CFS Independent Financial Advisers Limited

Independent Financial Adviser Lower Blyth Suite, Kirkley Hall, Ponteland, Newcastle upon Tyne, NE20 0AQ

First meeting at adviser's own cost

Response rating

10 /10

2nd December 2019

We can advise you on: Pensions and retirement. Defined Benefit Pension Transfers. Investment. Inheritance Tax Planning.

We can advise you on

Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- SIPPs
- Stakeholder
Financial planning
- Wealth management
Investments
- Ethical investments
- ISA / Unit Trusts / OEICs
- Investing for income
- Investment trusts
- OEICs
- Socially responsible investments
- Unit trusts
Savings
- Lump sum
- National savings
- Regular savings
- Savings for children
- School fees planning
Insurance & protection
- Critical illness
- Income protection insurance
- Life insurance
Tax & trust planning
- Capital gains tax
- Estate planning
- Taxation planning
Business
- Corporate pension
- Employee benefits
- Group Pension/Stakeholder
- Group Protection/Life Insurance
- Group critical illness
- Group income protection
- Group life insurance
Long Term Care
- Long term care

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Meet our advisers

Patrick Walsh CERTPFS

Partner

Qualifications & Accreditations Hide qualifications

R02 - Investment Principles (CII)

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

CF4 - Retirement Planning (CII)

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

R03 - Personal Taxation (CII)

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.

G60 - Pensions (CII)

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

R01 - Financial Services, Regulation and Ethics (CII)

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

Dip PFS - Personal Finance Society Diploma (PFS)

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

AF5 - Financial Planning Process (CII)

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

G20 - Personal Investment Planning (CII)

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.

ER1 - Equity Release (CII)

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.

J05 - Pension Income Options (CII)

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.

CF6 - Certificate in Mortgage Advice (CII)

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.

J04 - Pension Funding Options (CII)

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.

CF3 - Financial Protection (CII)

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

CF8 - Certificate in Long-Term Care Insurance (CII)

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.

Certificate in Equity Release

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

What our clients say

"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

"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

"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

"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

Where to find us

Lower Blyth Suite, Kirkley Hall, Ponteland, Newcastle upon Tyne, NE20 0AQ

Make an enquiry

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.

Make an enquiry Request a call back Show number Recommend to a friend

We can advise you on

Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- SIPPs
- Stakeholder
Financial planning
- Wealth management
Investments
- Ethical investments
- ISA / Unit Trusts / OEICs
- Investing for income
- Investment trusts
- OEICs
- Socially responsible investments
- Unit trusts
Savings
- Lump sum
- National savings
- Regular savings
- Savings for children
- School fees planning
Insurance & protection
- Critical illness
- Income protection insurance
- Life insurance
Tax & trust planning
- Capital gains tax
- Estate planning
- Taxation planning
Business
- Corporate pension
- Employee benefits
- Group Pension/Stakeholder
- Group Protection/Life Insurance
- Group critical illness
- Group income protection
- Group life insurance
Long Term Care
- Long term care

Advice methods

Telephone
Face to face

Preferred clients

Minimum wealth (income/assets)

£50,000

Minimum pension value

£100,000

Minimum mortgage value

£0

Website

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Contact options

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