CORNELL FINANCIAL LIMITED

What CORNELL FINANCIAL LIMITED does

Cornell Services Ltd, trading as Cornell and Company Financial Planning (also referenced as CORNELL FINANCIAL LIMITED), is a privately-held independent financial advisory firm registered in England and Wales (Companies House number 08792778), founded in 2014 and headquartered at 1 St Michael's Court, Brunswick Road, Gloucester. The firm operates as an appointed representative of Quilter Financial Services Limited, which is authorized and regulated by the Financial Conduct Authority under reference 440703. It serves individual clients and small/medium business owners primarily within the Gloucester and Gloucestershire region through a single office, with a headcount of 1-10 employees.

The firm delivers financial advice across eight core service areas: financial planning, savings and investments, pensions and retirement planning, wealth management, taxation, protection (life assurance, critical illness, income protection, private medical insurance), business protection (key person, share protection, directors' benefits, relevant life cover), and mortgage broking. There is no proprietary technology platform; the firm relies on standard advisory practices and a suite of nine third-party online calculators. Clients access their investment portfolios through integrations with eleven investment platforms including Transact, Novia, AJ Bell, Hargreaves Lansdown, Fidelity Funds Network, James Hay, Nucleus, Aviva, Aegon, Parmenion, and Sanlam, plus the Quilter Financial Planning Client Portal.

The firm follows a sales-led, relationship-based go-to-market model: clients are acquired through direct consultations, referrals, client testimonials displayed on the website, and modest digital marketing via the firm website, Facebook, Instagram, and email newsletters. Revenue is generated through professional advisory fees and commissions on financial products, mortgages, and protection policies, with no publicly disclosed pricing structure. The firm holds no subsidiaries, has no external investors, is not venture-backed, and operates exclusively in the domestic UK market.

Name

CORNELL FINANCIAL LIMITED

Legal name

Cornell Services Ltd

Website

https://cornellandcompany.co.uk

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Cornell Financial Limited (trading as Cornell and Company Financial Planning) is a small, UK-based independent financial advisory firm in Gloucester providing financial planning, investments, pensions, mortgages, protection, and taxation advice to individuals and small businesses across Gloucestershire as a Quilter appointed representative.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Loan Brokers (6163)

akta.pro primary industry

Independent Broker-Dealers (Retail Network) (FSAAAAAC)

Keywords

• Financial planning services
• Wealth management advice
• Pension and retirement planning
• Investment advisory services
• Protection insurance advice

Headquarters

HQ city

Gloucester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory and Planning Services: Revenue generated through financial advisory and planning services to individuals and businesses. Services include financial planning, investment advice, mortgage broking, protection/insurance advisory, pension planning, and tax planning. The firm operates as an appointed representative of Quilter Financial Services Limited.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Cornell Financial Limited, trading as Cornell and Company Financial Planning, is a UK-based independent financial advisory firm offering personalized financial planning, savings and investment advice, pensions and retirement planning, wealth management, taxation services, personal and business protection, and mortgage advice. The firm is based in Barnwood, Gloucester, and operates as an appointed representative of Quilter Financial Services Limited, providing FCA-regulated advice to individuals, families, and business owners.

Product overview

Cornell and Company Financial Planning is a financial advisory firm that operates as a unified advisory service rather than a modular software platform. The firm offers integrated financial planning services through eight core service areas: Financial Planning, Savings & Investments, Pensions & Retirement Planning, Wealth Management, Taxation, Protection, Business Protection, and Mortgages. These services are delivered through the firm's own advisers and are supported by parent company Quilter Financial Planning. The offering also includes a digital tool suite of financial calculators, and clients can access their investments through multiple third-party platforms integrated into the My Portfolio section. The services are primarily aimed at individual clients and businesses in the Gloucester and Gloucestershire area.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning A holistic financial planning service that reviews a client's overall financial position and produces a structured plan covering goals, cash flow, and prioritization of actions. Delivered by an FCA-regulated adviser to individuals and families in the Gloucester and South West UK area.
• Savings and Investments Advice on savings and investment products, including ISAs and other wrappers, sourced via the firm's appointed-representative relationship with Quilter to provide access to multiple provider products. Targeted at individuals and families seeking to grow capital or income.
• Pensions and Retirement Planning Advice on workplace and personal pensions, consolidation, retirement income options, and drawdown planning, with support from the Quilter platform. Targeted at individuals approaching or in retirement.
• Wealth Management Ongoing wealth management for higher-net-worth individuals and families, combining investment advice, portfolio management, and tax-efficient structuring through the Quilter platform. Targeted at clients with more complex or larger portfolios requiring ongoing oversight and reviews.
• Taxation Services Tax planning advice, including tax-efficient saving and investment wrappers, integrated with the firm's financial planning and wealth management services. Targeted at individuals and families seeking to optimize tax outcomes alongside their financial plan.
• Protection Services Personal protection advice covering life insurance, critical illness cover, income protection, and related policies sourced via the Quilter network. Targeted at individuals and families seeking to insure their income and family against unforeseen events.
• Business Protection Business protection insurance advice, including key-person cover, shareholder protection, and relevant life cover for business continuity. Targeted at small business owners and owner-managed SMEs in the Gloucester area.
• Mortgages Mortgage advice and arrangement for residential and remortgage borrowing, sourced via the Quilter appointed-representative network. Targeted at individuals and families purchasing property or refinancing existing mortgages.

