Gem & Co Financial Services LLP

Independent Financial Adviser  Wimbledon Offices Ltd, London, Greater london, SW19 4EU
First meeting at adviser's own cost
We’re Chartered and Accredited Financial Planners helping business owners, executives, professionals and retirees to achieve their lifestyle goals.
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 review
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Pensions transfer
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SIPPs
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Buy my next home
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Buy to let
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Buying commercial property
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Buying first home
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Flexible mortgages
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Next home / Remortgaging
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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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Socially responsible investments
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Unit trusts
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Lump sum
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Savings for children
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School fees planning
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Critical illness
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Income protection insurance
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Life insurance
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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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Stockbroking services
Response rating
7.0/10
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FCA authorised
Last authorised 3rd August 2020
Meet our advisers
Gareth Rees APFS CFPcm
Chartered Financial Planner

This examination assesses the candidate to develop in depth financial planning skills related to business.

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

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.

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.

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 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.

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

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

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

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.

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.

Accreditations
Certified Financial Planner Chartered Financial Planner
Elliott Swatton FPFS, BA(hons)
Chartered Financial Planner

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.

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 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.

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 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 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 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 qualification assessed a knowledge and understanding of portfolio investment management.

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
Chartered Financial Planner
What our clients say
We have been delighted with our service from Gem & Co Financial Services. They helped us take an idea, a set of aspirations and our future goals and map them out in a plan for us to review. I would happily recommend them as it is rare to find companies like this that are willing to give you detailed information as well as good sound financial advice.
Helen and David, Wimbledon
Gem & Co have provided a lot of good financial advice since I have been a client. At the age of 40, I had no pension to speak of, but over the 10 years I have been a client I have managed to get this back on track through regular savings and Gem & Co's advice. I now have more choices financially as a result.
Julia, Wimbledon
Gem & Co have helped us successfully achieve some of our important family goals by supporting the transaction processes and giving us the confidence to make decisions, enhancing our lifestyle.
Frank, Wimbledon
Gareth takes the time to explain all the options very clearly and in layman's terms. If at any time I did not understand something or wanted clarification he always made it clear to me. Time was never an issue, he is extremely patient in this respect. I can say is that he handles all my requirements extremely efficiently and to my complete satisfaction.
Jeffrey, Surrey
I have found that Gareth has always provided, good , sensible, reliable advice. He responds promply and efficiently with any queries that I may have and I have no hesitation in contacting him when necessary. He understands my situation,is easy to talk to and I have complete trust and confidence in the advice he provides.
Sheila, London
Elliott advised me in relation to my pension. He provided me with excellent advice about the change and demonstrated to me that the new pension arrangements would be for my benefit. He was up front about fees and also gave me some good advice about financial planning. I would thoroughly recommend Elliott and his team at Gem &Co. Friendly open service and always keeping me up to date with my plan. I can trust him to work for my benefit.
Patrick, London
About us

As with most things in life, the key to success is a little forward planning.

That’s exactly what we do: we help you plan for a successful financial future.

Since 1999, we have been providing independent financial planning services to clients in our local Wimbledon area and beyond.

As a Chartered (CII) and Accredited (CISI) firm, we are leaders in our profession; we continually demonstrate our ability to provide advice and service of the highest standard.

Over the years, we’ve developed specific expertise in working with people who fall under one or more of the following categories:

• Professionals: We’ll ensure that your finances can cope with every eventuality and pave the way to your aspirations.

• Executives: We’ll help you to feel confident that you’re making the most of today, without compromising your security in later life.

• Business owners: We will comprehensively address and organise every aspect of your personal and business finances.

• Retirees: We’ll ensure your pensions, savings and investments are appropriately structured to provide your ideal lifestyle.

Our services

We’re passionate about standing out from the crowd. There are certain factors that make us different from other Financial Advisers:

• We’re Chartered: Chartered status is the ultimate symbol of professionalism. It represents the gold standard of technical knowledge, ongoing commitment and ethical conduct.

• We’re Financial Planners: We will never simply sell you a product and walk away. Instead, we strategically plan for your successful financial future on an ongoing basis.

• We’re Accredited: As an Accredited Financial Planning Firm (CISI), we have proven that we deliver a comprehensive financial planning service that helps clients achieve their life goals.

Where to find us
Head office address: Wimbledon Offices Ltd, Tuition House, 27-37 St. Georges Road, Greater London, London, SW19 4EU
Preferred clients
Minimum wealth (income/assets)
£250,000
Minimum pension value
£250,000
Minimum mortgage value
£0
Advice methods
  • icons
    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 3rd August 2020

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