01
Retirement income planning
Producing a sustainable, tax-efficient income that lasts. We model your circumstances against long-life and sequencing-risk scenarios, write down the assumptions, and review annually as conditions change.
Established 1985
Your wealth, plainly explained.
A Cirencester practice for long-tenured clients, intergenerational families, and the careful planning that takes a lifetime to do well.
Book a conversation- Established
- 1985
- Forty years of practice
- Households
- ~120
- Long-tenured clients
- FCA reference
- 999999
- Independent, fee-only
- Office
- GL7
- Cirencester, Gloucs.
Independent financial advice Fee-only since 1985 Cirencester, Gloucestershire FCA 999999
Our practice
Forty years of careful advice for a small group of clients.
Riverstone Wealth, Cirencester.
For four decades, Riverstone Wealth has done one thing — the slow, careful work of helping a small group of families think clearly about money. We are not a sales firm. We do not run model portfolios that look the same for everyone. We sit with clients across a kitchen table, work through the numbers, and produce advice that holds up over years rather than quarters.
The practice was founded by Imogen Hartley in 1985 as a one-person actuarial-and-planning shop. It has stayed deliberately small. Most of our clients have been with us for more than a decade; some for thirty years. The work we do for them now is rarely about their first investment — it is about how their wealth passes to the next generation, how their retirement income holds against a long life, and how the structures we set up early continue to serve them as life changes.
We write everything down. We show our workings. We charge a clear, transparent fee that is unrelated to the assets we manage. We believe a good adviser leaves a paper trail their client can follow without needing the adviser in the room.
A small firm, by design. The data tells the story.
Year founded 1985 Owner-operated since
Client households ~120 Most with us > 10 yrs
Adviser ratio 1 : 40 Households per adviser
Annual reviews 100% Written, dated, archived
What we do
Six services, done well.
A short list, done well. Each piece below is work we have done weekly for forty years — not a wealth menu we cannot deliver on.
02
Investment management
Bespoke portfolios built around your goals, time horizons, and tax position. We invest in instruments we understand and can explain — predominantly index funds, gilts, and a small allocation to active strategies where they earn their cost.
03
Estate and legacy planning
How your wealth passes — to family, to spouses, to charity. Structured early, reviewed often. Wills, trusts, lifetime gifts, and the conversations with the next generation that make the planning hold up.
04
Inheritance tax planning
Active management of IHT exposure across the residence nil-rate band, business relief, gifts out of normal income, and pension structuring. Quantified, dated, and documented so the relief is defensible.
05
Intergenerational advice
Bringing your children into the conversation at the right time, on the right terms. We hold family meetings, prepare written summaries, and act as a continuity point across generations of advice.
06
Cashflow and goal modelling
A year-by-year picture of your wealth against your spending, your gifts, and your insurance against the unknowns. The model is the conversation; we update it together at each review.
In the practice's voice
A good plan is one you can read aloud to your children and have them understand it. If it does not pass that test, we have more work to do.Imogen Hartley · Founder · 1985 onwards
- Average client tenure
- 14 yrs
- across active households, 2026
- Two-generation clients
- 38%
- we now advise the children too
Get in touch
Book a conversation Start with a conversation.
One hour, in person or by video, with no obligation. We listen, we talk, and we tell you honestly whether we are the right firm to help.