Financial Planning · Wealth Management
Your financial life, taken care of.
We bring every important financial decision together into one coordinated plan, put that plan into action, and remain by your side to help keep everything aligned as life evolves.
- FCA Regulated IFAFCA Regulated Independent Financial Adviser
- 10+ Years' Experience10+ Years' Experience
- Featured in the Financial TimesFeatured in the Financial Times
- 5★ Client Reviews5★ Client Reviews
Financial Times
Does this sound like you?
Most clients don't come because they're struggling with money. They come because they've built pensions, investments or property over many years, and want confidence they're making the right decisions before and throughout retirement.
Real answers need evidence. Evidence needs a process.
The right decision isn't always obvious. That's why we model different outcomes, explain the trade-offs, implement the agreed strategy and continue reviewing it as life changes.
Your whole financial life, in one plan
Your goals set the target. Everything you own and owe builds the starting point. Then we stress-test it against real life, so you see the consequences before making any decision.
Investment returns are not guaranteed. You may get back less than you originally invested. Illustrative example only. Not a projection of your finances or a personal recommendation.
And you get it in your hands. This stage ends with your Current Financial Model: a clear picture of your financial direction, written down and yours to keep.
The software performs the calculations. The value of advice lies in choosing appropriate assumptions, understanding the trade-offs and determining what action is suitable.
Actions designed to move you closer to your goals
The model shows where you are heading. Advice is what optimises it: specific and bespoke recommendations designed to improve your trajectory, based on historical data and well researched assumptions.
Historical data is not always indicative of what may happen in the future. When investing, the value of your assets could go down as well as up. Same starting point, same retirement age. Illustrative example only, not a projection of your finances or a personal recommendation.
Then we make it happen
Specific and bespoke recommendations designed to actually bring your new plan to life. Accounts, transfers, portfolios and paperwork handled end to end.
We do not begin with a favourite fund and try to fit you around it. We filter the whole fund market using independent research and ratings, then hold only what your plan needs. Ratings shown are examples of the independent research we draw on, not recommendations.
Whatever the plan needs, we action it
- If your old pensions are scattered, we consolidate them into one, where appropriate.
- If the portfolio doesn't match the plan, we restructure the investments.
- If money sits in the wrong wrappers, we move it into the right tax homes.
- If withdrawals are unstructured, we set the drawdown order.
- If your family isn't protected, we put the right cover in place.
We handle the paperwork, the transfers and the applications. Everything.
Delivered in writing, and always based on moving your plan forward.
Your account, in your pocket
Once implemented, you get access to your own platform account. See the plan working, whenever you like.
Illustrative demo account. Platform apps vary by provider.
A financial plan should change when your life changes
A retirement plan is out of date the moment it lands in your inbox. Markets change. Tax rules change. More to the point: you change, your priorities change. So we arrange a regular cadence of touchpoints, aligned with your goals, to keep the strategy in step with real life.
An illustrative year. Yours is shaped around your goals, your tax position and whatever life brings.
Clear fees before you commit
The same four stages, with the charges attached. Slide to your portfolio value and see exactly what each stage costs.
Fees are deducted from your investment or paid directly, and do not attract VAT. Both percentages are capped, however large the portfolio grows. Exact fees are always confirmed in writing before you commit.
Advice clients trust when the decisions matter
“Couldn’t recommend a better financial planning advisor. Chris’s help, advice and knowledge base was second to none.”
“Chris has been super helpful, always provided honest advice tailored to my situations. Highly recommend!”
“Chris has been fantastic throughout the process, clear and comprehensive advice and went over and above for us. Would highly recommend.”
“I’ve worked with Chris for over 6 years. Highly efficient, clear and open in all his communications, and always at the end of the phone. I trust him implicitly.”
A whole-of-market mortgage broker, inside your financial plan.
Your mortgage is usually your biggest outgoing, so it belongs inside the plan, not outside it. As a whole-of-market broker, we search the entire lender market and make sure your borrowing works with your retirement and tax planning, not against it.
Your home may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Whole of market
Access to lenders across the entire UK market: high street, specialist and everything between.
£400 fixed fee
One transparent fee regardless of loan size. No percentage charges, no surprises.
Residential & buy-to-let
First homes, moves, remortgages and investment property, all handled end-to-end.
Rate reviews built in
Ongoing clients get proactive rate reviews and product switches as deals expire.
“Chris made the mortgage process far less stressful and proved his expertise by securing me the best rate available. Skilled, dedicated and capable of delivering results.”
One adviser responsible for the complete relationship
I'm Chris Exley, founder and financial adviser at Caer IFA. I have spent ten years working in regulated financial planning, following earlier experience in legal advice and mortgage broking. I've been featured in the Financial Times and educated 100,000s of followers online.
I founded Caer IFA to provide independent financial planning and wealth management built around the decisions that matter to clients, not sales targets, house products or a standardised investment proposition.
Every client receives advice directly from me. I am supported by Cait, our client relationship manager, and an experienced compliance and paraplanning network based out of Basingstoke, allowing me to remain personally responsible for the relationship while maintaining a robust professional process.
- Independent and whole of market
- Advice delivered directly by Chris
- Evidence-led planning and investment process
- Direct access when important financial decisions arise
Start by working out what you actually need.
The first step is a short Clarity Call. We will discuss the decision you are trying to make and determine the most appropriate next step. That may be:
- ·The one-to-one financial assessment and advice process
- ·A mortgage conversation
- ·Or no action yet
15 minutes · No obligation · UK clients only