Named customers2 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

Integration20 records

Partnerships

Two partnerships are on record, tiered core and supporting.

• Quilter Financial Services LimitedcoreStrategic or Co-development PartnerQuilter Financial Services Limited is the parent network firm. Cornell Services Ltd (trading as Cornell and Company Financial Planning) is an appointed representative of Quilter Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority (FCA reference 440703). Quilter provides compliance, regulatory framework, and access to financial products and services.
• Investment Platform ProviderssupportingTechnology or IntegrationPartnership with multiple investment platform providers for client portfolio management including Transact, Novia, AJ Bell, Hargreaves Lansdown, Fidelity Funds Network, James Hay, Nucleus, Aviva, Aegon, Parmenion, and Sanlam. These integrations allow clients to monitor their investments through the Quilter Financial Planning Client Portal.

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Quilter plc: Quilter is Cornell's parent network and one of the UK's leading wealth management businesses, offering financial planning through a national appointed-representative network as well as directly via Quilter Financial Planning. It operates the same FCA-regulated advisory model as Cornell but at significantly larger scale and with proprietary platforms.
• Evelyn Partners (formerly Tilney): Evelyn Partners is a major UK wealth management and professional services group offering financial planning, investment management, and tax advice to private clients and businesses. It competes with Cornell across most service lines but at much greater scale and with a broader geographic footprint.
• St. James's Place plc: St. James's Place is the UK's largest wealth management group with a large network of partner advisers offering financial planning, investments, pensions, and tax advice to retail clients. It is a broad incumbent serving similar individual and business clients as Cornell but at materially greater scale and through a restricted product model.
• Charles Stanley & Co. Charles Stanley is a UK wealth manager providing investment management, financial planning, and advisory services to private investors, charities, and intermediaries. It offers the same suite of services as Cornell (financial planning, investments, pensions, tax) at considerably greater scale and with a national footprint.
• Rathbones Group plc: Rathbones is a UK-listed wealth manager providing investment management, financial planning, and tax services to private clients, intermediaries, and charities. It offers the same core services as Cornell (financial planning, investments, pensions) but as a substantially larger, more diversified platform.

Direct peers

• Lighthouse Financial Advisers: Lighthouse is a UK national IFA network providing whole-of-market financial advice to individuals and businesses through appointed representatives. It is a direct peer to Cornell in terms of offering structure (multi-product advisory through an AR network) and target market (retail and SME clients across the UK).
• Wren Sterling Financial Group: Wren Sterling is a UK IFA consolidator and wealth manager acquiring and supporting regional advisory firms offering financial planning, investments, and protection services. It represents both a direct peer and a potential strategic acquirer of practices similar to Cornell in scale and client mix.
• Openwork UK: Openwork is one of the UK's largest IFA networks, supporting appointed representative advisers offering financial planning, investments, pensions, and protection products to retail clients. It is a direct peer to Cornell as both operate the same AR-based advisory distribution model serving similar client segments.
• Whitechurch Financial Services: Whitechurch is a UK IFA network supporting appointed representatives offering whole-of-market financial advice including investments, pensions, mortgages, and protection. It is a direct peer to Cornell in AR-network advisory model and target client base (individuals and small businesses).

Regional players

• Forbes Wealth Management: Forbes Wealth is a regional UK financial advice practice offering financial planning, investments, and retirement advice to individuals and businesses. It is a regional peer to Cornell, operating with similar scale and a comparable whole-of-market, face-to-face advisory model in specific UK geographies.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookm.facebook.com/cornellandco
• Instagraminstagram.com/cornell_and_company
• LinkedInlinkedin.com/company/cornellandcompany

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 CORNELL FINANCIAL LIMITED