Financial Products and Services

WRAP Wealth Management

Standard Life WRAP

WRAP is an online wealth management service provided through Standard Life which helps clients to focus on their goals.

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At Chris Rowley Financial Services Ltd we offer you a holistic approach to your financial planning needs, taking into account your personal and financial goals at each stage in your life. Our range of client services includes the following:


Our services for pensions range from planning for your retirement to reviewing your existing provision and advising whether the latter can be improved to provide better returns.

Investments & Savings

We advise on tax-efficient investing for growth or income or a combination of both and recommend funds appropriate to investors with outlooks on the investment world that range from cautious to adventurous.

Estate Planning

We provide advice to help you reduce or eliminate the impact of Inheritance Tax on your estate; the will-writing service we offer is also often an integral part of this process.


Our financial protection advice is aimed at providing you with the peace of mind that comes with knowing that your loved ones will be financially secure in the event of your protracted sickness, critical illness or premature death; also we recommend and design protection plans including ‘keyperson’ and shareholder protection schemes for businesses.

Building and Contents Insurance

We can also provide you with buildings and contents insurance for your home. Quotations are free.


We can arrange mortgages via a third party intermediary if required.


Our firm offers different payment options for the use of our services, you can pay by fee, and you can pay by commission or by a combination of commission and fee.

Whichever option you choose, we will always offer an initial discussion without charge in order to gather and analyse the personal information about you – your finances, your needs and objectives.

Our firm will always keep you fully informed and treat you fairly at all stages of the advice process.

Further Information

For more information, please see:

PDF - requires Adobe Reader Chris Rowley – About our Services and Costs (PDF 64KB)

PDF - requires Adobe Reader Insurance Services (PDF 21KB)

PDF - requires Adobe Reader Chris Rowley – Client Agreement (PDF 87KB)


Where you have a complaint or dispute with us and we are unable to resolve this to your satisfaction, then we are obliged to offer you the Financial Ombudsman Service to help resolve this.  Please see the following link for further details: