Welcome to Thrive.
Your Cheshire based Independent Financial Planner
Financial advice that helps you — and your money — truly thrive
You’ve worked hard to build your career, business or investments. Now it’s time to make sure your pensions, wealth, and protection are working just as hard for you.
At Thrive Together Financial Planning, I provide clear, trusted advice to business owners, professionals and families with growing wealth — helping you simplify multiple pensions, reduce tax inefficiencies, and build the retirement lifestyle you deserve.
What makes me different? You’ll always deal with me, Rachel Edwards — not a faceless call centre. My approach is personal, approachable and designed around your life, not just your finances.
Financial Planning Services
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Inheritance
Helping You Keep What You’ve Built – Tax-efficient inheritance planning to make sure your wealth supports the people and causes you care about most.
Or Your Inheritance, Your Future – Protect what you’ve received and make it work for the life you want.
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Business owner services
Financial Planning for Business Owners in Cheshire
As the driving force behind your business, your personal finances matter as much as your business:Relevant Life Cover & Director Pensions – Protect your family and your retirement.
Tax-Efficient Wealth Extraction – Take profits without unnecessary tax.
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Pensions & Retirement planning
If you’ve built up multiple pensions over the years, we take a holistic approach to your retirement planning. We review each pension in detail to make sure it’s performing efficiently, aligned with your goals, and structured in a tax-smart way. Where needed, we help optimise your investments and manage your pensions so they work harder for your future, giving you confidence, clarity, and control over your retirement.
My Planning Approach.
Friendly & Approachable.
Rachel makes financial planning feel comfortable and welcoming, no matter where you’re starting from. She’s a supportive partner who listens to your needs and works at your pace, ensuring you feel confident every step of the way.
Simple & Tailored.
Rachel’s approach simplifies financial planning with clear, easy-to-understand advice. She creates customised plans that fit your unique goals—no one-size-fits-all solutions, just what works best for you.
"Rachel was excellent. Helped me understand what was right for me and talked me through all my options. It wasn't pushy but a friendly, warm approach.."
Client, Burton-on-Trent
What Clients are Saying.
"Thanks for everything Rachel, it's been such a pleasure having you there for us every step of the way. We were dreading it all, but you made it stress free and painless.."
Client, Cheshire
What do you want your future to look like?
Helping you shape your tomorrow
Whether it’s leaving a lasting legacy, travelling the world, or simply achieving financial peace of mind, every client has unique dreams and goals. We understand that your aspirations are as individual as you are.
“As your trusted wealth partner, I can’t predict the future, but we’ll make sure you’re ready for it.”
How does it work?
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Book in a call so we can find out more about you. There is no cost or obligation to work with us.
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If we are a good fit we will help you design a financial life plan around what you want to achieve.
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Put in the right solutions so you can implement your plan and start creating the future you really desire.
