Financial Planning Services

Embrace Life’s Fullness with Bright Ideas Financial Planning

Bespoke financial planning and analysis services

As personal financial specialists, we develop, implement, and monitor bespoke long-term finance plans for individuals and their families. This includes business owners wishing to either exit or capitalise on their organisation.

Our approach is holistic, covering every base so that you receive only the most comprehensive service. For example, we provide personal investment planning, financial planning for businesses and retirement investment planning – all so you can maximise every aspect of your life.

And by working closely with our partners, we keep you one step ahead of the curve. The result? Peace of mind that your finances and investments are working towards your goals as efficiently as possible.

Ultimately, through our tax planning and investment advice, we give you the assurance to enjoy life to the fullest – both today and in the future. Now that’s a Bright Idea.

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Our Financial Planning Covers

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1. Lifestyle, self-employed retirement planning and investments

It’s vital to get expert advice on your investment and retirement planning, no matter what life stage you’re at. Need to set up or review existing retirement strategies for you and your team? Plan the lifestyle of yourself and your family? However you need us, our accounting professionals will help you amplify your retirement and financial planning opportunities.

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2. Tax, trust, and estate planning

You spend your life working hard to build your wealth. And the last thing you want is for your family to lose a large proportion of your estate to a hefty Inheritance Tax bill. Bright Ideas Financial Planning considers all tax implications, creating a structured plan to minimise Inheritance Tax while maintaining flexibility and asset control.

We can advise on:

Inheritance Tax planning
Gift and loan arrangements
Trusts (such as spousal bypass, family protection and discounted gift trusts)
Gift rules (including potentially exempt transfers and chargeable lifetime transfers)

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3. Personal protection

We understand that this may be a difficult conversation to have, but personal protection for both you and your family can be a crucial safety net. Our team are specialists in this area and can provide personal finance advice and bespoke plans. These will be a key source of support for a range of challenging circumstances and unexpected eventualities.

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4. Business protection

Without your people, you risk your company’s survival. Our fresh approach to business protection will help safeguard you, your team, and the organisation you’ve worked so hard to build. In partnership with our providers, we’ll recommend the most effective product mix for your specific business.

Simon Chapman

Financial Advisor at Cheetham Jackson

Take advantage of our investment and wealth management services, and we’ll connect you to Simon Chapman. With over 30 years’ experience, your financial matters will be in safe hands.

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Cheetham Jackson

Bright Ideas Financial Planning is a trading style of Cheetham Jackson JV LLP, an appointed representative of Cheetham Jackson Limited, which is regulated by the Financial Conduct Authority.

The Financial Ombudsman Service is available to handle individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service, please visit www.financial-ombudsman.org.uk.

Ready to join us?

Whether you’re a contractor, freelancer, or small business, Bright Ideas can help remove the burden of time-consuming and complex finances. We’ll draw on our years of knowledge and experience earned helping sole traders just like you.

When you choose us, you’ll be assigned a dedicated Account Manager who’ll provide one-on-one support that’s customised to your business. Communication is key, so we’ll always answer your questions or requests as soon as we can. In fact, we offer a same-day response guarantee for emails and calls received before 3pm.