984 and headquartered in St. Helier, Jersey, with a secondary office in St Sampsons, Guernsey. The firm operates exclusively in the Channel Islands and is regulated by both the Jersey Financial Services Commission under the Financial Services (Jersey) Law 1998 and the Guernsey Financial Services Commission under two separate statutes covering insurance intermediation and investor protection.

The company delivers a unified suite of pensions, protection, investment, and retirement-planning services tailored specifically to Jersey and Guernsey residents and corporate employers. Its core products include the Rossborough Personal Retirement Plan and Guernsey Retirement Plan (proprietary, jurisdiction-specific pension wrappers with £150 minimum monthly contributions), workplace pensions (Occupational Retirement Plan), an individual and group protection portfolio covering Life, Critical Illness, and Income Protection, retirement income solutions (Guaranteed Income for Life, Flexible Income, Pension Drawdown, Take Cash), and the PERSPECTIVE investment advisory service offering managed-fund strategies with quarterly performance reporting. Underlying pension administration and member access are delivered via a partnership with Zurich International, whose ZIO mobile app and web platform allow members to track fund performance and projected values.

Revenue is generated through two principal streams: commissions received from insurance product providers on life, critical illness, income protection, and annuity arrangements (per disclosure in policy charging structures), and fee-based remuneration for pension and investment advisory, disclosed in advance to clients. The go-to-market is sales-led and relationship-driven, relying on direct face-to-face advisory consultations, referral networks among Channel Islands professionals, and a content-marketing presence via the company's website and educational downloads. The firm reports 12,000+ local pension members and 200+ corporate employer clients across the two islands.

Name

Rossborough Financial Services

Legal name

Rossborough Financial Services Limited

Website

https://rossboroughfinancial.co.uk

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

11–50 employees

Short description

Rossborough Financial Services is a privately held independent financial adviser founded in 1984, serving individuals and corporate employers in Jersey and Guernsey with pensions, protection insurance, investments, and retirement planning services.

Ownership category

akta.pro rank

Product category

Financial Advisory and Pension Services

NAICS

Portfolio Management and Investment Advice (523940), Health and Welfare Funds (525120)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Comprehensive/Full-Service RIAs & Independent Wealth Managers (FSAAACAA)

akta.pro secondary industries

Retirement Income Planning & Decumulation Advisory (FSAEABAD), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Financial advisory services
• Pension administration
• Protection insurance
• Retirement planning
• Investment management

Headquarters

HQ city

St. Helier

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from Insurance Products: For life insurance, critical illness, income protection cover and annuity arrangements, RFSL receives commission from the product provider of the policy arranged on behalf of clients. The detail of remuneration is included in the charging structure of the policy and shown in quotations provided.
2. Advisory Fees for Pension and Investment Arrangements: For pension and investment arrangements, RFSL is remunerated on a fee basis. Full details of fees and how these are paid are provided before entering into any arrangements. A one-off fee may be charged for advising on and setting up plans.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Rossborough Financial Services is an independent financial adviser providing pension administration, protection insurance, investment advisory, and retirement planning services to residents and corporate employers in Jersey and Guernsey. Its product suite includes personal and workplace pensions (including proprietary Rossborough Personal Retirement Plan and Guernsey Retirement Plan), individual and group life/critical illness/income protection cover, key person and shareholder business protection, retirement income solutions (annuities, flexible income, drawdown, take cash), and the PERSPECTIVE investment advisory service. The firm serves over 12,000 local pension members and 200+ employers across the Channel Islands.

Product overview

Rossborough Financial Services operates as a unified financial advisory firm offering an integrated portfolio of pension, protection, investment, and retirement planning products and services specifically designed for Jersey and Guernsey residents. The product suite centers on workplace and personal pension plans (Rossborough Personal Retirement Plan, Guernsey Retirement Plan, and Occupational Retirement Plans), a comprehensive protection portfolio covering individual and group life, critical illness, and income protection insurance, retirement income solutions including annuities, flexible income schemes, and pension drawdown options, plus the PERSPECTIVE investment advisory service. The company leverages the Zurich International platform for pension administration and provides integrated advice across all product lines to over 12,000 local pension members.

Differentiator

Problem solved

Functional benefit

Brands

• PERSPECTIVE: Investment strategies providing comprehensive investment advisory service with a range of managed funds covering world markets and asset classes.

