Gardner Financial Management

Independent Financial Adviser  Unit 8 Hatton Technology Park, Royal leamington spa, Warwickshire, CV32 4QN
First meeting at adviser's own cost
A highly experienced financial planner helping individuals and families achieve their retirement and financial goals.
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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Bad credit
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Building your home
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Buy my next home
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Buy to let
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Buying first home
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Equity release
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Flexible mortgages
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High loan to value
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Next home / Remortgaging
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Right to buy
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Self-employed mortgages
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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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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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Buildings and contents
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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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Payment protection insurance
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Estate planning
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Taxation planning
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Commercial mortgages
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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
Response rating
7.0/10
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FCA authorised
Last authorised 25th May 2020
Meet our advisers
Alison Watts

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

Lee Gardner DipPFS
I F A

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

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 examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.

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 demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.

At the end of the unit candidates should be able to understand the use of platforms in providing financial services, the legal regulatory environment in which they operate and the ability to assess the suitability of platforms in meeting client requirements

What our clients say
To the team at Gardner FM, we cannot thank you enough for helping us buy our first home. We are so happy here, best wishes
Hayley Forsdick, Knowle, solihull
Thank you for all your help and support with our house move
Sophie B., Balsall Common
I rate Lee and his staff at Gardner Financial Management very highly. Lee is very knowledgeable on everything you need. I have mortgages , Pensions and life cover arranged and I would never go anywhere else. Personal finance is a minefield that’s why I leave it to the experts
Gary Parkes, Nuneaton
Lee and the team understand the Financial services business well and treat individual customers with a personal touch which makes doing work with them a pleasure.
Martin Peach, Leamington Spa
This is a friendly, professional, no jargon team. I would not hesitate in recommending them to anyone
Alison B, Redditch
About us

Our team brings a wealth of experience in helping our clients understand their finances. Each client's circumstances are different and we always take the time to understand your hopes and aspirations before putting together a financial plan to achieve your goals. We believe in simple straight forward financial advice in plain English..
We are dedicated to providing the best level of service we can.
Our team approach to looking after our clients means that every one of us knows every client.
Our clients really value the personal touch we bring.

Our services

As your adviser, our job is to give you answers to your financial questions in plain English, so you can make educated and informed decisions about your money.
We specialise in helping clients who are considering their retirement, or have actually retired and want help and guidance in managing their money through this process.
Using cash flow modelling we can help you work out how much money you will need in retirement. Importantly this will give you the confidence to have the best retirement you can possibly have and ensure that you will not run out of money.

Where to find us
Head office address: Unit 8 Hatton Technology Park, Dark Lane, Hatton, Warwickshire, CV35 8XB
Preferred clients
Minimum wealth (income/assets)
£20,000
Minimum pension value
£0
Minimum mortgage value
£125,000
Advice methods
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    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 25th May 2020

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