Hine Downing Financial Services

Independent Financial Adviser  Hine Downing Financial Services, Cornwall, Falmouth, TR11 3PH
First meeting at adviser's own cost
As a business our principle aim is to protect, maintain or improve our clients' financial wellbeing in an ever-changing world.
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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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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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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Accident & sickness
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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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Taxation planning
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Long term care
Response rating
7.0/10
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FCA authorised
Last authorised 13th September 2021
Meet our advisers
MRS Rosalyn Shallcroft
Independent Financial Adviser
MR Robert Bourguignon
Business Development Manager
MR Trystan Trezise DipPFS
Managing Director & Independent Financial Adviser

This qualification helps advisers develop and demonstrate their financial planning capabilities. 

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

MR Steve Bonney DIPS PFS CERTS CII (MP & ER)
Director & Independent Financial Advisor

This qualification helps advisers develop and demonstrate their financial planning capabilities. 

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

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 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 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 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: 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.

MRS Kathy Payne
Independent Mortgage Advisor

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

About us

Hine Downing Financial Services (HDFS) is the trading name of the Professional Financial Centre (Cornwall) Ltd, a firm of Independent Financial Advisers who advise on a 'Whole of Market' basis. HDFS is largely owned by the Partners of Hine Downing Solicitors LLP and is authorised and regulated by the UK's Financial Conduct Authority.

Our fully qualified team of financial advisers/planners are highly experienced and their principal ethos is to always place the client first. HDFS provides a broad range of financial planning services, so the professional guidance available through the company will assist clients in making important informed decisions both now and in the future and help them achieve their short, medium and long term financial goals. To ensure client's satisfaction, a regular comprehensive review service is available to all clients in order to analyse the progress of their current financial planning and re-appraise their expectations and future needs.

HDFS is strongly committed to a policy of promoting local organisations and events which have a positive and beneficial impact on the local community. Both as a business and as individuals we take great pleasure in supporting many cultural, maritime and sporting activities.

Our services

While our transparent processes may change over time, some things remain constant such as our personalised and professional approach, our close links with the community and our reputation for developing lasting relationships with our clients.

Whether or not working closely with the client's own accountant or solicitor, the HDFS advisers provide client specific financial planning advice via comprehensive written recommendation reports, on a wide range of financial planning subjects, which include Savings and Investments, Pension plans and Retirement planning, Long Term Care planning, Inheritance Tax planning, Mortgages and Equity Release schemes and Family Protection, as well as Trustee investment planning.

Where to find us
Head office address: Hine Downing Financial Services, 8-14 Berkeley Vale, Cornwall, TR11 3PH
Preferred clients
Minimum wealth (income/assets)
£0
Minimum pension value
£0
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
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 13th September 2021

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