PRofessional advice

with a personal touch

Welcome to ACJ Financial Planning, where your financial goals take centre stage

With nearly two decades of combined industry experience, we’ve learned that exceptional financial advice begins with truly understanding you—your ambitions, your priorities, and your unique circumstances. Only by focusing on these, can we design financial plans and recommend solutions that align perfectly with your goals.

We’re proud to offer a comprehensive range of services, from retirement and investment advice to later-life and inheritance tax planning, coupled with our mortgage and protection advice, our approach is far more than transactional. It’s about building lasting relationships and providing lifelong support, adapting to your needs as they evolve.

  • The biggest change to inheritance tax in decades is coming. From April 2027, certain pension funds will be included in your estate for IHT purposes, potentially adding hundreds of thousands to your tax bill.

    Understanding the potential impact of Inheritance Tax can feel overwhelming, but planning ahead puts you in control. Our easy-to-use Inheritance Tax Calculator gives you a clear picture of what your estate could be liable for.

    Whether you’re simply curious about your current position or actively planning to pass wealth on to the next generation, this tool offers a helpful first step. It’s quick, confidential, and designed to give you meaningful insight in just a few minutes.

    Try the calculator today and start exploring ways to protect more of your estate for the people and causes that matter most to you.

The 2027 Pension Changes: What Families Must Know

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    The Best Financial Advice

    We used Chris at ACJ Financial and cannot recommend him enough. One of the first questions was about what we wanted to achieve, for us a life abroad having retired early was our dream . He dealt with our mortgage and organised our pensions, providing options of the best way to invest with forecasts of our future finances also allowing for the difference in taxation. Nothing was too much trouble and we always had full confidence in everything he did for us. We are now living our dream and in no uncertain terms it is only as a result of the help and advice we received from Chris at ACJ. If you are looking for financial advice we can’t recommend them highly enough.

    MR AND MRS H, WARWICKSHIRE

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    A Very Good Service and So Very Happy I Found ACJ

    After many years of worry around receiving financial advice after a series of bad outcomes and experiences I have found a safe home for my investments with Chris at ACJ. It's a journey and I feel looked after and kept in mind. Chris is professional and supportive and a pleasure to do business with. I trust him and this is vital for me. I look forward to many years of financial advice with Chris and his company.

    CHRIS L, LONDON

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    World Class Advice and Service

    We had a situation where all the advisers that we spoke to shied away from what was a challenging situation. Most knew that it would be hard work to find a solution to our remortgage situation. From our first interaction with Chris and the team we were told not to worry and they would find a solution.

    Chris - We can’t thank you and the team enough and I recommend everyone to speak to you as you are a true professional with natural people skills- something that is often lacking these days.

    MIKE M, WARWICKSHIRE

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    Excellent and Professional Service

    We would highly recommend using ACJ Financial Planning for all of your financial requirements; investment funds, mortgages, wills and insurances. Chris has been an exceptional help with all of the above for us & we wouldn’t go anywhere else. Chris is an expert in his field, knowledgeable, professional and always going the extra mile for his customers to make sure you have the best advice and rates at every opportunity.

    NIAMH J, LONDON

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    Experts in Retirement planning

    ACJ recently supported my and my wife in understanding our retirement options. Chris was very friendly, immediately put us at ease and produced a comprehensive retirement plan giving us the confidence to know that we could afford to retire on the income we expected. Highly recommend Chris to anybody who is approaching retirement. Their ongoing advice and regular updates since have been invaluable and I am sure we will be working together for a long time to come.

    MR & MRS K, WEST MIDLANDS

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    Excellent service

    Amazing service from ACJ. They helped me to understand my pensions in a simple language that I could understand. I now feel I have total control over my retirement, savings and other money matters.

    Nothing is too much bother and I feel I can talk to them about any doubts or issues I have. Thank you Chris.

    COLIN A, WARWICKSHIRE

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    Straightforward, Knowledgeable and Professional

    Chris has looked after us for a while now replacing a longstanding and reliable professional, who I had used for a very long time. Someone who I had total trust and confidence in, who decided to retire.

