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  11. Holcombe Financial Services

Holcombe Financial Services

Independent Financial Adviser  1 Market Chambers, Ramsbottom, Bury, BL0 9AJ
First meeting at adviser's own cost
Chartered Independent Financial Advice, often high level and complex, delivered in a format that is easy to understand.
We can advise you on
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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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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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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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Estate planning
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Response rating
9.5/10
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FCA authorised
Last authorised 26th July 2021
Meet our advisers
MS Emma Connaughton Chartered Financial Planner, APFS, Certs CII(MP & ER)
Chartered Financial Planner

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

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.

This examination assesses a knowledge and understanding of financial protection plans.

To achieve the CertPFS (DM) and individual needs to pass 2 diploma units in Regulation and ethics and Discretionary Investment Management

This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.

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

This exam accesses understanding of the financial services industry, and its regulation, products and processes.

Accreditations
Chartered Financial Planner
MR Jeremy Bostock APFS, Certs CII(MP & ER), BA (Hons)
Director and Chartered Financial Planner

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 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.

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 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 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 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.

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.

This examination assesses a knowledge and understanding of financial protection plans.

To achieve the CertPFS (DM) and individual needs to pass 2 diploma units in Regulation and ethics and Discretionary Investment Management

This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.

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

This exam accesses understanding of the financial services industry, and its regulation, products and processes.

This exam accesses understanding of the financial services and their regulation.

This exam accesses understanding of protection, savings and investment products.

Mrs Carolyn Jeffs Chartered Financial Planner, CertLTCP, Adv DipFA, CeMap, CeLTCI, Chartered ALIBF
Chartered Financial Planner
Accreditations
Chartered Financial Planner
Miss Lisa Hartley
Mortgage & Protection Adviser

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.

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

Mr Craig Bridge
Independent Financial Adviser

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 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 recent pension reforms and how the changes impact at-retirement advice.

This exam accesses understanding of the financial services and their regulation.

This exam accesses understanding of protection, savings and investment products.

This exam accesses understanding of identifying and satisfying client needs.

