Efficient Portfolio Wealth Management Ltd

Independent Financial Adviser  Efficient Portfolio Wealth Management Ltd, Oakham, Rutland, LE15 6AY
First meeting at adviser's own cost
Our chartered firm believes in helping people to clarify and realise their dreams and goals through their financial planning.
We can advise you on
check
Annuity purchase
check
Auto enrolment
check
Pension consolidation
check
Pension drawdown
check
Pensions & divorce
check
Pensions & retirement planning
check
Pensions review
check
Pensions transfer
check
SIPPs
check
Stakeholder
check
Bad credit
check
Building your home
check
Buy my next home
check
Buy to let
check
Buying commercial property
check
Buying first home
check
Equity release
check
Flexible mortgages
check
High loan to value
check
Mortgage protection
check
Next home / Remortgaging
check
Right to buy
check
Self-employed mortgages
check
Wealth management
check
Ethical investments
check
ISA / Unit Trusts / OEICs
check
Investing for income
check
Investment trusts
check
OEICs
check
Offshore investments
check
Socially responsible investments
check
Traded endowment policies
check
Unit trusts
check
Lump sum
check
National savings
check
Regular savings
check
Savings for children
check
School fees planning
check
Accident & sickness
check
Buildings and contents
check
Critical illness
check
Income protection insurance
check
Large business
check
Life insurance
check
Payment protection insurance
check
Small business
check
Capital gains tax
check
Estate planning
check
Income tax
check
Taxation planning
check
Commercial mortgages
check
Corporate pension
check
Employee benefits
check
Group Pension/Stakeholder
check
Group Protection/Life Insurance
check
Group critical illness
check
Group income protection
check
Group life insurance
check
Group private medical insurance
check
Long term care
Response rating
10/10
check
FCA authorised
Last authorised 18th May 2020
Meet our advisers
Tom Senogles Dip PFS
Independent Financial Adviser

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.

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 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.

Richard Phillips Dip PFS
Independent Financial Adviser

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

Tim Webb Dip PFS
Financial Planner

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 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 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.

This qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits

Accreditations
Certified Financial Planner
Henry Elliston FPFS
Independent Financial Planner

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

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

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 regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

This exam accesses understanding of the financial services industry including regulation and legislation.

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 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.

At the end of this unit, candidates should be able to demonstrate an understanding of: the main legal forms of business and how they are set up and managed; the consequences of bankruptcy or insolvency; business accounts and financial controls; the taxation of each type of business entity, its owners and employees; the main legal responsibilities businesses have to employees, suppliers and 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 an ability to analyse pension and retirement planning issues.

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

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

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 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.

To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

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

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 financial services industry, and its regulation, products and processes.

This exam accesses understanding of the financial services and their regulation.

This exam accesses understanding of protection, savings and investment products.

This exam accesses understanding of identifying and satisfying client needs.

Accreditations
Chartered Financial Planner
Daniel Smalley
Mortgage Adviser

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 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 key elements of the mortgage process, specialist types of mortgage lending, challenges in the mortgage industry and the giving of mortgage advice.

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

Charlie Reading APFS
Director

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

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.

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.

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

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 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 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.

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

This examination assesses a knowledge and understanding of investment products and the risks involved.

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.

This exam accesses understanding of the financial services industry including regulation and legislation.

This exam accesses understanding of the financial services industry, and its regulation, products and processes.

This exam accesses understanding of the financial services and their regulation.

This exam accesses understanding of protection, savings and investment products.

This exam accesses understanding of identifying and satisfying client needs.

