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Welcome to Ermin Fosse Chartered Financial Planners

This is passionate, personalised and friendly financial planning.

Independent financial advisers and wealth management consultants are not an homogenous lot, but come in many styles. Based in Cirencester (with clients in Cheltenham, The Cotswolds and London), Ermin Fosse is the pragmatic, experienced, totally independent variety.

For more than 25 years we have been providing intelligent, well-respected financial planning and advice to people and businesses for investments and savings, retirement and pension planning, financial protection and estate planning and inheritance.


Why financial planning matters

Financial planning helps you determine your short and long-term financial goals and create a balanced plan to meet those goals, any of the following could affect your financial plan.

The Office for National Statistics forecast that around

Third of babies born in 2013

of babies born in 2013 will live to 100

Source: Office for National Statistics

A substantial proportion of those at retirement will live for

Living longer


Source: Government Actuary’s Department

In 2013, of 5,079 adults surveyed,

Adults lack money managment confidence

said they “lack confidence” when it comes to managing their money.

Source: Money Advice Service

Over 3 in 4 aged 18 to 65

Who are not actively saving into a pension were unaware that for

Not saving
Every 4 they invest
The government contributes another 1

Source: Actuarial Post

Just 35% of people said they understood income drawdown


which allows you to take sums out of your pension pot while the rest remains invested

Source: International Longevity Centre UK (ILC-UK)

The effect of inflation on a fixed income

Over 90s increased

Inflation of 2% every year for the next 25 years, a fixed income would fall by almost 40%

Source: Royal London

The numbers of people in England and Wales aged 60+ who are divorced more than trebled from 404,000 in 1991 to 1.3m by 2011.

Divorce trebled

Source: Office for National Statistics

In a survey of 2,000 people, just 16% felt that they adequately understood the impact of inflation on their pension.

Inflation pension

Source: Citywire Money

Over 65s doubling in number from 8m in 2001 to 16m by 2061.


Source: Age UK

Featured Knowledge Posts

Financial Planning Tips For Contractors

Self-employment is on the rise. According to the Office of National Statistics (ONS), the number of self-employed was over 4.8 million in 2017, an increase from the 3.3 million workers in 2001.

Read more

Daniel Boden

Chartered Financial Planner and Partner

Gifting to Reduce an Inheritance Tax Liability

You might recall Roy Jenkins’ now proverbial remark that Inheritance Tax is “a voluntary levy, paid by those who distrust their heirs more than they dislike the Inland Revenue." It’s a witty way of putting it and we recommend that clients bear its sentiment in mind when thinking about giving away money and assets.

Read more

James Hollway

Registered Adviser and Partner

What Happens to a Pension in a Divorce?

As financial planners, we explore what the financial impacts of divorce are on a financial plan and provide assistance in more complicated areas such as pensions. This article provides an overview of the different ways pension rights can be divided on divorce and some of the implications to the member and ex-spouse.

Read more

Daniel Boden

Chartered Financial Planner and Partner