• Fellowship of the Personal Finance Society (FPFS)
  • Advanced Diploma in Financial Planning (APFS)
  • Diploma in Regulated Financial Planning (DipPFS)
  • Certificate in Financial Services ((Cert CII (Life and Pensions))
  • Certificate in Life and Pensions (CLP)
  • R01 – Financial Services Regulations and Ethics
  • R02 – Investment Principles and Risk
  • Certificate in Advance Mortgage Advice (Cert SMP)
  • R03 – Personal Taxation
  • R04 – Pensions and Retirement Planning
  • R05 – Financial Protection
  • R06 – Financial Planning Practice
  • R07 – Advanced Mortgage Advice
  • ER1 – Equity Release
  • CF6 – Mortgage Advice
  • AF5 – Financial Planning Process
  • CF1 – UK Financial Services, Regulation and Ethics
  • AF1 – Personal Tax and Trust Planning
  • FC1 – Financial Certificate
  • JO3 – The Tax and Legal Aspects of Business
  • AF8 – Retirement Income Planning
  • LP2 – Financial Services Products and Solutions
  • LP3 – Life and Pensions Principles and Practices
  • Certificate in Mortgage Advice (Cert CII (MP))
  • Certificate in Equity Release (Certs CII (MP & ER))

Chartered Financial Planner

Joshua Gerstler is a Chartered Financial Planner. Chartered status is awarded by the Chartered Insurance Institute (CII) and is considered the “gold standard” financial planning accreditation. Chartered status is a symbol of technical competence and signifies a public commitment to upholding professional standards and adhering to a professional Code of Ethics. Choosing a Chartered Financial Planner means you can be confident that you are dealing with one of the UK’s leading advisers who is wholly committed to providing you with the best possible advice, service and support.

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

Joshua Gerstler

Chartered Financial Planner

The service and advice we received from Joshua was not only perfect it was also delivered in a kind and considered manner. I would recommend the services of all at The Orchard Practice – it’s an exemplary company.”

JR February 2019


Reviews and Ratings for Financial adviser Joshua Gerstler, Watford

My role at The Orchard Practice

I started my professional career as a Chartered Accountant at Deloitte, which gave me a great starting point in understanding finances and accounts. I took this knowledge with me into financial planning and advice.

A typical day for me involves meeting new and existing clients to discuss and understand their situation and ensure everything we are doing is working towards their goals. I’ll then spend time creating and updating clients’ financial plans with the most up to date information we have.

Outside of work

I enjoy watching and playing football and spending time with my family and friends.

Getting to know you

What do you enjoy most about your job?

I enjoy the fact that everyone I look after is unique and has their own story to tell, and the fact that my clients trust me enough to open up to me so that I can give them the best advice for their circumstances.

I enjoy helping people achieve their dreams.

What would your specialist subject be on Mastermind?


Something people might be surprised to learn about you…

It took me five attempts to pass my driving test. Which is surprising as I am a very good driver.

What made you decide to do the work you’re currently doing?

I was a Chartered Accountant and found that it was too focused on the past rather than looking forwards.

I thought it would be rewarding to use my financial expertise to help real people achieve their real financial aspirations. And it is; I love what I do.

What one thing is guaranteed to make your day better?

A smile and a hug from my family.