Financial Fortress

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Financial Fortress Independent Financial Advisers in Chester, helping individuals, families and business owners with pensions, mortgages, investments, insurance and protection.

Clear, jargon-free advice you can trust. Initial FREE consultation. We are completely independent of any other company and not restricted in any way, meaning we advise on the whole of market and in any product area necessary, giving all our clients unrivalled choice, great value and best outcomes. This is our guarantee and will never change! Financial Fortress Ltd is authorised and regulated by the Financial Conduct Authority Reg no: 753489

Friday Fun: Why did the mortgage application go to school?...To improve its approval rating! We'll help make the mortgag...
16/10/2026

Friday Fun: Why did the mortgage application go to school?...

To improve its approval rating!

We'll help make the mortgage process as smooth as possible.

14/10/2026

Could you beat the clock?

We’ve been putting visitors to the test at Employee Benefits Live 2026 at ExCeL London with our Beat the Clock challenge!

The challenge sounds simple: count 10 seconds in your head and stop the clock exactly on 10.00 to win £10! 💷

Surely that’s easy enough? Think again!

We’ve had loads of people give it a go at the Financial Fortress stand over the two days, but not a single winner yet! And it’s not just the visitors struggling… everyone back in the office has had plenty of attempts too, with no luck!

Watch the video to see how this attempt went. Close!!

Just how hard can 10 seconds be?! ⏱️😆

Ask The Experts: "How do I know if I'm on track for retirement?"This question comes up all of the time, and there's no s...
14/10/2026

Ask The Experts: "How do I know if I'm on track for retirement?"

This question comes up all of the time, and there's no single figure that tells you the answer.

Your retirement position can depend on things such as:
Your pensions
Your savings and investments
Your housing costs
The income you may need
When you'd like to retire
The lifestyle you'd like to enjoy

That's why retirement planning is about more than simply checking your pension balance.

Looking at the bigger picture can help you understand what your current position could mean for your future plans.

And if you're not sure where to start, that's exactly the sort of question our advisers can help you explore.

What's your biggest retirement question?

Leave it in the comments and it could feature in a future Ask the Experts post.

If you have a question you need answering sooner give us a call on 01244 319962 we'd be happy to have a quick chat.

Your Business is Probably One of your Biggest AssetsBut what would happen if one of the people your business relies on s...
13/10/2026

Your Business is Probably One of your Biggest Assets

But what would happen if one of the people your business relies on suddenly couldn't work?

For many businesses, the impact could go far beyond the individual's salary.

There may be:
Employees relying on the business
Business loans or financial commitments
Key client relationships
Revenue that depends on particular people
A business that you've spent years building

Business protection is about considering what could happen if the unexpected affects the people or finances your business relies on.

It's not about expecting the worst, bur more about understanding the risks and considering what protection may be appropriate for your business.

If you're a business owner and you've never reviewed your business protection arrangements, it could be worth starting the conversation.

📞 01244 319962

We’re here! Employee Benefits Live 2026 starts tomorrow!The Financial Fortress team has arrived at ExCeL London and we’r...
12/10/2026

We’re here! Employee Benefits Live 2026 starts tomorrow!

The Financial Fortress team has arrived at ExCeL London and we’re busy getting everything ready for the next two days at Employee Benefits Live 2026.

We’re really looking forward to meeting lots of new people, catching up with existing connections and having some exciting conversations about financial wellbeing and employee benefits.

Over the next two days, we’ll be chatting about how businesses can:

✨ Support the financial wellbeing of their employees
✨ Give people access to financial education and support
✨ Review and improve their existing employee benefits
✨ Explore group benefit opportunities
✨ Understand potential tax efficiencies
✨ Give employees access to independent financial advice

We’re focused on financial wellbeing personalised for your people and we want to share some exciting new employee benefit partner offers.

📍 Come and find us at Stand 42!

And we've got a little challenge for you…
⏱️ Beat the Clock and we’ll give you £10 cash!

So if you're heading to Employee Benefits Live tomorrow or Wednesday, make sure you come and say hello. We'd love to meet you!

Two days. Lots of conversations. And hopefully plenty of new connections.

