Celebrating 15 Years at Chapters Financial Limited

02 October 2019

Chapters Financial (originally Churchouse Financial Planning Limited) opened its doors on a wet Monday morning on 04 October 2004. The new business had been around a year in the making, with every spare moment spent planning by its Directors, Keith Churchouse and Esther Dadswell.All aspects of the business had to be correct to ensure that the launch and planned projection forward were successful. As with most aspects of business life, if you don't get it right at the start, it can be difficult to correct later on.

Business ownership requires conviction in your proposition and after 20+ years within UK retail financial services, Keith Churchouse knew what he wanted to achieve as an alternative to the big, and sometimes faceless, corporates, and the work from home adviser alternative that can have its challenges.

The office opened in Alexandra Terrace in Guildford (now rebuilt as the Harbour Hotel), and the real work of delivering good quality private client and business propositions began, with Esther Dadswell leaving her engineering role in January 2005 to join the office.

A mentor to the business was Roger Churchouse who was a well-known and respected bank manager in and around Guildford in the 1970's and 1980's.Keith asked him to be ruthless with the business planning to ensure that the finances remained robust and in order at all times.

The business plan set for the first three years was meticulously monitored and met with all expectations and challenges, with the business moving to a fee based model in May 2006 and moving to its current larger premises in the High Street at the same time.

Clearly the Chapters Financial advice proposition offered by the company filled a need within the locality and across the South-East, and business growth was sustained during these early years, and during the long recession that hit the global economy from 2007, started by the 'Credit Crunch'. This in itself diversified our proposition as clients sought to manage their funds and objectives in a different way to the previous, more buoyant times.

Team numbers grew to around five and have stayed constant over the years. Although the levels of business have increased significantly over time, so has the capability of technology to help maintain and improve services to our clients. Indeed, of any profession or industry, the evolution of systems and computing power within financial services has been prolific and Esther Dadswell has been at the forefront of guiding the business in using these opportunities (and their security) to maximum effect, including the online proposition SaidSo.co.uk.

Continued education has been a priority for the team over the years, and we were proud to be one of the earliest achievers as a business of Chartered Status from the Chartered Insurance Institute in the summer of 2010.

We were proud to welcome our colleague, Vicky Fulcher, to the company in early 2014 and we were thrilled to join her into the business as an equity director in early 2019. Vicky adds greater strength to our advice capacity and we look forward to working with her into the future.

The last 15 years has been exciting, dynamic, challenging and overall, a fabulous experience. The desire to achieve at the start of the business remains unchanged all these years later and we continue to be proud of our proposition, which remains in high demand.

We would like to take this opportunity to thank our clients and contacts without whom we would not have flourished over the last 15 years.We look forward to the next 15 years with energy and anticipation!

No individual advice is provided during the course of this blog.

Keith Churchouse FPFS


CFP Chartered FCSI

Chartered Financial Planner

Chapters Financial Limited is authorised and regulated by the Financial Conduct Authority, number 402899.