Charlotte Gibbon
Independent Personal Financial Management Ltd
Minimum savings/pensions: Over £100,000
0330 038 8942
Based in Biggleswade
View locationTop Rated 2025
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedback
Verified since: December, 2020
4.8 out of 5
Checks carried out by VouchedFor
FCA Regulated
Charlotte and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 14 April 2025
Charlotte and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
17
Recent Client Reviews
Charlotte has received 17 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Charlotte has received 17 client reviews in the past 12 months; 100% of these have been verified
Independent Financial Adviser
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Last checked: 16 October 2024
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
15
Qualifications Uploaded
Charlotte has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
15 qualification certificates available to view
Charlotte has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Charlotte has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Charlotte has provided information on their typical fees
Charlotte has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
6
Positive First Impressions
67% of VouchedFor users have had a positive (4 or 5 star) first experience with Charlotte (based on 6 first impressions)
67% of users who are not yet clients had a positive first experience with Charlotte
67% of VouchedFor users have had a positive (4 or 5 star) first experience with Charlotte (based on 6 first impressions)
Checks carried out by VouchedFor
FCA Regulated
Charlotte and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 14 April 2025
Charlotte and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
17
Recent Client Reviews
Charlotte has received 17 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Charlotte has received 17 client reviews in the past 12 months; 100% of these have been verified
Independent Financial Adviser
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Last checked: 16 October 2024
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
15
Qualifications Uploaded
Charlotte has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
15 qualification certificates available to view
Charlotte has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Charlotte has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Charlotte has provided information on their typical fees
Charlotte has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
6
Positive First Impressions
67% of VouchedFor users have had a positive (4 or 5 star) first experience with Charlotte (based on 6 first impressions)
67% of users who are not yet clients had a positive first experience with Charlotte
67% of VouchedFor users have had a positive (4 or 5 star) first experience with Charlotte (based on 6 first impressions)
I have recently bought IPFM Ltd from my father, having worked there for 5 years. My father set the business up in 1987, building our firm based on firm values of honesty, integrity, accountability and professionalism. We focus on personalised solutions for our clients, reducing financial woes and working with our clients to achieve their financial aims. I specialise in investments, pensions both pre and post retirement and inheritance tax planning. I am a chartered financial planner. I have a diverse client base ranging from young professionals organising their first mortgages and pension to older clients enjoying their retirement and planning for inheritance tax. I also advise two companies on their group pension scheme and employee benefits. It is a great privilege and responsibility supporting clients through their financial journey and confidentiality is of upmost important to myself and all my employees. I believe the key to being a good adviser is of course technical knowledge but more importantly the ability to listen to what really matters to clients and the ability to work together to achieve these goals. My spare time tends to revolve around my family. We enjoy family holidays and days out to the theatre and theme parks. I am also a keen diver having achieve a PADI dive master qualification.
Offers available through VouchedFor
Contact Charlotte through VouchedFor and your initial 1 hour meeting or phone call will be free of charge. You can use this to discuss your situation and find out whether you feel they are a good match for you.
£430,000 Consumer Protection
Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).
About Charlotte's clients
Based on responses provided by clients who have reviewed this adviser
Clients' level of financial expertise
Household income
Mortgage value
Savings
Clients' level of financial expertise
No reviews matching your filter selections.
VouchedFor Disclaimer
Please Note: While VouchedFor.co.uk undertakes significant effort to ensure the information provided on this website is correct, it is your responsibility to confirm its accuracy with the adviser. Any decisions you take having spoken with the adviser must be made by you on the basis of your own investigations. Use of this website is subject to the website terms & conditions and privacy policy. Local rates apply from a BT Landline when calling 0845 numbers, costs from mobiles and other operators may vary.