Welcome to Ermin Fosse Financial Advisers

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

Approaching Retirement? Ways to boost your pension income

Some of life’s most important financial decisions are made in the run up to retirement. In most cases they can impact what standard of living you enjoy for the rest of your life. Recent pension flexibility legislation not only adds more choice and control to your retirement income, but also increases the complexity, leaving savers with plenty to consider.

Read more

Daniel Boden

Chartered Financial Planner

Annual Allowance Tapering for High Earners

If you have a total taxable income (including earnings, dividends, rental income etc.) of over £110,000 and are making pension contributions, you may want to check whether you’ll get caught by the new tapered annual allowance. Taking action now could prevent a tax charge.

Read more

Daniel Boden

Chartered Financial Planner

Inheritance Tax Planning: The Residence Nil-Rate Band (RNRB)

Inheritance tax (IHT) is one of the UK’s most detested taxes because, after working hard your entire life, the Government takes a final bite of your estate after you have gone. But IHT may also be considered a ‘voluntary’ tax, since the right financial planning can ensure your estate legitimately pays the minimum amount of tax possible.

Read more

Nigel Barthorp

Registered Adviser and Partner

Adviser Firm of the Year - SW