Products and services

• Personal Life Cover Tailored life insurance that pays a lump sum to beneficiaries upon the policyholder's death, providing financial security for families.
• Critical Illness Cover Insurance that pays a lump sum upon diagnosis of a critical illness, covering mortgages, loans and providing financial support during treatment.
• Income Protection Cover Policy paying an income during extended illness or injury, covering most conditions that prevent working, with benefits payable until recovery.
• Group Life Cover Cost-effective employer-funded life insurance for groups of three or more employees, typically providing 2-4 times salary as a tax-free lump sum.
• Group Critical Illness Cover Group critical illness cover for three or more employees, with benefits paid directly to the employee on diagnosis.
• Group Income Protection Group income protection policy paying income to employees during extended illness or injury, typically 50-65% of salary, until return to work.
• Key Person Life Cover Business life insurance providing financial security upon death of a key employee, covering loans and financial liabilities.
• Key Person Critical Illness Cover Business protection plan paying a lump sum on diagnosis of critical illness for an insured key person.
• Shareholder or Partnership Protection Plan Life insurance ensuring surviving business owners retain control by providing funds to purchase shares from a deceased owner's estate.
• Jersey Workplace Pensions Workplace pension plans for Jersey businesses offering Group Personal Retirement Plan and Occupational Retirement Plan options.
• Rossborough Personal Retirement Plan Flexible, tax-efficient pension savings plan specifically designed for Jersey residents with £150 minimum monthly contributions.
• Guernsey Workplace Pensions Workplace pension plans for Guernsey businesses including the Guernsey Retirement Plan and Occupational Retirement Plan options.
• The Guernsey Retirement Plan Flexible, tax-efficient retirement savings plan for Guernsey residents offering online access, fund selection and flexible retirement options with a £150/month minimum regular contribution.
• Secondary Pensions (Guernsey) Assistance for Guernsey employers with enrolling staff into pensions to comply with new Guernsey States Secondary Pension laws.
• Jersey Guaranteed Income for Life Annuity providing guaranteed lifetime income for Jersey pension holders, with options for level or increasing payments and dependant benefits.
• Guernsey Guaranteed Income for Life Annuity providing guaranteed income for life for Guernsey pension holders, structured according to individual circumstances.
• Jersey Flexible Income Retirement Trust Scheme allowing flexible withdrawals from pension funds with a 30% tax-free lump sum option.
• Guernsey Flexible Income Retirement Annuity Trust offering flexible annual withdrawals from pension funds with the remaining balance staying invested.
• Jersey Pension Drawdown Pension Drawdown Contract allowing unrestricted withdrawals up to 100% of pension fund value from age 50.
• Retirement Planning Lifetime Financial Plan providing a personalised retirement roadmap capturing all financial assets with stress testing and goal setting.
• Jersey Take Cash Unrestricted Jersey pension fund withdrawal option with up to 100% access, including triviality claims from age 60.
• Guernsey Take Cash Pension withdrawal option allowing up to 100% access to pension fund with up to 30% tax-free lump sum.
• PERSPECTIVE Investment Strategies Comprehensive investment advisory service offering a range of managed fund strategies covering world markets and asset classes, with quarterly performance reporting and access to leading fund managers.

Quantifiable outcome

• 12,000+ local pension members served
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Zurich InternationalcoreTechnology or IntegrationZurich International provides the underlying platform and administrative infrastructure for pension plans administered by Rossborough Financial, including the Zurich International Life web-based platform and ZIO mobile app. Employees access their pension plans through this platform, which Rossborough Financial leverages for plan administration and member access.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Lloyds Bank International: Established offshore private banking and wealth advisory franchise in Jersey and Guernsey, competing for personal pension, protection, and investment clients (referenced as prior employer of RFSL Director Nicky Fagan and other team members).
• RBC Wealth Management (Channel Islands): Operates a Channel Islands wealth management business serving HNW clients with discretionary portfolio management, retirement, and inheritance planning — overlapping RFSL's core private client proposition.
• Canaccord Genuity Wealth Management: Operates a Channel Islands wealth management business providing discretionary investment management and financial planning to HNW individuals, directly comparable to RFSL's PERSPECTIVE service.
• Investec Wealth & Investment: Provides discretionary investment management, financial planning, and retirement advisory to UK and Channel Islands HNW clients, directly competing for the same advisory mandates RFSL serves.
• SG Kleinwort Hambros: Channel Islands-focused private bank and wealth manager offering investment advisory, pensions, and wealth planning to HNW clients in Jersey and Guernsey. Directly overlaps RFSL's PERSPECTIVE investment service and corporate benefits offering.
• Butterfield: Offshore banking and wealth management group with Channel Islands presence providing private banking, investment management, and pension services to HNW clients in similar jurisdictions to RFSL.
• Brooks Macdonald International: UK-based discretionary wealth manager with a significant Channel Islands presence (specifically referenced as a prior employer of RFSL's Senior Consultant Damian Wallen). Competes directly for HNW private client investment mandates and corporate pension advisory work in Jersey and Guernsey.

Regional players

• Skipton International: Channel Islands-headquartered bank offering savings, mortgages, and investment services to island residents; overlapping client demographic and locally regulated, though more retail-banking focused than RFSL's advisory model.

Broad incumbents

• Quilter Cheviot: UK discretionary wealth manager with HNW focus that also serves clients with international and offshore wealth needs; competes for the broader pool of UK-affluent HNW investors that RFSL's Jersey/Guernsey clients also access.

Emerging players

• Wealthify: UK digital wealth manager (B2C robo-advisor) targeting mass-affluent savers with low-cost discretionary portfolios. Represents the digital-first competitive threat to traditional advisory economics in the Channel Islands' mid-market segment.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/rossboroughfinancial

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Rossborough Financial Services