Emery (IFA) Ltd

Independent Financial Adviser  5 Kings Court, Essex, Colchester, CO4 9RA
First meeting at adviser's own cost
Professional, friendly and approachable consultants who look at the bigger financial picture.
We can advise you on
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Annuity purchase
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Auto enrolment
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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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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Unit trusts
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Lump sum
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Regular savings
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Savings for children
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School fees planning
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Critical illness
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Healthcare
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Income protection insurance
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Large business
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Life insurance
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Small business
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Estate planning
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Taxation planning
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Corporate pension
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Employee benefits
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Group ISA
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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
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Group risk
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Long term care
Response rating
7.0/10
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FCA authorised
Last authorised 18th October 2021
Meet our advisers
MR Nigel Shouksmith
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 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.

MR Michael Greely
Chartered Financial Planner

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 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.

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 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 UK regulation environment in the financial services industry, lifetime 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, 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 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.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, lifetime mortgage products and the giving of mortgage advice.

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

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 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 portfolio investment management. If passed before September 2010 QCF 3 after then QCF 4

At the end of this unit, candidates should be able to demonstrate an understanding of: how the economic environment and individual company performance affects investment performance and investment decision making; how risk is measured and managed; the main principles governing how to construct an investment portfolio; the range of investment management services, how their performance is evaluated and their regulatory environment.

This qualification enables professional advisers to develop specialist planning capabilities, covers topics like: personal tax and trust, business financial, pension and investment planning.

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.

Accreditations
Chartered Financial Planner
MR Christopher Fox Dip PFS (MP)
Independent Financial Consultant

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

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

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, mortgage products, repayment options and the giving of mortgage advice.

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.

MR Peter Emery Chartered Financial Planner
Managing Director

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.

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.

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.

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 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.

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 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.

