Daniel Minsky

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

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

Growing together

Award-winning financial planning for every stage of life

Who we are

We’re a family-owned team of financial planners 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.

Irene Deutsch
Irene Deutsch
I really trust the advice I get it is both friendly and professional. Josh is very approachable and easy to talk to. Above all the Orchard Practise has integrity.
Jane Seekings
Jane Seekings
Josh and the team are excellent at what they do! They listen, advise and support me in planning my retirement and make me feel secure about my financial future. I would thoroughly recommend them.
Robert Roskin
Robert Roskin
Josh and Andy at The Orchard Practice have been helping us with our house move and mortgage application. They’ve both been incredibly helpful and very responsive, giving us peace of mind about our mortgage application. Andy has kept estate agents and solicitors up to date without our asking which has helped things move along on the purchase really quickly. They’re also on top of mortgage protection matters and have scheduled a call to review these. This is our third purchase with Josh and each time has been seamless. Overall a very positive experience and highly recommended.
Excellent professional financial advice. Respond quickly to every email and always returned phone messages. They researched the market thoroughly on our behalf ending with a great result to our mortgage request.
Charles Simons
Charles Simons
The Orchard practice are professional and offer great advice and always there with excellent service from there Team .
Gavin Hayes
Gavin Hayes
We have been dealing with Malcolm, Joshua and the team for over a decade. They are always professional and have your best interests in mind. Always extremely sound financial advice - fantastic company.
katie-marie case
katie-marie case
As first time buyers we were understandably rather nervous about the process. Josh and his team at The Orchard Practice were not only responsive but they navigated us through every step of the process - easing any anxieties we had. I feel using a family run company meant that we received the same treatment as a family member would. I would definitely recommend The Orchard Practice to anyone looking for a mortgage. I know that we will continue to use them for any future financial advise we require.
David S
David S
Excellent prompt and professional service. Good value and obtained a very competitive mortgage for us.
Samuel Bernstein
Samuel Bernstein
Really good advise and planning, with follow up meetings to review any financial planning.

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.


of our financial planning clients would recommend us to others.


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

Our awards

Professional Adviser New Talent Awards Administrator of the Year 2020 – Finalists
Boring Money - 2021 Highly Commended
Family Wealth Report – Family Business of the Year 2021 – Finalist
Moneyfacts – Tax and Estate Planner of the Year 2021 – Finalists
Moneyfacts – Protection Adviser of the Year 2021 – Finalists
Moneyfacts – Tax and Estate Planner of the Year 2020 – Shortlisted
Moneyfacts – Tax and Estate Planner of the Year 2019 – Commended
Moneyfacts – Protection Adviser of the Year 2019 – Shortlisted
MoneyAge – Equity Release Broker of the Year 2021 – Shortlisted
MoneyAge The Mortgage Awards 2021 – Best Buy-to-Let Broker
MoneyAge – Small Broker of the Year (Southern Regions) 2021 – 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 – Shortlisted
VouchedFor Top Rated Adviser 2021
VouchedFor Top Rated Adviser 2020
VouchedFor Top Rated Adviser 2019