Dukes Financial Planning LLP

Independent Financial Adviser  The Old Stables, Essex, Westcliff-On-Sea, SS0 9QJ
First meeting at adviser's own cost
CHARTERED and CERTIFIED firm, specialising in retirement, investment and protection. Local to Southend, Westcliff & Leigh areas.
We can advise you on
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Annuity purchase
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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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Buy my next home
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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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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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School fees planning
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Accident & sickness
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Critical illness
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Income protection insurance
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Life insurance
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Small business
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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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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
Response rating
9.0/10
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FCA authorised
Last authorised 26th July 2021
Meet our advisers
MR Adam Mark Norman BA Hons DipPFS
Partner

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

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

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 qualification helps advisers develop and demonstrate their financial planning capabilities. 

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

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 qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

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

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

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.

At the end of this unit candidates should be able to analyse and apply financial information and portfolio management skills

This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.

This exam accesses understanding of the features and risks of different securities, the structure and features of the securities market and relevant factors and considerations for appropriate investment recommendations.

MR Taylor Duke DipPFS
Partner

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

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

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 qualification helps advisers develop and demonstrate their financial planning capabilities. 

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 qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

At the end of this unit candidates should be able to analyse and apply financial information and portfolio management skills

This exam accesses understanding of the features and risks of different securities, the structure and features of the securities market and relevant factors and considerations for appropriate investment recommendations.

MRS Katrina Duke DipPFS
Partner

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

At the end of this unit, candidates should be able to demonstrate an understanding of: the supervisors role in a regulated organisation; recruitment, training, attaining competence, maintaining competence and supervising competence; management information and performance standards; Financial Services Authority rules and guidelines in respect of competence and supervision; the legal and regulatory aspects of employment and supervision.

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.

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

This examination assessed knowledge and understanding of income generating options and applying the knowledge to retirement planning situations.

This examination assessed knowledge and understanding of the range of investments available for planning of pensions and to be able to apply the construction of a pension portfolio management for a client.

MR Ray Duke AFPS
Partner

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.

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

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.

Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.

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.

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

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

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.

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.

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.

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 an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.

MCSI membership is full membership of the CISI, and denotes a high level of achievement and competence. It is awarded to those with a suitable combination of qualifications and experience

An internationally recognised financial planning credential. The holder must demonstrate a combination of experience, financial qualifications (usually AFPC/DipPFS) or equivalent, an CISI assessment, ongoing educational activity (continuous professional development) and ethical behaviour.

