01423 611004

Straight talking financial planning right for you, and only you.

Blending traditional advice with new tech for perfect planning.

We believe in helping you find and maintain financial freedom.

What level of advice do you need? Take our quiz & let’s find out.

Independent, chartered financial planners in Harrogate and Birkdale, Southport. Financial planning, pension planning and inheritance tax planning, in person or by video.

Book a free callTake our quiz
Line drawing of a man giving a thumbs up beside speech bubbles
Line drawing of a man with an idea
Line drawing of a person relaxing
Line drawing of a woman holding a checklist

Which advice level is best for you?

We believe financial planning should be for everyone. We achieve this with both traditional person-to-person interaction, and cutting-edge financial technology.

Take our short quiz to see our recommended advice level, or scroll below to choose yourself.

Take our quiz

Full advice

Traditional, face-to-face planning remains the bedrock of financial planning. This model is recommended for those with significant wealth or complex needs. Advice can be given in person, or by video call if preferred.

Hybrid advice

The hybrid model allows you to manage your finances with technology but also get professional advice when required. This means you only pay for the advice you need. Partial advice offers real freedom of choice.

Self-managed

Technology can put investment planning into your hands. Ideal if you don’t have complex needs. Self-managed services are available online or as an app. This model comes without the typical financial planning costs.

Three things we’re known for

Most clients come to us with one question. We answer it, then make sure the rest of the plan fits around it.

Line drawing of a woman reading a map with a dotted route to a flag

Financial planning

A plan for the life you want, built on cashflow modelling, independent investment advice and an annual review. Pensions, ISAs, protection and property in one place.

  • Cashflow modelling
  • Investment management
  • Protection and family planning
More about financial planning

Local pages: Financial planning in Harrogate in Southport

Line drawing of a relaxed man in a deckchair with a cup of tea and a suitcase beside him

Pension planning

When can you stop work, and what can you spend? We bring every pension into one plan, turn it into a reliable income and keep tax down along the way.

  • Retirement income and drawdown
  • Pension consolidation
  • Pensions and the 2027 changes
More about pension planning

Local pages: Pension planning in Harrogate in Southport

Line drawing of a grandmother and grandchild planting a young tree in front of a house

Inheritance tax planning

Pass on more of what you’ve built. Gifting, trusts, life cover, farm and business relief, and what pensions joining the estate from April 2027 means for you.

  • Lifetime gifting
  • Trusts and life cover
  • Farms and family businesses
More about inheritance tax planning

Local pages: Inheritance tax planning in Harrogate in Southport

Two offices, one way of working

Yorkshire based, UK wide. We look after everywhere within about 15 miles of each office, and clients across the country by video.

See every area we cover

What’s changing, and when

Five dates that shape pension and inheritance tax planning between now and 2031.

  1. Farm and business relief capped

    100% agricultural and business relief now applies to the first £2.5 million of qualifying assets per person (transferable between spouses). Above that, relief is 50%.

  2. Pensions enter the estate

    Most unused pension funds and death benefits count towards inheritance tax for deaths on or after this date. Death-in-service benefits are excluded.

  3. Minimum pension age rises to 57

    The earliest age most people can take money from a personal pension moves from 55 to 57. The State Pension age is also reaching 67 by 2028.

  4. Salary sacrifice capped

    Only the first £2,000 a year of pension contributions made by salary sacrifice will stay free of National Insurance.

  5. Allowance freeze ends

    The £325,000 nil-rate band, £175,000 residence nil-rate band and £2.5 million relief allowance are fixed until this date.

What would your family pay in inheritance tax?

Our free calculator shows the bill under today’s rules and after April 2027, when most unused pensions join the estate. It takes about a minute.

Try the calculatorRead the 2027 guide
Line drawing of a woman holding an hourglass beside a calendar

Explore more

The Apple Store at Haggs Farm, home of Seventy Financial Planning

Our story

Seventy is an ideal made manifest. Based on fairness and ethics in business, we believe in working for the benefit of you and your family. This is Seventy. Read our story.

Read our story
The Seventy team at work in the office

The Seventy team

Our team is truly client-focussed. Our mission is to use our expertise to deliver your financial future. To do so takes integrity and passion. This comes from our excellent people. Let’s meet some of them.

Meet the team

I have enlisted the help of two leading members of Seventy Financial Planning over the past few years – Chris Riley and Andrew Brierley. Both have been fantastic and relaxed in their friendly Yorkshire manner! In fact all of the team at Seventy are great. Highly recommended.

Fionn

Seventy brought real clarity to my personal situation, highlighting areas that need attention and which were performing well. I appreciated the genuine desire to understand my personal situation. The unhurried and professional approach made Seventy a pleasure to work with.

Client from Yorkshire

My wife and I first contacted Chris at Seventy some 10 years ago. We were very impressed with him and the advice we were given, and have been ever since. It is good to know that our finances are being taken care of by such a competent adviser and I would recommend Chris’s services to anyone.

Roy

The team at Seventy Financial Planning have provided my wife and I with invaluable expert advice and support over a number of years. Their services are very professional and first class. I would not hesitate to recommend them to anyone seeking independent financial advice.

Steve Bullen

Seventy has been a real lifesaver for us. Our investments with a previous firm were rapidly depleting. This would have resulted in severe difficulties for us. Seventy stabilised and grew our investments. That this was achieved in the difficult markets we are seeing is impressive.

Yasir Khan

Chris from Seventy sat with me and assessed my needs and how risk averse I am. He then provided me with a full review of findings and investment options. I am now in a better financial position than I would have been without his advice and I have been able to take early retirement.

Client from Merseyside
Our VouchedFor reviews
Line drawing of a happy woman surrounded by stars

Our client’s stories

Watch interviews with real people speaking about the experience of being a Seventy Financial Planning client. We value each and every one of our clients, and we’re proud that they chose us for their financial advice.

In this interview Dr Zaman speaks about his experience of Seventy Financial Planning.

Watch more videos

Guides for 2026/27

Inheritance tax on pensions from April 2027

Most unused pensions join the estate for deaths from 6 April 2027. What’s included, who pays, and what to do now.

Inheritance tax thresholds 2026/27

The nil-rate band, the residence nil-rate band, the £2 million taper and the gift exemptions, with examples.

Pension allowances 2026/27

Annual allowance, tapering, carry forward, tax-free cash, the State Pension and the dates that change by 2029.

Farm and business relief after April 2026

How the new allowance for 100% agricultural and business relief works, and what farming and business families should review.

All guides

Let’s Chat

You’ve learned a little about us, and now we’d like to know a little about you.

Let’s arrange a free, no-obligation call with one of our advisers.

Fill in the form and we’ll be in touch, or simply call us on 01423 611004.

HarrogateHaggs Road, Follifoot, Harrogate, North Yorkshire
BirkdaleBirkdale, Southport, Merseyside

Your contact details

Subscribe to our newsletter to receive all our latest insights

Subscribe