Joanna Grankin

“Working with Josh means I feel hugely more secure about my financial future.

Maureen Byrne

“Josh keeps everything simple; he doesn't use financial jargon.

Charles & Joanne Bloom

“We feel very safe and secure about our financial future knowing Josh is guiding us

Paul & Sandra Burns

“The Orchard Practice have given us the confidence that we can enjoy our retirement when the time comes

Sally Wilds

“Josh has made me feel much more positive about my future

Daniel Minsky

“My family's financial future is in safe hands with The Orchard Practice

Growing together

Award-winning financial planning for every stage of life

Who we are

We’re a family-owned team of financial planners and wealth managers based in Elstree & Borehamwood. Established in 1997, we use our experience and expertise to support our clients in achieving their financial and lifestyle goals.

Whether it’s help with retirement planning, mortgages, investments or business protection, when you work with us you’ll always have an expert at hand.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Meet our team

What we do

We provide financial planning and support for individuals and business owners, making sure both you and your finances are well looked after and working in your best interests.

We offer a wide range of services, from investment management and mortgage advice to life insurance and retirement planning. Whether you’re 37 or 73, we’re here to help.

What we do

Who we work with

We work with people who want to plan and protect their financial future. Whatever age you are, we can help you achieve your financial and lifestyle goals.

The Orchard Practice profile

Read our online reviews

Our clients regularly review us on Vouchedfor, the UK’s leading customer review site for financial planners. Click the VouchedFor badge to find out what they have to say.

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Joanna Grankin profile picture
Joanna Grankin
Google star 1Google star 2Google star 3Google star 4Google star 5
Josh and the team at Orchard are fantastic financial planners. I can't rate them highly enough.
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Bungle Cochrane profile picture
Bungle Cochrane
Google star 1Google star 2Google star 3Google star 4Google star 5
A reliable and trustworthy company. I have always found the staff to be very helpful, and more importantly, well-informed and competent.
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Paul Lobatto profile picture
Paul Lobatto
Google star 1Google star 2Google star 3Google star 4Google star 5
Extremely helpful and personable team always ready to listen and respond with thought and care to an individual needs, I would recommend them for all pension funding advice
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Denise Hatch profile picture
Denise Hatch
Google star 1Google star 2Google star 3Google star 4Google star 5
We have been with Orchard Practice for many years now, and can confidently say, that Joshua and his team provide a first class service and we would gladly recommend their services.
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Jane Wells profile picture
Jane Wells
Google star 1Google star 2Google star 3Google star 4Google star 5
Happy with advice given.
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Karen Palmery profile picture
Karen Palmery
Google star 1Google star 2Google star 3Google star 4Google star 5
Been using this company for many many years , for mortgages and pension plans and they are very good and very professional and you can rely on what they advise you .they are very approachable and are always there if you need to ask them anything .
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Stephen White profile picture
Stephen White
Google star 1Google star 2Google star 3Google star 4Google star 5
I am very happy with the services provided by Orchard Practice. I have been with practice for quite a few years now and find them very approachable and their advice and assistance to be sound. It is comforting, in these constantly changing financial times, to have a company like Orchard Practice, in particular Joshua, to help you navigate the financial climate and assist you in putting your financial planning in order, whilst taking account of your personal financial objectives and goals, whatever these may be. I would highly recommend the Orchard Practice and would suggest anyone looking for assistance and support on their financial planning journey consider using this company.
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Matt Bayford profile picture
Matt Bayford
Google star 1Google star 2Google star 3Google star 4Google star 5
Josh and team have been professional and helpful would highly recommend
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Deborah Leigh profile picture
Deborah Leigh
Google star 1Google star 2Google star 3Google star 4Google star 5
I have recently had an excellent experience with The Orchard Practise. They are always very professional and make it easy for us to understand what’s going on. They always give good advice on investment and savings options with full transparency. My family and I have used The Orchard Practise for other financial service and I would highly recommend them.
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Teresa Mehmet profile picture
Teresa Mehmet
Google star 1Google star 2Google star 3Google star 4Google star 5
I am incredibly grateful for the exceptional service provided by Josh, Ryan and Raj. Their expertise and dedication have been invaluable in managing my pension as well as my husband's and, more recently, assisting with my remortgaging needs. From the very beginning, Josh took the time to understand my financial goals and crafted a personalised strategy that has significantly improved my pension outlook. The advice was clear, insightful, and always in our best interest. When it came to remortgaging, the Orchard Practice once again demonstrated their outstanding skills. They navigated the complexities with ease, securing a fantastic deal that has greatly benefited my financial situation. I highly recommend Josh, Ryan and Raj to anyone seeking knowledgeable and trustworthy financial consultants. Their professionalism, attention to detail, and genuine care for their clients set them apart. Thank you, guys for your amazing work!

