CFS Independent Financial Advisers Limited

Independent Financial Adviser  Lower Blyth Suite, Newcastle upon Tyne, NE20 0AQ
First meeting at adviser's own cost
We can advise you on: Pensions and retirement. Defined Benefit Pension Transfers. Investment. Inheritance Tax Planning.
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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Ethical investments
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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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Socially responsible 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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School fees planning
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Critical illness
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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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Taxation planning
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Corporate pension
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Employee benefits
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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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Long term care
Response rating
7.0/10
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FCA authorised
Last authorised 26th October 2020
Meet our advisers
Patrick Walsh CERTPFS
Partner

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

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

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assessed a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.

This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

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.

This examination assesses a knowledge and understanding of financial protection plans.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

This qualification assesses a knowledge and understanding of the mortgage process and the principles of equity release.

What our clients say
"Not only has CFS Independent Financial Advisers spent the initial time with me but also they continue to meet me on an ongoing basis to ensure that my portfolio is managed in line with my changing needs. Through their expertise they have provided me with a healthy, well-managed, growing portfolio with regular communication. Importantly, I now have a feeling of trust, reassurance, stability and the knowledge that they know me personally as a client, not just as an account."
Mr E O'Hara, Newcastle upon Tyne
"I have taken advice from CFS Independent Financial Advisers for over 10 years. Before then I was with a national IFA and I believe my ongoing portfolio was suffering because in their eyes I was just another account. In CFS Independent Financial Advisers I have found a personal, friendly service and a feeling of security with my finances. Their portfolio advice in these uncertain times has proved invaluable."
Mrs F Harrison, Jesmond, Newcastle upon Tyne
"I have dealt with CFS Independent Financial Advisers for a number of years and have always been extremely pleased with their friendly, helpful and highly professional service. In particular, their investment portfolio advice has been exceptional. I have no hesitation in recommending them to family members, friends and business associates."
Mr K Riches, Whitley Bay
"Nice to have someone explaining your investments in plain English and great to be able to ask the most basic of questions! We have found the level of professionalism and attention to detail exceptional and along with the personal touch it made our decision to use CFS Independent Financial Advisers a very easy one."
Mr L & Mrs M Siddle, Wylam, Northumberland
About us

As Independent Financial Advisers with over 20 years in business with recognised professional qualifications you can be sure of receiving financial advice of the highest calibre.

Our core service is Pension, Investment Wealth Management and Inheritance Tax Planning.

We take great pride in researching and selecting the very best financial products and investment funds for our clients and ensuring their plans remain on track.

Contact us for a no obligation discovery meeting which will be at our cost.

Our services

We believe regular face-to-face meetings with a Financial Adviser are a vital part of any financial planning process.

Our core service is Pension, Investment Wealth Management and Inheritance Tax Planning. We devise strategies for our clients and ensure they are regularly reviewed.

In between face-to-face meetings, we provide our clients with interim updates and encourage our clients to contact us either by phone or email.

We will always respond to our clients questions in a friendly, personal and professional manner. The majority of our existing clients have been with us for many years because of this very reason.

Where to find us
Head office address: Lower Blyth Suite, Kirkley Hall, Ponteland, Newcastle upon Tyne, NE20 0AQ
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 26th October 2020

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