Frances Whittingham

Helping to plan a secure financial future

Mapping out your goals is the first step to financial security

Having a clear understanding of what your financial priorities are and putting a plan in place to achieve your goals puts you in control of money matters. Financial advice can go a long way to provide peace of mind that you are addressing the needs of you and your family. Working with a professional is an important investment in your future to make sure you’ve got everything covered.

I specialise in the following advice services:

  • Lifetime Financial Planning
  • Pension & Retirement Planning
  • Investment & Wealth Management
  • Later Life & Estate Planning
  • Personal Protection
  • Business Protection Planning

Frances Whittingham, Independent Financial Adviser, Hartlepool

Abacus Associates

I have been in financial services for over 35 years, giving specific client advice for the last 24 years, and I have previously worked in both Corporate and Retail banking. This wealth of experience helps me to understand the needs and goals of my clients, which allows me to deliver a truly holistic approach to financial planning, tailored to their objectives; now and into the future.

I’m qualified to Chartered level in Later Life Planning and, whilst I specialise in giving advice in this area and to vulnerable clients, my advice covers all areas of wealth management; including investment planning, retirement planning, protection, long term care, inheritance tax and succession planning. I also work closely with other professionals, such as solicitors, accountants and other financial services specialists, to ensure that my clients receive the best ongoing advice available.

Every client has different needs and, with this in mind, I strongly believe that it is essential to build bespoke financial plans which are regularly reviewed, enabling me to provide a source of trusted advice to my clients as their financial requirements evolve over the years.

It is fundamental that I get to know my clients well – and they get to know me – so that we are able to work together and forge long-term relationships which are based on mutual trust and understanding.

An Integrated Approach to Financial Services

Below you can see what advice I specialise in. If there are additional services you require, Tavistock Investments provides support in other aspects of financial advice, and I can put you in touch with someone.

Our Independent Financial Advice process:


ISAs, Junior ISAs, other general investments to suit your needs


Mortgages, buy-to-let, other borrowing, cash management


Income protection, life insurance, critical illness, later-in-life


Pensions, trusts, equity release, wills, inheritance & estate planning.

My specific areas of expertise:

Investment & wealth management

Creating, growing, and then maintaining wealth is key to successful financial planning and should be part of a longer-term investment strategy.

Personal protection

Talking about illness, disability or death is never an easy conversation to have but protecting against the unexpected will help with financial security and ensure your family can cope should the worst happen.

Lifetime financial planning

If you have a Defined Benefit or Final Salary pension scheme, there may be individual circumstances where a pension transfer could be advantageous.

Later life & estate planning

We spend a lifetime building our wealth, so it’s important to find the most effective way to protect your assets, in order for you to pass them on to those you love as efficiently as possible.

Pensions & retirement planning

When you think about the future, what does your retirement look like to you? An important question which we can help you answer.

Business protection planning

The importance of business protection is often overlooked but is key to helping business owners plan for the unexpected.

First consultation at my cost

If you are ready to receive your first consultation at no expense, please click the button below, and you will be directed to a form called Getting Started. Provide as much information as you are comfortable to give, and I will contact you once I receive it.

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