Charterhouse Portfolio Management Ltd

Independent Financial Adviser  Crockers Ash House, Monmouth, Monmouthshire, NP25 3DG
First meeting at adviser's own cost
Chartered Independent Financial Planner. Impartial, bespoke financial planning and wealth management.
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Traded endowment policies
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Buildings and contents
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Critical illness
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Healthcare
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Income protection insurance
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Life insurance
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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EEA
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Rest of world
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Commercial mortgages
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Corporate pension
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Employee benefits
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Group ISA
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Group private medical insurance
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Group risk
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Long term care
Response rating
9.0/10
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FCA authorised
Last authorised 24th February 2020
Meet our advisers
Tristan Renfree FPFS, DIP (PFS), Certs CII (MP & ER)
Chartered Financial Planner

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.

This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

This examination assesses a knowledge and understanding of financial protection plans.

This examination assesses a knowledge and understanding of investment products and the risks involved.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

At the end of this unit, candidates should be able to demonstrate an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.

At the end of this unit, candidates should be able to demonstrate an understanding of: how the economic environment and individual company performance affects investment performance and investment decision making; how risk is measured and managed; the main principles governing how to construct an investment portfolio; the range of investment management services, how their performance is evaluated and their regulatory environment.

To achieve the CertPFS (DM) and individual needs to pass 2 diploma units in Regulation and ethics and Discretionary Investment Management

At the end of this unit candidates should be able to analyse and apply financial information and portfolio management skills