Accreditations
Chartered Financial Planner
What our clients say
“I was thoroughly impressed with every aspect of the service you offer. From the initial meeting it was clear that this was an organisation that listened carefully to what was required first and then put those thoughts into something individually tailored and appropriate. I have every confidence in your expertise and had no doubts at all that everything would be managed in a totally professional way. It was suggested to me by my solicitor that I might want to contact another organisation as well but there was no need as you met all the requirements which I did not think could be bettered. I am sure that there would also have been enough contact with me when necessary but not too much either. It is very off-putting to be pressurised but my experience was quite the opposite. We were made to feel very welcome when we arrived which also made a positive beginning.”
J Nicholls, Rutland
“Charlie has looked after my retirement planning and personal insurance for the last 7 years. Working in an industry where the bulk of my employment is based on short term contracts, its very unlikely that Ill ever receive a company pension or paid sick leave so it has proved very reassuring knowing that I am protected both later in life and also should the unthinkable happen. Probably like a lot of people who work in creative industries I have an inherent fear and ignorance of anything involving financial management and I have at best a fairly loose understanding of the tax implications involved, so the advice of Charlie and his team has been invaluable. They simplify the situation without being patronising and explain all the options to me fully before recommending what they believe is the best course of action. I also like the fact that the fees are fixed for the service being provided and so there is no suspicion that they are incentivised to try and sell me a particular product to improve their commission. Finally, they are very nice people; my father passed away fairly recently and in the light of this I asked Charlie and his team to help my mum deal efficiently with the changes to her financial circumstances. Having clearly been misled in the past by independent advisers on the high street, she was delighted with the service she received and she was most of all impressed by how lovely and patient the team were when explaining everything to her. I wouldnt hesitate in recommending Charlie and his team to anyone seeking sound, independent advice on their future financial planning from knowledgeable, nice people.”
M Walton, London
“Charlie has been providing us with professional financial advice for over ten years. He has made complex and often confusing options easy to understand and has supported us to make the right decisions for us and our family as our circumstances change over time. I wouldnt hesitate to recommend Charlie to others and have already done so with many favourable comments.”
C Wada, London
“During my working life, it was a challenge to find good investments for my relatively small savings and it taught me that there are many people who know the stock market and where to invest better than I could ever hope to. Also, there were many out there who would manage my funds to their best advantage and not necessarily mine. As retirement approached, it was clear that like many working men, most of my pension would be tied up in straightforward company pension arrangements and that the challenge for me was going to be the investment of the various lump sums and ISA savings to provide the extra income over-and-above the regular pension payments. So, I set about finding a source of holistic advice that I could trust and that it would be appropriate for me and my family. I was also keen to find a local expert that was readily available rather than travel or communicate by post. The sales brochures and seminars kept on coming in. In the end, I selected Charlie because I believed Efficient Portfolios methods would see my funds in a portfolio of quality investments where not only the performance of investment was managed and changed when necessary, but also the risk profile of the portfolio was maintained by regular re-balancing. I bought into this idea and have been very pleased with the results achieved through the Skandia investment platform. The recent change to Wealthtime managing the investment maintains these controls with the added advantage of the Wealthtime proactive approach, recommended by Charlie, which should add to the growth in value of the portfolio. It was important too that IHT (Inheritance Tax) should be considered as part of the overall approach to financial planning. Charlies knowledge of appropriate arrangements to minimise IHT made good sense and, as a result, trust arrangements have been put in place that will keep it to a minimum. What is very satisfying and provides increasing confidence in Efficient Portfolio methods is the regular review of performance that should ensure the best ongoing results I am aware that the service offered by Charlie is expanding through their London office and, while this is not of great interest to me, it does indicate the feeling that I have always had that Efficient Portfolio provides a City standard of service from a local office.”
Alan, Rutland
“My wife and I are delighted with the advice and support we have received from Efficient Portfolio. For the first time, in our experience, we have enjoyed independent financial advice which is exactly that; advice that put us, the clients, at the centre of their planning procedures. An example of the care and attention Efficient Portfolio took with our personal situation resulted in a substantial cash gain from a high street bank. An investment I had made years ago had gone badly wrong. Efficient Portfolio looked closely at all of the details and suggest that, in relation to our risk profile, we had been mis-sold and that in this situation it was worth considering a letter of complaint. Efficient Portfolio provided excellent support in composing an objective and critical complaint. The result; the banks investigation found in our favour- our losses made good.”
Mr. and Mrs. Mitton, Rutland
About us

At Efficient Portfolio, we believe in helping people clarify and realise their dreams and goals through financial planning. We do this by taking you through a unique process that allows you to get a better understanding about us, of what you want to achieve in the future and what concerns you have about the present. We can then build your financial planning to help deliver exactly this.

We are the only Chartered Financial Planning firm in Rutland and pride ourselves on being able to provide you with a planning service built on honesty, professionalism and integrity.

Based in Rutland, and with an office in London, Efficient Portfolio specialises in investment, retirement and tax planning, whilst providing an integrated financial planning solution that covers all areas of the financial world. A substantial part of our work is in helping people plan for their retirement by maximising their income and minimising tax paid.

We also help our clients maximise what they have already built up in their pensions and in other investments by providing them with simple yet cost and tax effective solutions that really can make a difference to your future.

Our services

You should blossom in retirement. It should be a time of happiness, adventures and enjoying the fruits of your labour. Sadly, this often isn't the case. So we want to start a retirement revolution and make your later years your best years!

Where to find us
Head office address: Efficient Portfolio Wealth Management Ltd, Portolion House, 30 Melton Road, Rutland, Oakham, LE15 6AY
Preferred clients
Minimum wealth (income/assets)
£0
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
  • mouse
    Online (Live chat, video, email)
  • icons
    Face to face
Response rating
10/10
check
FCA authorised
Last authorised 18th May 2020

Similar advisers near you

Independent Financial Adviser 0 mi
Voted Wealth & Finance "Best Investment Planning Firm (Midlands) 2018" and The Times "Top 100 Highest Rated Financial Advice Firms"
 
Independent Financial Adviser 0.19 mi
We provide the intimacy of a dedicated, local wealth management practice backed by global research and financial security.
 
Independent Financial Adviser 1.21 mi
Friendly local financial advisers helping you with all your financial requirements
 
Independent Financial Adviser 4.74 mi
Award-winning, Chartered financial planning firm delivering unbiased, tailored advice to protect and grow your wealth.