Accreditations
Certified Financial Planner Chartered Financial Planner
What our clients say
My wife and I have had the pleasure of knowing and working with Tim O'Brien for a number of years, firstly at the Natwest then in his current role at Emery. Tim is an extremely conscientious professional and takes great care and time to understand our financial requests and needs. We are passionate about detail and we wanted to find a financial professional to work with who had this as a strength. Tim is that - he works fastidiously to find the ultimate solutions to match our personal needs and then is patient in explaining the results. I would highly recommend Tim - not only as a true professional to entrust your personal finances, but as genuinely great guy to work with! C.B., Essex, 19.10.2016
Tim O'Brien, Chelmsford
I was introduced to Emery through my employer and on leaving continued contact with them via the company pension. My pension portfolio needed to be reviewed and I contacted Emery directly for their help. Tim O’Brien has been fantastic help; clearly explaining every step, understanding my level of risk and needs for the future. He keeps me abreast of things and went the extra mile with regards to the changes that occurred with the recent Brexit vote. I can’t recommend enough. V.M., Cambridge, 25.09.2016
Tim O'Brien, Chelmsford
We met with Jane in 2014. Neither of us had received professional advice before and Jane has been extremely helpful to us in simplifying things into words we’ve been able to understand. Importantly, she’s also an animal lover! Mr & Mrs S, 27.08.2016
Jane Coster, Suffolk
Peter and his team have consistently provided a reliable and pleasant service, our meetings are regular and I consider his fees are good value for money. Essex, June 2016
Peter Emery, Colchester
I have been a client of Nigel Shouksmith since 2010…Under Nigel’s expert and good-natured guidance, with his clear and patient verbal and written explanations of the steps we have taken, our financial position has improved considerably, and its management from our point of view simplified…I would whole-heartedly recommend Nigel as an advisor. Mrs A W S, 12.04.2016
Nigel Shouksmith, Colchester
We have found that Nigel is easy to work with, is empathetic to our requirements and has the excellent and very useful gift of being able to explain complex financial matters in everyday terms. We have every confidence in his skills, his trustworthiness and his honesty. CS, 02.04.16
Nigel Shouksmith, Colchester
Nigel Shouksmith has been our financial adviser since November 2011. We have always found him pleasant to deal with, extremely prompt in answering queries and very knowledgeable about how to get the best returns for our money. Indeed, since Mr Shouksmith became our financial adviser, our income from investments has risen. Dr E C, 30.03.2016
Nigel Shouksmith, Colchester
Nigel has taken care of our financial affairs for several years now. We trust him and have confidence in his judgement. He is personable and friendly with a good sense of humour and takes time to clarify all aspects of his ideas and actions. We are happy to recommend him. Dr S & Mr W R, 30.03.2016
Nigel Shouksmith, Colchester
Nigel Shouksmith has been our much valued financial adviser for almost twenty years. During this time he has given us excellent advice regarding tax efficient investments as well as guidance through the complicated world of capital gains taxation, property investment, inheritance taxation and the Stock Market. We have always found Nigel to be honest, straight forward and plain speaking. We have no hesitation in unreservedly recommending him to anyone who is seeking sound management of their financial affairs. Dr & Mrs G C F, 29.03.16
Nigel Shouksmith, Colchester
It is my pleasure and privilege to recommend Nigel as an IFA. He has advised and guided me and my wife financially for nearly 16 years…Nigel is a highly principled and honest man in whom I have complete trust…Anyone who has the good fortune to obtain his professional advice and support will be well served. Dr B & Mrs R R, 26.03.16
Nigel Shouksmith, Colchester
Nigel has always provided me with expert advice and I have come not only to trust his guidance but also to benefit from his expertise. I heartily recommend his services. Dr J G E, 26.03.16
Nigel Shouksmith, Colchester
I am delighted to be able to write a reference for Nigel, who has been financial adviser to me and my wife since 2004…above all Nigel is a caring man. He always responds to my emails within a day or two, if not instantly, and is always succinct, practical and clear. Nigel has always recognised and respected our ethical position with regard to investments. Mr D B B, 25.03.16
Nigel Shouksmith, Colchester
It has been my personal and professional pleasure to have been a client of Nigel Shouksmith for more years than I care to remember. My wife and I value his regular and professional input and he continues to look after our investments extremely well. Mr C T, 24.03.16
Nigel Shouksmith, Colchester
We have found that Nigel is easy to work with, is very empathetic to our requirements and has the excellent and very useful gift of being able to explain complex financial matters in everyday terms….We have every confidence in his skills, his trustworthiness and his honesty. Mr C S FRCSEd, 23.03.2016
Nigel Shouksmith, Colchester
My wife and I have known Nigel since 2008 when he became our financial adviser. He has always been painstaking in helping us to understand the full implications of all decisions and extremely patient when we fail to grasp everything. We have been very pleased with his financial acumen and delighted with the result of his advice to date, so much so that we have had no hesitation in recommending him to several members of our immediate family. We find him to be affable, approachable, professional and he has a good sense of humour! Dr T & Mrs P S, 03.2016
Nigel Shouksmith, Colchester
As always it is good to see Mike, with my daughter. I always feel he has my best interests at heart and does a great job. More like meeting up with an old (that’s me!) friend. Many thanks. Mrs V W, Upminster, Essex 09.10.2017
Mike Greely, Chelmsford
We have found Mike to be very good in all aspects, especially knowledge of products, which is very good and wide ranging. Mr & Mrs P, Essex, 05.10.2017
Mike Greely, Chelmsford
Michael Greely has been my financial advisor for several years. I am extremely pleased with the advice he has given and my savings have thrived. I regard Michael now as a friend. I know I can call on him for help and advice at any time and that he will get back to me with clear advice promptly. His manner is always cheerful and his memory of my family members is amazing - always asking after them and myself. I trust Michael totally both with my present finances and with ideas and plans for the future as I get older. I am very grateful to him and always look forward to our annual review as he explains everything so clearly even I can understand it! C.R., Middlesex, 16.08.2017
Mike Greely, Chelmsford
I would recommend Mike Greely to anyone, I have implicit faith and trust in his judgement, we both feel secure with him dealing with our finances and we look forward, hopefully, to a long working relationship for years to come. In today's world, feedback seems to be the key to most organisation's continued improvement for customer satisfaction - one goes through a series of tick boxes between 1 and 10 grading the service and not really paying much attention, but just getting that form filled in and sent off. For us, Mike Greely deserves far more than what the standard questions would ask. We wish him continued success, he will go a long way with his natural ability to connect and be genuinely interested in his clients’ welfare. I know that if anything happens to either one of us, that his support will be invaluable. Mrs J & Mr T B, Essex 17.09.2017
Mike Greely, Chelmsford
About us

We provide bespoke personal and corporate advice, specialising in Wealth Management, Pensions, Investments, Taxation and Life Cover.

Our services

Emery (IFA) Ltd operates a unique Investment Strategy with a proven track record.

Our advisers are open and honest and go the extra mile to achieve client satisfaction.

Where to find us
Head office address: 5 Kings Court, Newcomen Way, Severalls Industrial Park, Essex, CO4 9RA
Preferred clients
Minimum wealth (income/assets)
£101,000
Minimum pension value
£101,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 18th October 2021

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