Accreditations
Certified Financial Planner Chartered Financial Planner
What our clients say
We have received excellent service from Ray with regard to Investments and Pensions. We have been very impressed by his financial knowledge, professional conduct, clear communication, and prompt responses.
Clive Beddoe, Essex
What were the circumstances that caused you to look for a Financial adviser? When selling my property many years ago I needed to seek expert advice on how best to invest soem of the proceeds of the sale. How did Ray Duke help you? I have been a client of my Independent Financial Advisors, Dukes Financial Planning, for over ten years and I have always found them to be extremely efficient in arranging my portfolio. They are always accommodating whenever I have a query, always at the end of then telephone and always prepared to spend as much time as is necessary to answer any questions I may have. Although we always have an annual meeting to discuss my finances there have been occasions when they have suggested an interim meeting to discuss issues rather than using either telephone or email communications. In addition to the careful attentions they have always given me I am always assured that my finance is in extremely safe hands. Dukes Financial Planning were recommended to me, I would certainly recommend them to anyone who needed independent financial advice. What is your current situation? Have you seen the outcome you were hoping for? Very much so; the advice I have been given over many years has enabled me to maintain a good standard of living from the income that my investments have produced. What could they have done better? Speaking purely from personal experience, there is nothing that my advisers could do better.
Colin Carey, Essex
Advice and Guidance received from Dukes Financial Planning has been of outstanding quality. Their knowledge, professionalism and integrity far exceed any other financial planning company I have dealt with in the past. I would not hesitate to recommend them to friends, family and any other who are seeking advice for their future.
Claire, Essex
Ray is extremely pro active and is always available to answer any questions that I have regarding my pension or investments.I am always kept advised of any movement in the markets and given various option's with regard to my investment's. I receive a regular mail shot with up to date information relevant to my situation. What could they have done better? I am happy with the service recieved
Rick Bakewell, Essex
I have been a client of my Independent Financial Advisors, Dukes Financial Planning, for over ten years and I have always found them to be extremely efficient in arranging my portfolio. They are always accommodating whenever I have a query, always at the end of then telephone and always prepared to spend as much time as is necessary to answer any questions I may have. Although we always have an annual meeting to discuss my finances there have been occasions when they have suggested an interim meeting to discuss issues rather than using either telephone or email communications. In addition to the careful attentions they have always given me I am always assured that my finance is in extremely safe hands. Dukes Financial Planning were recommended to me, I would certainly recommend them to anyone who needed independent financial advice. What could they have done better? Speaking purely from personal experience, there is nothing that my advisers could do better.
Colin, Essex
What were the circumstances that caused you to look for a Financial adviser? Recommendation from a trusted family friend, who we had asked for advice in investing the monies from a house property sale. How did Ray Duke help you? Assessed and identified the element of risk we were willing to make in agreeing to our investments. What is your current situation? Have you seen the outcome you were hoping for? Yes we have. Preferable to leaving it siting in a bank earning insignificant interest. What could they have done better? So far, can't fault the advice and/or service we have been given. Our Adviser has always answered questions, which we have put to him in a timely and considered manner
Sharon, Essex
What were the circumstances that caused you to look for a Financial adviser? My previous advisor let us down terribly. How did Ray Duke help you? Their professionalism and manner gave us confidence that they genuinely were providing us with the best options available to us. We got a great deal to meet our financial circumstances and can not thank them enough. What is your current situation? Have you seen the outcome you were hoping for? Yes. What could they have done better? Nothing. Outstanding service.
Natasha, Essex
What were the circumstances that caused you to look for a Financial adviser? Following my retirement after 43 years working in the investment industry I received a defined contribution pension. I felt that I needed further advice and guidance in transferring and investing my pension fund. How did Ray Duke help you? Ray clearly explained all the options available at our first meeting, including giving me a Risk Assessment Questionnaire to complete as well as explaining his charges in detail. I did not feel obligated to use his services at any time during our discussion. He understood my requirements exactly and recommended that future meetings should include my wife, which was extremely valuable as it gave us both a good understanding of our proposed retirement plans, as well as inheritance planning . What is your current situation? Have you seen the outcome you were hoping for? I have been impressed with the advice given to me and Ray has made me fully aware of all the risks and benefits of the option which I have chosen to take. As a result my pension fund has been transferred seamlessly to a plan of my choice. I am now also more aware of the relationship between my pension/retirement plan and future inheritance tax planning. What could they have done better? I am very happy with all the work that Dukes Financial have so far completed on my behalf.
Peter Hillman, Essex
About us

We are one of a small number of firms who have been awarded the prestigious status of corporate CHARTERED Financial Planners. Chartered status means that you can be confident that you are dealing with one of the UK's leading firms that is wholly committed to providing you with the best possible advice, service and support. We advise in all areas but specialise in pensions and investments, and helping clients prepare for retirement.

Our initial meeting is free and we also offer a free 'second opinion service'.

CONTACT US DIRECT:

If you would like to contact us directly in order to prevent delays, then please use the 'show number' button on the right-hand side of this page.

Further details about us can be found on our website, which you can find using the 'website' button under 'follow us' to the right of this text.

Our services

We are a firm of experienced independent Chartered Financial Planners. We specialise in:

- Offering a full financial planning service including pensions and investments
- Helping clients with the pension flexibilities introduced in April 2015
- Assisting clients as they plan for retirement
- How best to arrange the pension death benefits
- Assessing the appropriateness of all the retirement options available (Flexi-Access Drawdown, Annuities, UFPLS, Personal Pensions etc)
- Working with clients and their advisers re. inheritance tax planning
- Assessing clients protection and insurance needs

Our first meeting is free and we also offer a free 'second opinion service'.

Where to find us
Head office address: The Old Stables, 38 Tintern Avenue, Essex, Westcliff-On-Sea, SS0 9QJ
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
  • phoneButton
    Telephone
  • mouse
    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 26th July 2021

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Your money is precious, so let us help you make the most of it.