# Amber River: Curating bespoke financial plans, with Life Landscaping®

> Life Landscaping® from Amber River, a new way of thinking about \& creating the life you’ve always dreamed of\. We go beyond financial advice\.

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## Pages
- [Who we are](https://amberriver.com/about/): \<strong\>Amber River is a group of like\-minded, values\-driven people with a passion for financial planning\</strong\>
- [Let's talk](https://amberriver.com/contact/): Our journey together starts with a conversation 
Book an introductory phone or video call to chat through what’s important to you
- [Privacy Policy](https://amberriver.com/privacy-policy/)
- [Find an adviser near you](https://amberriver.com/find-an-adviser/): Find Financial advisers nearest to you\. We’ll be adding new locations as we grow, as we’d like to be within convenient reach of anyone who needs our services\.

- [Offices](https://amberriver.com/offices/): We’ll be adding new offices as we grow, and we have ambitions to be within convenient reach of anyone who needs our independent financial planning and advice services\.


## Posts
- [Guest speakers announced for event](https://amberriver.com/amber-river-hda-news/guest-speakers-announced-for-event/): Guest speakers announced for Amber River HDA's Autumn Investment Event, offering a closer look at our Discretionary Investment Management service\.
- [It’s not what they do \(it’s the way that they do it\!\)](https://amberriver.com/amber-river-db-wood-news/its-not-what-they-do-its-the-way-that-they-do-it/)
- [What’s the best order to use my savings, ISAs, and pension in retirement?](https://amberriver.com/retirement-planning/best-order-to-use-savings-isas-pension-in-retirement/): Should you draw from your savings, ISAs or pension first in retirement? Discover how combining different income sources could help reduce tax and make your retirement savings last longer\.
- [How do I prepare my family to inherit my wealth?](https://amberriver.com/intergenerational-planning/how-do-i-prepare-my-family-to-inherit-my-wealth/): Preparing your family to inherit wealth involves more than writing a will\. Discover how conversations, shared understanding and involving your financial planner can help the next generation prepare for inheritance\.
- [Q3 2026 market summary: A challenging quarter for markets](https://amberriver.com/investment-planning/q3-2026-market-summary-a-challenging-quarter-for-markets/): Global markets faced a challenging third quarter of the year, and inflation continued to rise in several regions\. Find out what happened in our latest update\.

## Service
- [Money](https://amberriver.com/services/savings-and-investments/): Savings and investment planning that helps you set and achieve life goals
- [Employee benefits](https://amberriver.com/services/employee-benefits/): Insurance and pension plans that help you attract and retain talent
- [Legacy](https://amberriver.com/services/estate-and-succession-planning/): Opening up a world of opportunity for your kids and theirs
- [Retirement](https://amberriver.com/services/retirement/): When work stops, life continues\. With careful planning, we can make sure you enjoy a fulfilling retirement\.
- [Peace of mind](https://amberriver.com/services/insurance-and-protection/): Protection for you and those who rely on you

## Team Members
- [Andrea Owen](https://amberriver.com/the-team/andrea-owen/): Independent Financial Adviser
- [Gemma Underwood](https://amberriver.com/the-team/gemma-underwood/): Chartered Financial Planner
- [Martin Johnston](https://amberriver.com/the-team/martin-johnston/): Financial Planner, Director
- [Samuel Dearnley](https://amberriver.com/the-team/samuel-dearnley/): Independent Financial Planner
- [Nick Evans](https://amberriver.com/the-team/nick-evans/): Chartered Financial Planner

## Locations
- [Insch](https://amberriver.com/locations/financial-advisers-insch/): Our local IFAs in Insch can provide a range of financial advice including investments, pension advice and tax planning\. Speak to our Amber River Insch team today
- [Solihull](https://amberriver.com/locations/financial-advisers-solihull/): Our local IFAs in Solihull can provide a range of financial advice including investments, pension advice and tax planning\. Speak to our Amber River Solihull team today
- [Malvern](https://amberriver.com/locations/financial-advisers-malvern-worcestershire/): Our local IFAs in Malvern can provide a range of financial advice including investments, pension advice and tax planning\. Speak to our Amber River Malvern team today
- [Cheltenham](https://amberriver.com/locations/financial-advisers-cheltenham-gloucestershire/): Our local IFAs in Cheltenham can provide a range of financial advice including investments, pension advice and tax planning\. Speak to our Amber River Cheltenham team today
- [Bath](https://amberriver.com/locations/financial-advisers-bath/): Our local IFAs in Bath can provide a range of financial advice including investments, pension advice and tax planning\. Speak to our Amber River Bath team today

## Offices
- [Amber River C\&M](https://amberriver.com/offices/amber-river-cm-inverness/): Our Amber River C\&M team has offices in Inverness, Insch, Lossiemouth, and Dufftown, and includes Chartered Financial Planners who look after clients across Scotland and beyond\.
- [Amber River HDA](https://amberriver.com/offices/amber-river-hda-cirencester/): Our team at Amber River HDA has been advising clients across the picturesque counties of Worcestershire, Gloucestershire and surrounding areas since the 1980s\. We welcomed them to the Amber River Group in January 2022\.
- [Amber River True Bearing](https://amberriver.com/offices/amber-river-true-bearing/): Our Amber River True Bearing team includes Chartered Financial Planners who look after clients right across the North West, and beyond\. We welcomed them to the Amber River Group in 2020\.
- [Amber River True Bearing](https://amberriver.com/offices/amber-river-true-bearing-stoke/): Our Stoke Amber River True Bearing team includes Chartered Financial Planners who look after clients right across Stoke, the North West, and beyond\. We welcomed them to the Amber River Group in 2020\.
- [Amber River True Bearing](https://amberriver.com/offices/amber-river-true-bearing-altrincham/): Our Amber River True Bearing team includes Chartered Financial Planners who look after clients right across the North West, and beyond\. We welcomed them to the Amber River Group in 2020\.

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## Categories
- [Savings and Investments](https://amberriver.com/./savings-and-investments/)
- [Business Planning](https://amberriver.com/./business-planning/)
- [Mortgages](https://amberriver.com/./mortgages/)
- [West Midlands](https://amberriver.com/./west-midlands/)
- [London](https://amberriver.com/./london/)

## Offices
- [Edinburgh](https://amberriver.com/offices/edinburgh/)
- [Newark](https://amberriver.com/offices/newark/)
- [Lincoln](https://amberriver.com/offices/lincoln/)
- [Cheltenham](https://amberriver.com/offices/cheltenham/)

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- [Sitemap index](https://amberriver.com/wp-sitemap.xml)