Devine Financial Management Ltd
15th October 2018
Chartered Accountant & Chartered Financial Planner IFA: investments and pensions specialists including final salary transfers, SIPPs, tax advice, IHT mitigation.
We can advise you on
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Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
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Expatriate finances
- EEA
- Rest of world
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Financial planning
- Wealth management
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Insurance & protection
- Critical illness
- Healthcare
- Income protection insurance
- Large business
- Life insurance
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Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Socially responsible investments
- Unit trusts
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Savings
- Lump sum
- National savings
- Regular savings
- Savings for children
- School fees planning
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Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
Meet our advisers
Antony Devine
IFA / Director
Qualifications & Accreditations
AF5 - Financial Planning Process (CII)
This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.
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.
AF3 - Pension Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.
AF2 - Business Financial Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to business.
AF4 - Investment Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.
CF3 - Financial Protection (CII)
This examination assesses a knowledge and understanding of financial protection plans.
CF4 - Retirement Planning (CII)
This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.
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.
CF7 - Certificate in Lifetime Mortgages Activities (CII)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, lifetime mortgage products, repayment options and the giving of mortgage advice.
HR1 - Home Reversion Plans (CII)
This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.
CF9 - Pensions Simplification (CII)
This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.
G10 - Taxation and Trusts (CII)
This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.
MAQ - Mortgage Advice Qualification (CII)
This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.
CF2 - Investment and Risk (CII)
This examination assesses a knowledge and understanding of investment products and the risks involved.
SV1 - Saving and Investment (CII)
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.
APFS - Associate, Personal Finance Society (PFS)
To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.
Andrew Nicolson
IFA
Qualifications & Accreditations
R05 - Financial Protection (CII)
This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.
FP3 - Identifying and satisfying client needs (CII)
This exam accesses understanding of identifying and satisfying client needs.
FP2 - Protection, savings and investment products (CII)
This exam accesses understanding of protection, savings and investment products.
FP1 - Financial services and their regulation (CII)
This exam accesses understanding of the financial services and their regulation.
CF5 - Integrated financial planning (CII)
This exam accesses understanding of the financial services industry, and its regulation, products and processes.
CF4 - Retirement Planning (CII)
This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.
CF3 - Financial Protection (CII)
This examination assesses a knowledge and understanding of financial protection plans.
CF1 - UK financial services, regulation & ethics (CII)
This exam accesses understanding of the financial services industry including regulation and legislation.
R04 - Pensions and Retirement Planning (CII)
This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.
R02 - Investment Principles (CII)
This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.
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.
G10 - Taxation and Trusts (CII)
This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.
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.
What our clients say
Tony helped me by consolidating my pensions and transforming their performance, despite the financial meltdown in 2008. He is by far the most professional and fastidious IFA I have worked with over the past 25 years.
An extremely professional and well informed advisor.
I thoroughly recommend Antony Devine. I have known Tony for a number of years as an IFA! but it is only for the last few years that I have used his services for my personal financial affairs. I value his advice and guidance with my portfolio and he is very approachable.
From our first meeting I felt like I was being looked after by a professional. Tony has been business-like and straightforward throughout. He covered all aspects and eventualities and went to great pains to ensure we fully understood everything.
Very happy with Tony’s handling of setting up my financial package including the merging of other existing investments. Thereafter very happy with the % returns Tony has achieved on my investments.
I would like to express my high regard for the service and support that Tony Devine has provided to us over the past few years. Tony has always taken the greatest care to understand any financial challenges we have faced, before carefully considering and explaining the options available to us and then advising us which solution is best for us and why. I have no hesitation in recommending Tony to anyone who needs financial advice services - you will certainly be in safe hands.
Tony Devine has been managing my personal finances now for around 10 years. He is extremely professional, courteous, knowledgeable, and always takes the time to properly understand my needs and goals. He has completely turned around my investments – from lack-lustre or failing funds – to investments which are outperforming the market. He is very approachable and easy to work with, and extremely responsive, often proactively suggesting changes of funds which he thinks would be beneficial. I can’t recommend him highly enough, and feel very fortunate to have ‘found’ him to manage my portfolio.
Just few words to express my gratitude for your friendly, professional and focused on my best interest analysis on planning my retirement. I very much appreciated your frank approach in pointing out how to reach my goals. To be honest, I used to be a bit sceptical with financial advisors (due to previous bad experiences) but your crystal clear arguments helped me to review my hesitations. I have not any objection to recommend you to all my friends who may want an impartial financial advice.
Tony has been looking after my investments and advising me on my various company pensions since early 2007. He is an excellent investment adviser and I have made consistently good returns through his advice. He responds promptly to my emails and phone calls, explains things very clearly (my first language is not English) and all in all I am very satisfied. His German isn’t very good but he only tries that out for fun!”
Tony and I met through a strong recommendation from a much-trusted friend of many years whose opinion I value; her advice was sound.
Over some 12 or 13 years, I have also come to trust Tony’s financial advice implicitly. He has guided us skilfully through different economic shifts, protecting our pension and investment portfolio and we continue to value his advice.
In my turn, I recommend Tony strongly.
Where to find us
Princess Caroline House, 1 High Street, Southend-On-Sea, Essex, SS1 1JE
Contact usAbout us
We are whole-of market (i.e. fully independent) Financial Advisers based in Southend at the foot of the High Street near the pier tel. 344264.
Our senior adviser Tony Devine is also a Chartered Accountant, a STEP affiliate member (Society of Trust and Estate Practitioners) and holds the pension transfer specialist licence.
We advise on all areas and forms of investment and pensions / retirement planning, incorporating tax savings advice wherever possible. We also advise on Estate Planning and IHT mitigation.
We also advise on traditional areas such as life insurance, critical illness and other protection products, in particular for contractors and small business owners where again, tax advantages can be found.
For business finance, we advise SMEs on group schemes including group pensions, private medical (PMI), group life and so on.
We are ideally placed for South Essex residents including Leigh-on-Sea, Westcliff, Thorpe Bay and all SS postcodes principally SS1, SS0 and SS2 - as well as London SW1 and SW3 and SW8. You can also find us at 42 Grosvenor Gardens, Victoria, London SW1W 0EB.
Mortgage advice also available in London (min. mortgage size £250,000).
Our services
"It doesn't need to be complicated!"
Both Tony Devine and Andrew Nicolson are particularly good at identifying the client's needs and clarifying their objectives. They both enjoy investment work (including pensions and SIPPs ) and spend much of their time managing their clients' money. We have good tax knowledge which aids sensible tax planning, obtaining even better results.
DFM offers a defined benefit pension transfer service.
With corporate clients we can distinguish the opportunities for owners and their planning needs through the company or as individuals.
Please see our testimonials page on the website. Chartered Financial Planners.
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