Combined Financial Strategies Ltd

Independent Financial Adviser 38 Gay Street, Bath, Avon, BA1 2NT
First meeting at adviser's own cost
Response rating
10/10
FCA verified
20th August 2018
We are an award winning firm of Chartered Financial Planners offering independent financial advice across investments, retirement and tax planning.
We can advise you on
    • Ethical investments
    • Investing for income
    • Investment trusts
    • ISAs
    • OEICs
    • Offshore investments
    • Socially responsible investments
    • Traded endowment policies
    • Unit trusts
    • Accident & sickness
    • Critical illness
    • Healthcare
    • Income protection insurance
    • Life insurance
    • Payment protection insurance
    • Commercial mortgages
    • Corporate pension
    • Employee benefits
    • Group critical illness
    • Group income protection
    • Group ISA
    • Group life insurance
    • Group pensions
    • Group private medical insurance
    • Group protection
    • Group risk
    • Annuity purchase
    • Auto enrolment
    • Pension consolidation
    • Pension drawdown
    • Pensions & divorce
    • Pensions & retirement planning
    • Pensions review
    • Pensions transfer
    • Sipps
    • Stakeholder
    • Lump sum
    • National savings
    • Regular savings
    • Savings for children
    • School fees planning
    • Capital gains tax
    • Estate planning
    • Income tax
    • Taxation planning
    • EEA
    • Wealth management
    • Buy to let
    • Equity release
    • First time buyers
    • Flexible
    • Home reversion
    • Remortgage
    • Residential
    • Self employed
    • Long term care
Meet our advisers
Jonothan McColgan MA, APFS, DIP PFS, CERTS CII
Chartered Financial Planner
Accreditations
Chartered Financial Planner
What our clients say
Jonothan has an excellent appreciation of my needs, and regularly assesses the amount of risk I am prepared to take. He is always ready to listen to queries and answer them promptly. He oversees the investments regularly and makes changes when necessary. He visits annually even though it entails a round trip of about 250 miles. Following my husband's death he has been liaising with the solicitor re setting up a trust, and is giving my sons advice on tax planning. He will go the extra mile to make things easier for me.
Marian, Shropshire
Over the years we have picked up a number of different pensions and investments from different advisers at the bank. We never really had a clear understanding of what all these different policies would or could mean for our retirement. Jonothan has helped us to understand all these policies better and developed a retirement plan so that we know what is possible and what we have to do now to give us a chance of achieving the lifestyle we want. His investment recommendations have also done really well so far.
Angela, Bristol
Jonothan has been very effective at laying out a financial strategy with a plan that has been straightforward to understand, and that has stood the test of time. It has delivering good results for me and required the minimum of changes. I regard this as a very strong testament to both his professional integrity and good judgement.
Robert, Avon
Where to find us
About us

Many of our clients have a particular focus on when and how they can afford to retire.

We help you to understand what you are going to need your money for and ensure that you take all the right steps to plan for the worst case scenarios.

This will allow you to get on with living your life in the knowledge that you have made the right financial plans for your future.

Our services

We try to take away our client's greatest financial fears so that they can get on with enjoying their lives by helping them to:

• Understand what they want from their money today and in the future
• Provide a joined up financial strategy across all of their financial products & policies
• Ensure that they do not make costly mistakes
• Ensure they take advantage of suitable tax efficiencies
• Help them to plan for the worst (but expect the best)
• Keep them updated to the impact of legislative changes (like pensions in 2015)

Advice methods
  • phoneButton
    Telephone
  • icons
    Face to face
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£50,000
Minimum mortgage value
£250,000
Our awards
Compliance

An appointed representative of The Whitechurch Network Limited, which is authorised and regulated by the Financial Conduct Authority.
Registered in England. Registration number: 6499382. Registered office address: Suite 155, 3 Edgar Buildings, George Street, Bath, BA1 2FJ.

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