Appleton Gerrard Private Wealth Management

Appleton Gerrard Private Wealth Management is an independent financial adviser (IFA) based in Manchester, specialising in financial planning and chartered wealth management. It is authorised and regulated by the Financial Conduct Authority (FCA). The company operates on a fee-based model with no commissions and has over 26 years of experience in private wealth management. Kusal Ariyawansa is a Chartered Financial Planner, Chartered Wealth Manager and Branch Principal. He holds the Certified Financial Planner (CFP) licence and graduated from the University of London’s Royal Holloway College in 1998 with an honours degree in Medical Biochemistry.

He started his own fee-based operation in 2003 and in 2005 was offered the chance to create an IFA division for a national network of mortgage brokers. He led the launch and implementation of The Times Inheritance Tax Service with the Times Newspaper Group. The company uses Lifetime Cash Flow Modelling and offers a choice of five different financial Strategies and three different financial Programmes. It provides advice to individuals, business owners and their businesses. Its main services are independent financial planning and chartered wealth management.

Consistency of advice and a long-standing relationship with a named adviser sit at the heart of the accounts left for this Manchester practice. Kusal is the adviser reviewers name throughout, and they describe a decade-long association in one case and several years in another, suggesting continuity rather than a single transaction. Several buyers describe his explanations as thorough yet free of complicated financial jargon, a point that comes up often when they discuss how a financial plan was put together.

Consolidating scattered finances into a straightforward portfolio is mentioned, alongside an investment strategy that reviewers regard as sound and which they say has produced strong returns. Availability matters too: clients note that he remains contactable by telephone when questions arise, and that the service has been maintained over time rather than fading after the initial meeting.

His manner draws repeated comment, with politeness, patience and careful listening singled out, together with a sense that clients' interests are placed first. Risks are said to be set out plainly at the outset and in later conversations. An exploratory meeting is recalled as professional and friendly, and the clear presentation of options is credited with giving clients confidence in the financial decisions they went on to take.