What our clients say

We ask for feedback – and we act on it. We’re always on the lookout for new ways to help our clients achieve the best life possible.

93%

of our financial planning clients would recommend us to others.

100%

of our mortgage clients would come back to us for their next mortgage.

Our awards

Finalist - Cover Excellence Awards 2025 - Outstanding Client Engagement
Shortlisted - MoneyAge Awards 2025 - Mortgage Adviser or Broker of the Year
Shortlisted - MoneyAge Awards 2025 - Micro Wealth Management Firm of the Year
Finalist - Cover Excellence Awards 2025 - Rising Star of the Year - Ryan Connolly
Finalist - Cover Excellence Awards 2025 - Protection Intermediary of the Year
Commended - Moneyfacts Awards 2025 - Mortgage Administrator of the Year – Chaya Warner
Financial Advisory Firm of the Year - Wealth and Asset Management Awards 2025
Finalist - UK Health and Protection Awards 2025 - Best Protection Adviser - Joshua Gerstler
Shortlisted - MoneyAge Awards 2025 - Financial Adviser Award Micro Firm of the Year
Small Intermediary of the Year - Finalist - Cover Excellence Awards 2026
Finalist - Personal Finance Society Awards 2025 - Protection Advice Specialist of the Year - Joshua Gerstler
Mortgage Introducer Awards 2025 - Broker Firm of the Year (Up to 10 Advisers)
Best Broker for Equity Release - Mortgage Strategy Awards 2026
Finalist - Best Mortgage & Protection Intermediary Awards - Protection Review Awards 2025
Best Adviser Website – Professional Adviser Awards 2026
Finalist - Investment Life & Pensions Moneyfacts Awards 2025 - Paraplanner of The Year
Finalist - Investment Life & Pensions Moneyfacts Awards 2025- Protection Adviser of The Year
Finalist - UK Health & Protection Awards - Best Individual Protection Advice Firm
Rising Star of the Year - Finalist - Cover Excellence Awards 2026
Finalist - Leader of the Year - PMI Pinnacle Awards 2026
Finalist - Family Business of the Year 2026
Shortlisted – MoneyFacts Awards - Paraplanner of the Year - Elliot Cload
VouchedFor - Top Rated Adviser 2026
Winner – Wealth & Asset Management Awards 2026 - Pensions Advisory Firm of the Year 2026
Shortlisted – MoneyFacts Awards - Mortgage Administrator of the Year
Shortlisted – Investment Life & Pensions Moneyfacts Awards - Paraplanner of the Year
Shortlisted – Investment Life & Pensions Moneyfacts Awards - Equity Release Adviser of the Year
Shortlisted – Investment Life & Pensions Moneyfacts Awards - Protection Adviser of the Year
Shortlisted – Investment Life & Pensions Moneyfacts Awards - Tax and Estate Planner of the Year
Finalist - UK Health & Protection Awards - Outstanding Newcomer Award
Finalist - UK Health & Protection Awards - Best Business Protection Advice Firm
Finalist - UK Health & Protection Awards - Best Small Protection Advice Firm
Finalist - UK Health and Protection Awards 2025 - Best Individual Protection Advice Firm
Finalist -Moneyfacts Awards 2025 - Mortgage Broker of The Year
MoneyAge - Wealth & Asset Management Awards 2025 - Financial Advisory Firm of the Year
Winner 2024/2025 - Personal Finance Society Mortgage and Protection Advice Specialist
