About Silver Birches Financial Planning

Silver Birches Financial Planning is a firm of financial planners providing advice to both individuals and businesses across the North West.

Based in Parbold, Lancashire. it was founded by father and son David and Ben Williams who share the same mindset that clients should be treated fairly in line with their evolving needs.

With our clients at the heart of everything we do, our financial planning service is built on transparency and trust, taking careful time to fully understand your objectives. We work with you to build a bespoke plan that will help achieve your long term financial goals by;

 personalising advice to suit your unique needs
 explaining complex issues in a way that’s easy to understand
 giving you friendly, local support whenever you need it
 providing ongoing help, personalised for you

  • £20m+

    Assets managed

  • 45+

    Years of experience

  • 100+


  • 3rd

    Generation of financial planners

Quilter Financial Planning

We are part of the Quilter Financial Planning Network who share the same values and beliefs about being clear and transparent with our clients. Quilter Financial Planning are one of the leading financial advice networks in the UK, with a strong track record of delivering great customer solutions.

Quilter Financial Planning supports over 1,300 appointed firms in the UK and is home to some of the fastest-growing, most progressive advisory firms in the UK.

Meet The Team

Ben Williams BSc (Hons) DipFA CertLTCP PETR AdvDipFA Chartered ALFBF

Founder, Chartered Associate of the LIBF & Financial Planner
07837 760122

Ben graduated from Sheffield Hallam University with a First Class Honours degree in IT with Business. Upon graduation Ben obtained his Diploma for Financial Advisers whilst working for a local firm. In 2019 Ben and David set up Silver Birches Financial Planning. Ben looks at all aspects of financial planning and with the aid of specialised software builds bespoke financial plans to meet specific needs and retirement objectives. As a Chartered Associate of the LIBF, Ben is highly qualified, experienced and committed to the highest professional and ethical standards.

David Williams DipFA

Founder & Financial Planner
07885 807085

David has been in Financial Services since 1982. After a successful career with Prudential in several roles in both an advisory and managerial capacity he was invited to join Positive Solutions in 2000. David decided to merge with his son Ben in 2019 forming Silver Birches Financial Planning Ltd creating a perfect combination of experience and expertise. Together they have earned the respect of many long well established clients who rely on their advice.

Silver Birches Financial Planning

It is important for us to build a solid financial plan that is flexible and achievable

Our Approach

It is important that our clients understand our approach to financial planning which is outlined below. Our objective is to take away the complexity and stress of pensions and investments, giving you a clear vision and clear plan to meet your life goals.
We understand that starting this journey can be overwhelming so we want to explain our process, how we work and how we can help you.



We agree a convenient time and place to meet. This meeting is to understand your current financial position, your goals and objectives and what you are trying to achieve. This meeting is also for you to understand Silver Birches Financial Planning and how we operate.



Following the initial meeting we will use the information gathered to analyse your current situation and develop a detailed financial plan which is in line with your objectives. We will take you through our analysis in detail ensuring you fully understand the method behind the recommendation.



Assuming you are happy with the recommendation, we will then ensure all the necessary paperwork is processed and the recommendations are implemented. We will provide you with all documentation and online access so you can review your investments at any time.



As part of our ongoing commitment we will ensure that your pensions and investments are regularly reviewed and that you are still on track to meet your long-term objectives. Changes in the economy, taxation or legislation may require refinements to your plan.

Silver Birches Financial Planning

We take a holistic approach to financial planning as most advice areas are interconnected

Financial Planning Services

Outlined below are the services we offer. Further details regarding our services can be found in ‘The Guide to Our Services’ brochure which can be opened as a PDF below.

Pensions and Investments

Pensions & Investments

Are you on track to achieving your retirement goals?

 Pension consolidation
 Pension drawdown
 Establishing a new pension
 ISA Consolidation
 Reviewing current portfolio
 Establishing a new investment

For the majority of individuals both pensions and investments form their retirement plans and it is our aim to build a plan that will allow you achieve your retirement objectives. Many individuals know what pensions and investments they have but do not understand how this forms their retirement. Silver Birches provide advice and choose products that meet our clients’ circumstances, needs and goals.

Financial Protection


Have you got the required protection in place in the event of accident / death?

 Level Term Assurance (Life Cover)
 Decreasing Term Assurance (Mortgage Protection)
 Critical Illness Protection
 Income Protection

Silver Birches understand the importance of putting the necessary insurance in place which gives clients the assurance they are protected during difficult times. Working with you, we are able to develop a personalised protection plan that will be regularly reviewed in line with your changing circumstances.

Corporate Financial Planning


Are you taking advantage of the benefits of being a Limited Company?

 Directors pension planning
 Business tax planning
 Lifestyle financial planning
 Directors / shareholder life insurance
 Corporate investments
 Company pension schemes

We work with various sized businesses throughout the UK and highlight the tax advantages of being a Limited Company. Working with company owners, we help build a bespoke retirement plan based on their long-term aspirations, ensuring income is taken tax efficiently. We also discuss the importance of business protection in the event of death or illness to a director or key member of staff.

Tax planning is not regulated by the Financial Conduct Authority.

Reviews & Testimonials

What do our valued clients have to say? Click on the below links to see our online reviews.
Please note: This will take you to an external webpage and Silver Birches is not responsible for any information outlined on the below links.

Silver Birches Reviews
Silver Birches Google Reviews

Complaints Procedure

If you are unhappy with our service or you have a complaint about your adviser, or any financial advice you have received from your adviser, please contact us:
Quilter Financial Planning Complaints Department
SR43 4JP
Email: QFPcomplaints@quilter.com
Tel: 0808 171 2626

You can find more information by visiting the Quilter Financial Planning website: http://www.quilterfinancialplanning.co.uk/contacts/

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (www.financial-ombudsman.org.uk)