    Personal relationships, trust and confidence are so important in financial matters, so such a change can be daunting.

    Chris made the switch very easy, it quickly became apparent that he knows what he is doing, is professional, trustworthy and a thoroughly nice guy to boot. I couldn’t recommend him highly enough and from this sceptic that’s a big vote of confidence!

    MARTIN H, WEST MIDLANDS

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    Knowledgeable and professional. Fantastic service!

    Chris has been fantastic throughout his service Given myself and my partner were looking at our first home he has been nothing but helpful and professional the whole time. The amount of detail he provided totally put at ease and explained everything whenever we had questions. Nothing was ever too much trouble. Would highly recommend! Thank you for everything!!

    HANNAH J, WEST MIDLANDS

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    Great communicators, Concise advice, Reliable and Trustworthy

    Used for mortgage and pension planning. Very patient and happy to explore and explain situations, multiple times if necessary. Excellent communicator via telephone and email. Highly recommended.

    LESLEY M, WARWICKSHIRE

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    Amazing Service

    We used ACJ for finance guidance acquiring our first mortgage. Chris was always there for us. Amazing support and guidance throughout. Till last minute was guiding us and he was helping to find the best price.

    ATHANASIOS Z, WEST MIDLANDS

PROuD TO Support the ourjay foundation

OurJay Foundation aims to raise awareness of the importance of having 24/7 publicly accessible automated external defibrillators. They also aim to raise funds to purchase and install accessible defibrillators across Rugby, Warwickshire and further afield to get these vital accessible defibrillators into as many publicly accessible sites as possible.

We are proud to have selected the OurJay Foundation as our charity partner, and continue to raise as much as we can through our client referral schemes and events. Over the last 12 months, we hosted our second Annual Charity Quiz night in February 2025. Meanwhile, on 25th August 2025, Chris will be taking on a 80-mile charity cycle, visiting as many defibrillator locations as possible in a single day. We’re hoping to raise enough to fund at least one lifesaving defibrillator with any extra helping cover installation or support an additional unit. Every donation makes a difference. Our JustGiving Page is below:

Click Here to Donate

We aim to improve potential life-saving skills in the community, while raising additional funds for the charity to support the installation of as many of these life saving devices across our community.

Click the link below to learn more about the amazing work that the charity does in our local community.

Our Jay Foundation logo with stylized faces and the text "The world would be a better place if it was full of Jamies."
  • Interior of a pub with people sitting at tables, flags hung along a railing, and a fundraising poster on the wall. The poster includes a QR code and promotes the installation of accessible defibrillators by the OurJay Foundation. A mix of decorations, bottles, and gifts are on a table in the foreground.
  • A group of people sitting around a table with drinks, celebrating a charity quiz night. The graphic text reads: '2025 Charity Quiz Night. We raised a total of £765.00'. Sponsored by ACJ Financial Planning, OurJay Foundation, and The Bear.
  • CPR demonstration with mannequin, fundraiser announcement showing £398.91 raised, logos of ACJ Financial Planning, OurJay Foundation, and Back To It Personal Training.
  • People attend a CPR training class in a bright room with large windows. Several individuals are seated watching while an instructor demonstrates CPR techniques on mannequins placed on the floor. A water bottle is visible near one of the attendees.
  • Group of people sitting around a table at a charity quiz night with drinks and papers. The event raised £641.00. Logos include ACJ Financial Planning, Ourjay Foundation, and The Bear.
  • Two men standing in front of an outdoor defibrillator mounted on a brick wall, one wearing a pink shirt and blue pants, and the other in a blue tracksuit with 'ITALIA' on it.

We’d Love to hear from you

A conversation costs nothing. Our initial meeting is completely free of charge, giving you the chance to learn more about how we can help you with your financial goals and what services we offer.

If you have any questions or would like to discuss how we can assist you, please don’t hesitate to get in touch. You can use the contact form below, or call our office on 01788 648108 or info@acjfinancialplanning.co.uk