Colin Bates

I’m the founder of Chapter3 Financial Planning, an independent financial advisory firm based in Manchester. We specialise in helping individuals and business owners achieve financial freedom and clarity. Chapter 1: Go to School Chapter 2: Go to Work Chapter 3: Live Life on Your Terms At Chapter3, we believe financial planning is about more than just numbers—it’s about enabling you to design a life where you’re free to do what truly matters to you. Whether that’s retiring early, selling your business, or having the financial confidence to enjoy your passions, we’re here to help you get there sooner than you think. How do we know it works? Because we’ve reached our own Chapter 3, and now we’re passionate about helping you do the same. How We Help You? Using a holistic, tailored approach, we help you: - Create and implement a personalised financial strategy to meet your goals. - Plan for retirement with clear, actionable pension and drawdown advice. - Grow and protect your investments with a focus on long-term success. - Navigate inheritance tax planning to preserve your wealth for loved ones. ------------------------------------------------------------------------------------------------------------ Specialist Services for Business Owners We understand that your business is at the heart of your financial life. That’s why we work with you to: - Collaborate with your accountant for forward-thinking tax planning. - Protect your business and family with business protection strategies. - Prepare for a successful business sale or exit strategy. - Maximise surplus funds through corporate investing. ------------------------------------------------------------------------------------------------------------ If you’re serious about taking control of your financial future and want a trusted partner to guide you, let’s start the conversation. Together, we’ll help you turn your hard work into a life of freedom and choice.