Generation Financial Services Ltd

Independent Financial Adviser  80 Coleman Street, London, City and county of the city of london, EC2R 5BJ
First meeting at adviser's own cost
We provide consultancy, advice, management and administration of personal financial planning and employee benefits in London and across the UK.
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 to let
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Buying commercial property
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Buying first home
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Buying overseas
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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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Socially responsible 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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Critical illness
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Healthcare
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Income protection insurance
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Life insurance
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Small business
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Travel
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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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EEA
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Commercial mortgages
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Corporate pension
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Employee benefits
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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
9.5/10
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FCA authorised
Last authorised 17th February 2020
Meet our advisers
Jeff Scripps
Employee Benefits Consultant

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

Alan Webb
Director and Employee Benefits Specialist

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.

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 examination demonstrated that the individual has a knowledge and understanding of all financial planning aspects of running a business and an ability to advise clients appropriately.

Andrew Waller DipFA MIFS
Direcyor and Employee Benefits Specialist

The Diploma enhances knowledge in core areas such as regulation, investment principles, risk, taxation and personal financial planning using real-life scenarios to develop the essential skills to apply this technical knowledge in practice

Shai Patel DipPFS
Independent Financial Adviser

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

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.

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, mortgage products, 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 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 examination assesses a knowledge and understanding of financial protection plans.

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

What our clients say
We tendered our auto-enrolment requirements with three different providers in the market and one of the key factors in choosing Generation Financial Services was simply due to the fact that their proposal was the most complete and would cause the minimial disruption to our payroll department. We were looking for a provider who could assist our payroll department. In addition, our management team felt that we could work well with GFS from the very first meeting due to their friendly and honest approach.
Bhavin Shah, Watford
Andrew is a real EB specialist but in my view his real strength is being so passionate about his customers needs. In a market characterised by 'product sellers', Andrew stands out a real independent consultant who will only deliver what the customer genuinely needs.
Peter Byrne, London
I have worked with Generation and Andy Waller for a number of years and find that he is comfortable in any situation he is in, delivering results and providing clients with real value, he is a trusted advisor who is able to support colleagues and clients alike. Andy has become our employee benefits expert and helped us to create a unique offering to our customers. I would not hesitate to recommend working with Andy and his team to anyone
Neil Lagden, London
About us

Generation Financial Services was formed in 2008 to provide consultancy, advice, management and administration of employee benefits and personal financial planning. We treat our clients, staff, product providers and business partners honestly, professionally and with integrity. It is our goal to gain respect through positive results and long-term relationships at client, staff and business level.

Andrew Waller Joined the business in 2010 to head the corporate team and the business is now run by founding Director Shai Patel and Andrew, who’s philosophy is built around their core belief in treating clients, staff and business partners fairly and with respect:

Our services

We provide a fair and honest price and delivering a truly bespoke service which is at the centre of our business strategy, whether acting as consultants, implementing products (from the whole marketplace) or managing existing accounts. We value each of our clients – private or corporate – and strive to provide a consistent and flexible service proposition to them.

Where to find us

80 Coleman Street, London, EC2R 5BJ

Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£50,000
Minimum mortgage value
£125,000
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
9.5/10
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FCA authorised
Last authorised 17th February 2020

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