Charlotte Elgar

I provide lifestyle financial planning advice, and help my clients make confident, well-informed decisions about their financial future.

Focussing on the financial plan as a starting point, and maintaining investment independence, is key to help my clients focus on what’s important. Using Partners Wealth Management’s Five Steps to Financial Freedom, I give my clients the choice to consider other freedoms that matter in life – freedom of purpose, time, and relationships. What matters most is building a long-term, trusted relationship in a financial world which may feel overwhelming.

My career spans over 23 years in independent financial planning practices, including experience within a private bank and a top 10 accountancy practice, advising individuals, businesses, charities, and trusts. I advise in all key areas of financial planning, which include:

• Retirement planning and pension analysis
• Investment strategy
• Life cover and protection
• Inheritance tax and estate planning
• Tax planning and tax optimisation
• Cash management
• Lifetime modelling and cashflow planning

I am a Chartered Financial Planner and Fellow of the Personal Finance Society (PFS), reflecting my commitment to excellence, integrity, and ongoing professional development. I am also an Affiliate Member of the Society of Trust and Estate Practitioners (STEP), strengthening my expertise in trust and estate planning, particularly for clients with more complex needs.

I live in South London and enjoy travelling. In my spare time, I sing in a local choir and sit on the board of trustees for Age UK Croydon.