Accreditations
Chartered Financial Planner
What our clients say
"This was my first time with Tristan – and any financial advisor for that matter for a number of years so my wife and I went in with some open objectives and a lack of knowledge – Help me understand if my money is in the right place, what I need to do to clear my mortgage by X and be able to retire by Y. Tristan was fantastic in explaining where we currently were, and what we need to do to achieve our goal, he wasn’t pushy or try to offer products that we didn’t want (always my fear on past experience with other advisor). Tristan stayed true to our goals and guided us exactly in what we needed to do, explaining it all clearly and taking a huge burden away from us in contacting organisations on our behalf, giving us advice on a few things we needed to do ourselves and documenting it all.”
Steve, Herefordshire
“Tristan was recommended to me by a friend. To put this in perspective, I have basic financial qualifications however I believe that pension advice requires specialist knowledge, which Tristan has – and some. He is happy to visit me at home at a time to suit me (which is a significant distance for him to travel) and as a working woman, that is a welcome time-saver. Tristan was happy to spend time providing as much detail as I needed, to ensure I understood the implications of my decisions; he also spent time to get to know me as an individual to ensure his recommendations were suitable for me. In terms of knowledge, Tristan demonstrated a thorough and extensive knowledge (and understanding) of pensions and was able to convey his message to me in a way I was / am able to understand. Most importantly, I have realised the benefit of his advice in real terms – by allowing Tristan to manage my existing pension investment, my pension assets have increased dramatically in 12 months. In this day and age, it’s extremely difficult to find people in the industry that have both knowledge, expertise and integrity. In Tristan Renfree, I have found all three. Having extensive experience of working in the financial sector, I am aware of the structure within branch networks and the knowledge levels you can expect to find. These advisors often have the minimum qualifications required to enable them to provide pensions advice and will generally have knowledge of their own products which can be quite prohibitive to what they are able to offer. The intricacies of pensions are intense, complex and mind-boggling; only someone who has studied this area extensively is able to provide meaningful advice on the subject. I have complete faith in Tristan and any costs incurred are outweighed by the profit I will enjoy in my retirement and the peace of mind I have knowing my money is safe in his hands.”
Diane, Vale of Glamorgan
“Tristan is a knowledgeable and a user friendly Financial Advisor with a very sound skill base and as a Family Solicitor I have worked with him dealing with clients with financial and pension issues following matrimonial disputes and I have always found him to be professional and reliable in his approach and dealing with clients who are usually in need of solid good financial advice. I have also used Tristan for my own personal finances and would have no hesitation in recommending him.”
Elaine, Monmouthshire
“Tristan spent time gathering information about our financial circumstances and our aspiration before explaining and advising us on a considered and tailored financial strategy that matches our means both and now and hopefully in the future. We are very happy with service he has given over the past few years. Thank you.”
Jake, Herefordshire
“Tristan was recommended to me by an old friend who like me had worked some 40 years in tough “blue collar” industries. We both tended to dislike financial “white collar” people who appeared to profit excessively for little effort and with other people’s money!!! That view has changed dramatically over the last 12 years with my investments averaging 8.8% (wish I had given him more !!!!).Tristan’s obvious knowledge, integrity, clarity of explanation, efficiency, politeness and good nature are a credit to his profession.”
Chris, outside of the UK
"Over a 17 year period Tristan has been faultless with myself and my wife. His advice regarding investments has secured our retirement. Always there at the end of a telephone if needed between his normal consultations. His knowledge of financial advice is unsurpassed that along with his easy to understand explanations made us feel at ease. His honesty and trustworthiness shine through. We have recommended him to friends and will continue to do so.”
Gary, Nr Cardiff
“Tristan provides a professional, confidential and friendly service. He is trustworthy and completely reliable. I felt he went the extra mile in making sure he understood my requirements and responded appropriately.”
Steve, Cardiff
“He is very clear and very thorough in his advice. He is friendly and approachable and takes time to understand the clients and then to look and explain a range of options which may suit. He reviews the portfolio at least annually and is happy to give advice in between when necessary.”
Laura, Torfaen
“I have known Tristan for 12 years and have been receiving financial advice from him for the last 10 years and would not hesitate to recommend him to family and friends. I find Tristan very easy to talk to, he is always readily available and never fails to return calls promptly. Tristan is patient and takes time to listen to what I want and has never failed to give me good advice on pensions, savings and investments tailoring them to suite my needs. He also explains things in a way which I find easy to understand!”
Hilary, Carmarthenshire
“I have known Tristan for 19 years and I have complete faith in the advice that he gives to us. His advice and actions have ensured that our financial position is as strong as it could possibly be and he continues to review it annually to ensure that our savings and pensions perform as best they can. Tristan is very efficient and undertakes any actions that he has promised promptly. He is friendly and approachable, explains clearly any recommended changes to our portfolio and any technical terms, visits us at home or at mutually convenient meeting places and I value his support and advice immensely. He remembers and takes an interest in our working and family circumstances and is a very welcome visitor to our home.”
Sue, Cardiff
“Tristan is responsive and knowledgeable. He was thorough in his reviews, made recommendations and researched areas that needed additional consideration. Tristan easy to work with and I would recommend him to others.”
Amy, Herefordshire
“Tristan takes a good look at your life and plans, and provides a concise and holistic set of recommendations. He is personable, bright and a joy to work with.”
Mark, Herefordshire
About us

Comprehensive, holistic, independent financial planning. We hold advanced qualifications in investment, pensions and taxation as well as the financial planning certificates, advanced financial planning diploma and further qualifications in mortgage practice, equity release, long term care, trusts and discretionary investment management.

Tristan Renfree has over 25 years financial planning experience, is a Chartered Financial Planner and a Fellow of the Personal Finance Society which is the highest qualification level within the Chartered Insurance Institutes framework.

We are impartial and independent in all aspects of personal and commercial finance.

Our services

Your circumstances dictate that a financial plan will invariably require tailoring to your specific objectives and aspirations – individual financial needs rarely fit with ‘off-the-peg’ advice.

Our advice process is based on obtaining an in depth understanding of your current arrangements, defining objectives, aspirations and ethical considerations, and then developing a comprehensive financial plan to meet these requirements.

Where to find us

Crockers Ash House, Whitchurch, Ross on Wye, Herefordshire, Ross-On-Wye, HR9 6DS

Preferred clients
Minimum wealth (income/assets)
£250,000
Minimum pension value
£250,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
9.0/10
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FCA authorised
Last authorised 24th February 2020

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