Finalist - Moneyfacts Awards 2024 - Equity Release Adviser of the Year 2024
Finalist - Moneyfacts Awards 2024 - Investment Adviser of the Year 2024
Finalist - Moneyfacts Awards 2024 - Protection Adviser of the Year 2024
Finalist - Moneyfacts Awards 2024 - Retirement Adviser of the Year 2024
Finalist - Moneyfacts Awards 2024 - Tax and Estate Planner of the Year 2024
Shortlisted - Money Age Awards - Mortgage Adviser of Broker of the Year 2024
UK Health & Protection Awards 2023 - Best Protection Adviser
UK Health & Protection Awards 2023 - Best Small Protection Advice Firm
UK Health & Protection Awards 2023 - Best Individual Protection Advice Firm
Finalist - Moneyfacts Awards 2023 - Protection Adviser of the Year 2023
Finalist - Moneyfacts Awards 2023 - Tax and Estate Planner of the Year 2023
Finalist - Health & Protection Awards 2022 - Best Small Protection Advice Firm
Finalist - Health & Protection Awards 2022 - Best Protection Adviser
Finalist - Health & Protection Awards 2022 - Best Individual Protection Advice Firm
Finalist - Health & Protection Awards 2022 - Best High Net Worth Client Advice Firm
Finalist - Cover Excellence Awards 2022
Shortlisted - Mortgage Introducers Awards 2022 - Later Life Broker of the Year and Broker Firm of the Year
Excellence Awardees - Mortgage Introducers Awards 2022 - Later Life Broker of the Year
Excellence Awardees - Mortgage Introducers Awards 2022 - Broker Firm of the Year (Up to 10 Advisers)
Shortlisted - Money Marketing Awards - Best Protection Advice Firm 2022
Finalist - Moneyfacts – Tax and Estate Planner of the Year 2022
Finalist - Moneyfacts – Protection Adviser of the Year 2022
Highly Commended - Boring Money - 2021
Finalist - Professional Adviser New Talent Awards Administrator of the Year 2020
Finalist – Family Business of the Year 2021
Finalist - Moneyfacts – Tax and Estate Planner of the Year 2021
Finalist - Moneyfacts – Protection Adviser of the Year 2021
Finalist - Moneyfacts – Tax and Estate Planner of the Year 2020
Commended - Moneyfacts – Tax and Estate Planner of the Year 2019
Finalist - Moneyfacts – Protection Adviser of the Year 2019
Shortlisted - MoneyAge – Equity Release Broker of the Year 2021
MoneyAge - The Mortgage Awards 2021 – Best Buy-to-Let Broker
MoneyAge – Small Broker of the Year (Southern Regions) 2021 – Shortlisted
Shortlisted - MoneyAge – Best New Homes Broker of the Year 2021
Shortlisted - MoneyAge – Overall Broker of the Year (Southern Regions) 2021
Shortlisted - MoneyAge – Micro Firm of the Year 2020
Shortlisted - MoneyAge – Micro Wealth Management Firm of the Year 2020
Shortlisted - MoneyAge – Wealth Management Firm of the Year 2019
Shortlisted - MoneyAge – Mortgage Adviser or Mortgage Broker of the Year 2019
Shortlisted - MoneyAge – Micro Firm of the Year 2019
Shortlisted - MoneyAge – Best Mortgage Adviser 2019
VouchedFor Top Rated Adviser 2025
VouchedFor Top Rated Adviser 2024
VouchedFor Top Rated Adviser 2023
VouchedFor Top Rated Adviser 2022
VouchedFor Top Rated Adviser 2021
VouchedFor Top Rated Adviser 2020
VouchedFor Top Rated Adviser 2019
The Orchard Practice
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