Josh Gardner

Josh Gardner

Christopher Little & Co

Minimum savings/pensions: Over £50,000

0330 038 8939
Based in Harrogate
View location

Top Rated 2025
Verified since: May, 2024

4.8 out of 5

18 reviews


Checks carried out by VouchedFor

  • FCA Regulated

    Last checked: 02 May 2025

    Josh and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority

  • 14

    Recent Client Reviews

    Verified reviews: 100%

    Josh has received 14 client reviews in the past 12 months; 100% of these have been verified

  • Restricted Financial Adviser

    Last checked: 01 May 2025

    When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.

  • Qualifications Uploaded

    Qualifications not yet added

    Josh has not yet added their qualifications to their profile

  • Transparent Fees

    Josh has provided information on their typical fees

    Josh has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below

  • 4

    Positive First Impressions

    100% of users who are not yet clients had a positive first experience with Josh

    100% of VouchedFor users have had a positive (4 or 5 star) first experience with Josh (based on 4 first impressions)

Checks carried out by VouchedFor

  • FCA Regulated

    Last checked: 02 May 2025

    Josh and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority

  • 14

    Recent Client Reviews

    Verified reviews: 100%

    Josh has received 14 client reviews in the past 12 months; 100% of these have been verified

  • Restricted Financial Adviser

    Last checked: 01 May 2025

    When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.

  • Qualifications Uploaded

    Qualifications not yet added

    Josh has not yet added their qualifications to their profile

  • Transparent Fees

    Josh has provided information on their typical fees

    Josh has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below

  • 4

    Positive First Impressions

    100% of users who are not yet clients had a positive first experience with Josh

    100% of VouchedFor users have had a positive (4 or 5 star) first experience with Josh (based on 4 first impressions)

I am a fully qualified financial planner at Christopher Little & Co. From my home in Nidderdale and offices in Otley, we help clients across Yorkshire, the Dales, and surrounding areas achieve and maintain their desired lifestyle. I aim to deliver financial peace of mind for clients at every stage of life, particularly in the retirement phase. The road to financial freedom starts with a great plan, personalised to you and your family. If you're after someone to simply sell you a product, I'm not the adviser for you. I'm all about understanding what 'perfect' looks like for you and your family, and then working together on a financial roadmap to make those dreams reality. Money is simply the tool to help you live the life you want. I deliver both remote and face-to-face holistic advice. From spouses to business owners, I aim to support my clients through life's financial journey. Although I work with families at all stages of life, the majority of my clients tend to be either approaching, or in, retirement and are looking for a comprehensive financial blueprint for their future. Whilst I deal with clients from all backgrounds, I work particularly well with those in the rural and agricultural community. I also deal with many clients in the consultancy and senior business professional change space, operating both inside and outside of IR35. It’s important to remember that money is just a tool to help you live the life you want. The life part is the important bit, and that’s what we focus on here at Christopher Little. *Given the heavily regulated environment that we operate in, I am legally obliged to provide all clients with their own bodyweight in terms & conditions documents and risk warnings. Please see below for a snappy example kindly provided by our compliance network... The value of investments can fall as well as rise. You might get back less than you invested. You should only consider these products if you are willing to take some risk with your capital. We will consider whether such products are suitable for you before recommending an investment **Inheritance Tax planning is not regulated by the Financial Conduct Authority.

£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).

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Adviser Disclaimer

Given the heavily regulated environment that we operate in, I am legally obliged to provide all clients with their own bodyweight in terms & conditions documents and risk warnings. Please see below for a snappy example kindly provided by our compliance network... The value of investments can fall as well as rise. You might get back less than you invested. You should only consider these products if you are willing to take some risk with your capital. We will consider whether such products are suitable for you before recommending an investment.