Phillip Bates & Co Financial Services Ltd

Independent 5 Chester Road, Neston, Cheshire, CH64 9PA
First meeting at adviser's own cost
Response rating
9.0 /10
FCA verified
14th October 2019
Respected Chartered Financial Planners specialising in investments, tax planning and retirement. Incorporating "Your Retirement Adviser", a bespoke retirement advisory service.
We can advise you on
    • Annuity purchase
    • Auto enrolment
    • Pension consolidation
    • Pension drawdown
    • Pensions review
    • Pensions transfer
    • Buy to let
    • Equity release
    • High loan to value
    • Next home / Remortgaging
    • Self-employed mortgages
    • Wealth management
    • Ethical investments
    • ISAs
    • Investing for income
    • Investment trusts
    • OEICs
    • Socially responsible investments
    • Lump sum
    • Regular savings
    • Accident & sickness
    • Critical illness
    • Healthcare
    • Income protection insurance
    • Life insurance
    • Payment protection insurance
    • Capital gains tax
    • Estate planning
    • Income tax
    • Commercial mortgages
    • Employee benefits
    • Group pensions
    • Group protection
    • Long term care
Meet our advisers
Helen Brown DipPFS
At Retirement Adviser
Alan J Mellor APFS
Managing Director
Chartered Financial Planner
What our clients say
I had been looking at taking early retirement for several years, and had received some financial advice in this area approximately 2 years ago from another financial advisor. However the advice provided by them didn't really answer the questions I'd raised. From the offset Helen understood exactly what I was after, she explained the various options which were available to me. What was important to me was that she also explained the pros and cons of each of the various options. I felt confident in the advice she provided was 100% aimed at being the best option for me. I have been able to take early retirement in the knowledge that I am financially secure, something I very much doubt I'd have been able to do on my own. The entire process was in my eyes seamless.
Mr P Taverner, Higher Bebington, Wirral
I originally approached Helen by recommendation and I have been very pleased with the service she offered me. Helen assessed my requirements in considerable depth and then provided me with a very clear and comprehensive analysis of the various options that were available/relevant to me, She was able to make specific recommendations as to the most suitable solutions and was very prompt and efficient in answering any queries I had. Helen certainly provided me with a very thorough and efficient, but personal, service, and was always friendly and approachable,
Mr J Martin, Portstewart, Co. Antrim
Helen sorted through all my neglected paper work, contacted all relevant companies then we were shown all available options. My pension situation is now sorted and I am very happy with the outcome of Helen's services and she is still there for future advice.
Mr L Pickston, Neston, Cheshire
Helen helped me to resolve a very unusual and complex retirement issue. It involved having to deal with 3 institutions, none of whom seeming to know the answers to my issue, and throughout the process she demonstrated a quiet, professional determination to get it resolved. Helen was courteous and pleasant to deal with, and communicated very clearly, explaining at length the various options as they emerged.I can only recommend her very highly.
Mr A Campey, Petworth, Surrey
Where to find us

5 Chester Road, Neston, Cheshire, CH64 9PA

Make an enquiry
About us

We are Independent Financial Advisers and are proud to be Chartered Financial Planners.
As such, we are committed to the knowledge, qualifications and ethics of our professional body.

We have taken the time and trouble to increase our knowledge and professionalism to ensure we can meet thoroughly our clients needs and expectations.

We go the extra mile to exceed client expectations and commit to actively reviewing plans on a regular basis, thus maintaining successful long-term client relationships.

Time has been spent developing our expertise in several areas to make sure the advice we give is the best it can be and we have advanced qualifications and specialisms in the following areas:-

Pension and Retirement Planning
Investment Management
Trust and Estate Planning

We also have a bespoke 'At Retirement' advisory service, offering tailored advice for those approaching retirement and considering pension income options.

Increased pension flexibility now means an increased number of options at retirement including:

Lifetime Annuities
Investment Backed Annuities
Fixed Term Annuities
Flexi-Access Drawdown
Guaranteed Income Options
A combined approach

We are very proud to be an independent company who remain small enough to really care about our clients, offering a personal and friendly service which they really value.

Our services

We work with people in an approachable and friendly way to build a solution that suits each individual.

Our specialisms are the management of investment and retirement plans as well as building effective inheritance plans.

We have also developed a specialist service for "At Retirement" advice, which has now been running for over 6 years.

This is a bespoke advisory service for those approaching retirement and considering their retirement income options. This is now a very complex area and we are well experienced in presenting all options in a clear and friendly way and recommending a suitable solution.

Advice methods
  • phoneButton
  • icons
    Face to face
Preferred clients
Minimum wealth (income/assets)
Minimum pension value
Minimum mortgage value