Charlotte Gibbon

Charlotte Gibbon

Independent Personal Financial Management Ltd

Minimum savings/pensions: Over £100,000

0330 038 8942
Based in Biggleswade
View location
Top Rated 2026
Verified since: December, 2020
4.8 out of 5

122 reviews

Checks carried out by VouchedFor

  • FCA Regulated

    Last checked: 14 March 2026

    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

    Verified reviews: 100%

    Charlotte has received 17 client reviews in the past 12 months; 100% of these have been verified

  • Independent Financial Adviser

    Last checked: 10 December 2025

    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

    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 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 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.