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

New Model Adviser® Top 100 2020

We are delighted to make the New Model Adviser® Top 100 list for 2020 - for a third year running!

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Ermin Fosse


Market Review October 2021

September proved to be an interesting month, with a number of thought provoking developments prompting markets to retreat from their recent highs. Rising energy prices became a global concern, along with the ongoing fragile nature of supply chains, and a less accommodative tone from central banks caused both shares and government bonds to fall. Sentiment was further tested by developments in the Chinese property sector.

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Ermin Fosse


Your guide to the new Health and Social Care Levy

The government recently announced a rise in National Insurance rates, dubbed a “Health and Social Care Levy”. Despite a Conservative manifesto promise not to increase taxes, the economic impact of the coronavirus pandemic has also led to increases to Dividend Tax and the suspension of the State Pension triple lock. The National Insurance increase will come into force from April 2022. Keep reading for a guide to the levy and its potential impact.

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Ermin Fosse