You have spent a lifetime building wealth through your business, property, investments, or a career you have given everything to. You deserve financial advice that meets you where you are. Not a set of off-the-shelf products. A relationship.
At Old Mill, we are one of the leading Chartered Financial Planning firms in the South West, focusing on your outcomes and long-term decision support. Our wealth management services are designed for people with established wealth and financial complexity – often built through business ownership, property, or long careers – who want clarity, confidence, and a team working in their corner. Our advisers work alongside our accounting and tax specialists, so the advice you receive is genuinely joined up across investments, pensions, tax, and estate planning.
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Good financial planning starts with getting to know you: your current situation, your goals, and the lifestyle you want to protect. Our financial planners will always ask, how much do you really need to live on? When could you retire comfortably? What does your estate look like in twenty years?
We use detailed cashflow modelling to map out different financial scenarios and translate them into a plan you can live by. That plan draws on tax planning to ensure you hold and draw your wealth as efficiently as possible. And because life changes, so does the plan. Regular reviews mean it always reflects where you are, helping you make confident decisions as your circumstances evolve.
Our investment philosophy is guided by academic and empirical evidence rather than market noise. We structure portfolios in line with your attitude to risk, using a diversified mix of developed and emerging market equities, commercial property, and high-quality bonds, while keeping costs low.
We also take the behavioural side seriously. Many investors make costly decisions during periods of market volatility. Our disciplined approach, combined with ongoing expectation management, helps protect you from those decisions. You will always know what you hold, why you hold it, and how it is performing.
When you have worked hard to build financial security, protecting it is just as important as growing it. Our financial planners will review what you already have in place and identify any gaps that could leave you or your family exposed.
Life cover ensures that your partner and family remain financially secure in the event of your death, and that any existing cover you have is truly adequate for your current circumstances. If you are still working, we will also explore whether income protection is appropriate: covering your outgoings if illness or injury prevents you from working. Some of the most common claims relate to back injuries and stress-related conditions, both of which can arise without warning.
For some clients, critical illness cover is also worth considering, providing a lump sum payout in the event of a terminal diagnosis or a specified critical illness such as cancer. Whatever combination of cover is right for you, we recommend and put in place a policy that fits your life.
We approach this conversation with honesty and clarity. It is one of the most valuable ones you can have.
As you move into later life, financial planning often becomes less about growth and more about certainty, care and protecting your independence. Our later life and retirement planning services are delivered by SOLLA-accredited (Society of Later Life Advisers) Chartered Financial Planners, a specialist qualification that matters when the stakes are high.
We assess your financial resources, model your cashflow, and advise on how to structure your assets for the life ahead, drawing down from your pension efficiently, managing inheritance tax exposure, and planning how to pass wealth to the next generation. Where care costs are a consideration, whether at home, in residential care, or a nursing home, we put the right structures in place: immediate needs annuities, trusts, equity release, or a combination. Our SOLLA-accredited planners can also assist with Court of Protection matters if loss of mental capacity is a concern.
Adrian and Diana Gamble have worked with Old Mill for over 15 years. What began as an accounting relationship for Adrian’s business, Atlas Packaging, grew into a complete wealth management partnership, spanning investment management, pension fund oversight, retirement planning, and personal financial planning.
"Old Mill is a complete bolt-on to our lives. Their teams provide a myriad of helping hands whatever our financial need. We have great peace of mind and solace knowing that they are fully aware of all our financial commitments and provide sound advice."
Our wealth management services are designed for people who have accumulated meaningful assets and want expert, ongoing guidance to protect, structure, and grow them. That may be through planning a business exit, managing multiple income streams, approaching retirement, or thinking carefully about how wealth should support future generations.
We work best with clients who value a long-term relationship over a one-off transaction. People who want an adviser who knows their name, understands their history, and takes a genuine interest in what they are trying to achieve.
If you are looking for a quick fix or a single product recommendation, we may not be the right fit. But if you want a trusted team who will stay with you through every financial chapter of your life, we would love to talk.
Our offices are in Wiltshire (Chippenham), Devon (Exeter) and Somerset (Yeovil and Wells), but we work across the South West and beyond. The right financial decisions rarely happen in isolation. They start with a simple call.
Contact us today to arrange your first conversation.
