Cervello Financial Planning

Independent Financial Adviser  Rainham Library 6, Rainham, Greater london, RM13 9GP
First meeting at adviser's own cost
Chris and the team at Cervello helps clients like you sleep better at night. We do this by making sure you have a financial planning professional working hard managing your wealth and more importantly supporting the achievement of your financial goals.
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Wealth management
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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Accident & sickness
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Critical illness
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Healthcare
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Income protection insurance
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Life insurance
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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Corporate pension
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Employee benefits
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Group ISA
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Group private medical insurance
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Group risk
Response rating
9.0/10
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FCA authorised
Last authorised 10th August 2020
Meet our advisers
Christopher Daems DIP PFS
Financial Planner

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This examination assessed the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

At the end of this unit, candidates should be able to demonstrate their ability to apply and evaluate the supervision principles and practices in a retail financial services business

What our clients say
Cervello Financial PLanning provided me with professional and expert advice, and having got to know my individual requirements, arranged a bespoke solution to protect myself and my family’s financial well-being. I would highly recommend his services.
Dan Evans, Director LFC Evans Insurance, Essex
Chris is thorough in his research, and explains financial terms in a manner which is understandable by all. He also has an approachable and friendly demeanour which means that dealing with Chris is a pleasure and not a chore.
Sophie Ishmail, Solicitor, London
Chris is a very special sort of chap – not only an expert in his field and a top adviser and businessman, but also a pleasure to be around. He is enthusiastic, hardworking and always thinking of others.
Jane Maylon, London
Chris is an excellent IFA and conducts his practice with professionalism, patience and honesty. His clients are given clear explanations of the products recommended and the related fees and management charges. His presentation skills are impressive, and delivered with a confidence borne out of sound technical knowledge and a natural reassuring manner.
Martin Engleman, Essex
I would not hesitate to recommend Chris as a financial adviser. He didn’t push his ideas on to me, listened carefully and checked several times I was happy with his suggestions before setting up my new portfolio.
John Cook, London
The advice that I have received from the team at Cervello has assisted me making the most out of my investments. Their explanations of the various risk levels and what they mean in real terms helped me to find the right portfolio for me, protecting what I need to and taking a more adventurous approach where justified.
A Grey, Essex
Chris has been able to provide me simple and effective advice about the tricky subject of financial services, most recently on automatic enrolment. He has a clear way of explaining complex topics and is invaluable to any discussion when considering how businesses should protect both themselves and their employees for the future.
Tim Carter, In House Counsel at The Warranty Group, London
Chris and his team at Cervello have seamlessly supported our company throughout the whole auto-enrolment process. They continue to be amazingly supportive, efficient and professional, offering advice and keeping us updated with any legislation changes. Chris, a huge thank you from all of us to all of you.
Chickenshed Theatre Group, London
I have used the financial services of Chris Daems and his company for almost 10 years now, the quality of service is fast, friendly and exceptional. I could not recommend their services more highly.
Geraldine Obi-Nwagwu, Managing Director at Lifecare Qualifications Ltd, London
I was always skeptical of advice and there's plenty of people out there offering advice. Chris made me feel comfortable that his approach to both his clients and how he runs his business. Which is why I approached Chris to become a client.
Alan Bailey, London
Cervello provides the expertise and management of our financial portfolio with a special element of personal care and attention. Our comfort and trust is absolute.
Steve Green, Essex
I found Chris Daems very helpful and friendly he also has an up to date knowledge of the tax system, he helped me arrange my pension to my best advantage and keeps in touch at regular intervals to see if my investments are performing to my satisfaction.
R Chapman, Essex
Chris is a very special sort of chap - not only an expert in his field and a top adviser and businessman, but also a pleasure to be around. He is enthusiastic, hardworking and always thinking of others.
Jane Malyon, The English Cream Tea Co for corporate, retail & export, Essex
Cervello have always provided a first class service to my clients. All the team provides a clear, friendly and efficient service and my clients have continued to be impressed.
Clive Myers, Director at Myers & Co. Accountants Limited, Essex
I can’t recommend Chris highly enough. Chris is wonderful to work with, he is knowledgeable, a lovely guy, and most importantly, I trust him to always have my best interests at heart and give me the best advice.
Nikki Westoby, Director of Neuroscience at Nielsen Neuro, London
Chris is foremost a "people enabler" because his focus is on building relationships and sharing knowledge through his blog posts. As an IFA he is committed to ensuring your safety net through top quality financial planning and family protection.
Ade Awokoya, Business Growth Coach, London
Chris and I are working on a couple of joint projects designed to deliver excellent service to our mutual clients. I find Chris to be a proactive , customer focused business partner and I have no hesitation whatsoever in recommending him.
Bode Olaniyan, CEO at abacus59, Essex
Thanks heavens I met Chris. He really knows his stuff when it comes to finance and getting you sorted out. He is very approachable and can explain the relevant financial matters easily. Highly recommended to any business.
Gary Williams, Essex
Chris has helped me plan out my Personal investment plan, which is now starting to come to fruition, definately recommend him.
Paul Schafer, London
Chris is an open minded, outward looking person, willing to help people because he recognises the importance of ‘paying it forward’. He has listened and provided me with excellent advice, and within the space of a couple of meetings has created a trust that encourages me to listen out for phrases from colleagues that might mean Chris can help these people out in the future and gain business at the same time
Jessica Lines, London
First impressions are very important and from the first time I met Chris it was abundantly clear that he was genuinely friendly and sincere. As I’ve got to know him better I realise this warm, friendly exterior is backed up by a wealth of knowledge and an absolute desire to achieve only the best possible results for his clients.
Steve Clarke, Essex
About us

We're a fully independent and award winning financial advisory and planning firm designed to remove financial worry and concern by helping them answer the following questions:-

"Have I got enough money to retire when I want?"

"Can you help me organise my pensions and investments?"

"Can you help me navigate some large financial decisions I'm facing?"

"Can you help me get financially organised?"

If you've been asking yourself some of these questions then why not get in touch for a no obligation chat at our expense to explore how we might be able to help.

Our services

We support people to achieve their financial goals by helping them to become more financially organised, getting the balance right between living now and saving for tomorrow and help people at a turning point in their lives make sure they make the right financial decisions...

Where to find us
Head office address: Rainham Library 6, Celtic Farm Road, RAINHAM, Essex, RM13 9GP
Service coverage
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£250,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
9.0/10
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FCA authorised
Last authorised 10th August 2020

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