About Us

We are Independent Financial Advisers based in Guildford.  We specialise in Pension and Retirement Planning, Inheritance Tax Planning and Investment Planning.

Although only established in 2004, we have over 20 years previous experience in the financial services industry, dealing in a range of areas to provide you with a wealth of knowledge.  We have chosen to maintain an independent status to ensure that we can offer you a bespoke service, whether looking at new plans or reviewing your existing arrangements.

Keith Churchouse, director of Chapters Financial Limited, is an Fellow of the Personal Finance Society (FPFS), by examination, having gained 6 credits from the Chartered Insurance Institute (CII). Keith is also a Certified Financial Planner, Chartered Financial Planner and has a degree in Financial Services.

The Personal Finance Society is the largest membership body for individual financial advisers (and those in related roles) in the UK market.  Created following the merger of the Life Insurance Association (LIA) and Society of Financial Advisers (SoFA) in January 2005, the Personal Finance Society is a member of the CII Group and provides you with a wide range of benefits drawing on the strengths of both SoFA and the LIA.

As you will find with most financial planning there is never one answer to the needs of clients. In fact we often find that a combination of recommendations can be made to meet the bespoke needs of clients.

To make the right recommendation we will need to understand your present circumstances, i.e. where you’ve been, and just as importantly where you want to go with your objectives and aspirations.  This will include your attitude to investment risk and your ethical views on investment.  We can guide you to your financial objectives, and manage your expectations.  

If you like our service please tell your friends, family and colleagues.

If our service falls short of your requirements in any way we hope you will tell us so we can learn for the future.

We look forward to hearing from you soon, and hope you find this site of benefit.