Monday Myth: "I've only got one pension."The Reality: You might be surprised!If you've changed employers throughout your...
12/10/2026

Monday Myth: "I've only got one pension."

The Reality: You might be surprised!

If you've changed employers throughout your career, there's a good chance you may have built up pension arrangements along the way.

And because pensions don't disappear when you leave a job, you could have old workplace pensions that you've simply lost track of.

It can be useful to understand:

👉🏿 Where your pensions are held
👉🏿 How much you've built up
👉🏿 How they're invested
👉🏿 What charges apply
👉🏿 How they fit into your wider retirement plans

And remember, having several pensions doesn't automatically mean they should all be combined.

Different pension arrangements can have different benefits, features and terms, so understanding what you already have is an important first step.

If you're not sure how many pensions you've accumulated over the years, you're certainly not alone!

Are Your Investments Still Right For You?Your financial circumstances don't stay the same forever.Your goals can change....
11/10/2026

Are Your Investments Still Right For You?

Your financial circumstances don't stay the same forever.
Your goals can change.
Your timescales can change.
Your attitude to risk can change.

And the things you wanted your money to achieve five or ten years ago might not be the same things you're working towards today.

That's why reviewing your investments from time to time can be worthwhile.

A review doesn't automatically mean changing everything.
It means stepping back and asking if what you have today still reflects where you are and where you're trying to get to.

If it's been a while since you reviewed your investments, we'd be happy to help you understand your options.

📞 01244 319962

The value of investments can fall as well as rise and you may get back less than you invest.

Friday Fun: What's the best thing about retirement?...No more Monday morning alarms! 😄A little planning today can help y...
09/10/2026

Friday Fun: What's the best thing about retirement?...

No more Monday morning alarms! 😄

A little planning today can help you enjoy tomorrow with confidence.

We’re heading to London!Next Tuesday and Wednesday, members of the Financial Fortress team will be heading down to ExCeL...
08/10/2026

We’re heading to London!

Next Tuesday and Wednesday, members of the Financial Fortress team will be heading down to ExCeL London for Employee Benefits Live 2026.

We’re looking forward to connecting with HR, reward and benefits professionals and sharing ideas around how businesses can better support the financial wellbeing of their employees.

We’ll be talking about things such as:

✨ Helping employees feel more confident about their finances
✨ Providing education and support around financial planning
✨ Reviewing existing employee benefits
✨ Exploring group benefit opportunities
✨ Understanding potential tax efficiencies
✨ Giving employees access to independent financial advice

We’ve also got our new Financial Wellbeing - Personalised For Your People guide ready to share, along with details of some exciting employee benefit partner offers we’re introducing.

If you’re heading to Employee Benefits Live, come and say hello, we’d love to meet you!

Pop by at Stand 42 and play our "Beat the Clock" game for a chance to win £10 cash!

And if you’re not attending but your business is currently looking at how you can improve your employee benefits or financial wellbeing offering, get in touch. We’d be happy to have a conversation about how we can help.

📞 01244 319962

Every client’s circumstances are different, and occasionally finding the right mortgage means looking a little harder, e...
08/10/2026

Every client’s circumstances are different, and occasionally finding the right mortgage means looking a little harder, exploring the options and understanding the full picture.

That was the case for this client, who came to Kieran with some particularly unique circumstances.

Kieran worked through the situation, sourced a suitable mortgage and supported the client throughout the process.

But what we love most about this review is that the relationship didn’t stop once the mortgage was arranged.

The client is now working with Kieran on their pensions too, making sure another important part of their financial picture gets the same level of care and attention.

As they put it:
“Absolutely brilliant service from Kieran, sourced me a mortgage under some very unique circumstances. Wayne and his team are amazing and I wouldn’t hesitate in recommending them or trusting them again with my mortgage and finances.”

Thank you for such lovely feedback and, most importantly, for trusting us with your mortgage and finances.

Whether you're trying to secure a mortgage in unusual circumstances, reviewing an existing pension or simply want to understand whether your finances are still
working for you, we're here to help.

📞 01244 319962

Address

Investment House, Bold Square
Chester
CH13LZ

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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