What our clients say
It was not just a quick 20 minute sit down. Jeremy sat down with me on each period for an hour or more to advise the best steps to go forward and how I was to use my pension. It was very good. There was very detailed information provided at the meetings which helped me decide where to put the rest of my pension, so I was very satisfied. I never felt under pressure, the decision was left to me and my partner with the help and guidance of Jeremy and his team. I wanted to look at taking my tax free lump sum out of my pension. Jeremy was very helpful and got me more than the 25% which was brilliant! It has been a pleasure so far to work with Jeremy and the team, and I would like to thank him for his time and hopefully will be working with him in the near future. I feel brilliant and would highly recommend him. Thank you!
Mr Sproson, Bury
Excellent in every way. Jeremy has really impressed me with his professionalism, expertise and manner. Jeremy was presented as extremely knowledgeable and skilled in disseminating information in an understandable format. It was a pleasant and relaxed approach, with no obligation or hard sell. Jeremy assisted me with pension advice. I have also requested future assistance with mortgage advice. I have recommended Jeremy to my colleague, my sister and my mother – all of whom have either become clients or have arranged contact. I am extremely happy with the service I received and don’t have suggestions for improvement.
Miss F, Wilmslow
Previously, we had invested our money in a product that was not performing very well. Jeremy has provided an excellent service for us. He has been most thorough in finding out exactly what type of investment we wanted. He is knowledgeable in many fields of investment and explains everything, showing examples & statistics to back up his statements. We would not hesitate in recommending him to friends & family – in fact we have already done so!
Mr & Mrs F, Bury
The service was excellent. Everything was explained well and clearly plus all my questions were answered. Everything was provided in layman’s terms if required. At no point did I feel condescended – it was excellent! plus it was concise. I was advised at the beginning that no decisions had to made imminently. To be honest everything was explained so well I was happy to make decisions there and then. My dealings with Holcombe Financial Services were great! I will deal with them if required in the future. Yes, I will certainly recommend them to other people – in fact I have already done so.
Mrs L Harrison, Manchester
We were thrilled with the service we received from Emma, it is what we expected and beyond, we are very satisfied customers. “Her knowledge and skills were extremely useful as Pensions & Protection are areas we know nothing about. We felt in safe hands with Emma as she really knew her stuff. She got us the very best policies available in the market place. Emma presented us with all the facts and took the time to explain in detail so that we fully understood everything; we were then left to decide whether or not to proceed, which of course we did as it was an excellent proposition. We would highly recommend Emma to anybody, in fact we already have!! She is knowledgeable, professional, friendly and efficient. She kept us informed at every step in the process and made everything as easy as possible for us, which we really appreciated. I cannot fault her one bit and will continue to use her services. In fact we have asked her to look into other areas of our finances as we were so pleased with the service we received from her. We feel our finances are in very capable and safe hands.
Mr & Mrs C, Kenilworth
We had money from our retirement lump sums to re-invest that had been invested in several providers which we wanted to consolidate in one place. We were looking at low to medium risk and Emma suggested splitting our investments into two pots which we were quite happy to commit to. We have been able to monitor our investments online and we have been kept informed of any changes. Various options were discussed and queries and questions answered to our satisfaction. At no point did we feel under pressure to make hasty decisions or commitments during the whole process. We would be more than happy to recommend Emma to friends/family if they needed financial advice.
Mr & Mrs D Rainford, Harwood
Helpful knowledge of practical and tax issues as well as business protection requirements. Information was delivered clearly and was left to make decisions in own time (with occasional non-pressurised follow up.) Have recommended already and will continue do so as & when.
Mr R Whitehead, Bolton
I was satisfied with the advice given by Jeremy and felt confident going forward but the future of my investment will have to decide if this confidence was correct. The products were explained very well and Jeremy showed very good product knowledge. At no time did we feel under pressure and found Jeremy very patient in going over issues (some several times). I don’t think anything could have been done better. Dealing with Jeremy could not have been better. Very polite, knowledgeable, efficient and good attention to detail. My situation was that I was nearing retirement and needed advice on how to best move forward on 3 pensions. Jeremy gave confident advice on suggesting ways to proceed. Time will tell how good this advice will be but I am confident it will work out OK but let’s see. Yes I would certainly recommend Jeremy and HFS but with the caveat that I need to see the results of the investment for a full on recommendation.
Mr & Mrs D Taylor, Holcombe Brook, Bury
I was given advice about pensions and sorted out with a personal pension that will work for me.
Mr P Jones, Accrington
I received pension advice for my retirement and investment of funds to give maximum benefits for me and my wife in the future. Jeremy showed excellent knowledge of the product offered and the benefits for future growth. I did not feel under any pressure to take up the products offered. I made up my mind after studying information given by Jeremy. He was very helpful and I felt confident in the advice being given.
Mr Marsh, Rochdale
Before any of the meetings with Emma I didn’t have much knowledge of pensions. Emma went through everything very thoroughly explaining different products and which she thought would suit me. Every step was explained so I could understand. After a couple of meetings I had a lot more understanding of pensions and how they work. When I first met Emma I wanted to see if I could consolidate five pensions into one. This for me was the best way to get 25% of my tax free lump sum. I wanted to pay off some debt and be left with some money too. Emma took on the task of working out everything she could do for me and after months of her hard work she has achieved for me what I wanted. I have gone from a person stressing over money matters to a person who doesn’t need to stress. I have a decent understanding of pensions and all of that is down to Emma’s hard work. I was never under any pressure to make any decisions. Everything was explained clearly at meetings and paperwork was given to take home to read. I am looking forward to Emma looking after my pension in the coming years and working with her to achieve the best for me. If I ever know anybody that needs a good financial adviser I would certainly recommend Emma.
Mr M Molloy, Wigan
I received advice on drawing a pension. All options and alternative products were described in detail until we found one that fit my requirements. I didn’t feel under pressure. All options were explained and I had the usual period to cancel. I would recommend Jeremy’s service to others as he got me the best deal from my pensions.
John, Helmshore
The advice I received from Holcombe Financial Services was thorough, personal and very good. I was very satisfied with the technical and product knowledge during our meetings. I did not feel under pressure to make any decisions at any point during the process. I would recommend Emma as she offered very good advice and found us the best deal.
Mr Scott, Bolton
I received back investment advice & pension advice for 3 members of my family and investments for my parents. Jeremy was very helpful he explained things very well and dealt with my parents who are both in the 80’s with sensitivity. He dealt with all the excessive paperwork all of us had, and now we have investments and pensions information which is all together on our own accounts, and can be checked for progress at any time. I have found that if I have a query it is dealt with straight away and we feel comfortable with the team involved in asking questions. There was no pressure at all. Everything was done quickly (as requested) as we wanted to move from previous advisor ASAP. Jeremy came across at initial meeting as a very likable person and by the end of the meeting I felt comfortable dealing with him. We had lots of problems with previous advisor and needed to move our investments away from him. Some of these investments and pensions are still ongoing as we have had to involve the ombudsman and Jeremy listened to the problems we had and advised the best way he could in this situation. I asked him to also help with my parents investments as they had got to the stage where they did not know what they had invested and where with previous advisor. The vast amount of paperwork they gave him must have taken some time to sort out and when the investments had been moved and re-invested he took all the old paperwork away to shred for myself and my parents. He is now looking at my sons pensions and hopefully will be able to do the same with my husbands if he gets anything back from complaint to ombudsman. Now most of this sorted it is a great weight of my mind. I would recommend him to friends and family.
Mrs Shaw, Rochdale
I had some money that came available from a 5 year bank account savings scheme and I was looking to find the best way of maximising my savings. Emma explained ways of investing my money to get the best possible outcome that suited me. Emma was very knowledgeable about the types of investments that would suit me. She understood my needs and my concerns completely and guided me towards the best option for me. I was completely happy with the way Emma handled our discussions and didn’t feel under pressure to sign for something I didn’t want. Emma explained to me all about the options and I can’t see that she could have done more than she did. I was very happy with the way Emma dealt with my enquiries when I first spoke to her. I had never had any dealings with investments and it took me some time to get my head round it. Emma was very patient with all my concerns and did her very best to explain to me the ins and outs of these investments and which one would suit me the best. I would happily recommend Emma to other people.
Mrs Chadwick, Bolton
About us

Established in 2012, the team of Chartered Financial Planners at Holcombe Financial Services has many years’ experience providing practical Independent Financial Advice to people, families and businesses in Bury, the surrounding area and throughout the UK.

Our core service is Wealth Management. We devise strategies for our clients and ensure these are regularly reviewed. At HFS we insist on having the latest state of the art technology to aid the advice process, high quality staff and a personalised up to date client proposition that delivers peace of mind.

We provide advice across a wide range of services including wealth management, retirement planning both pre and post retirement, investment, savings, mortgages and protection. We are committed to putting clients at the heart of everything we do and to developing long-term relationships with our clients. This is achieved by ensuring that we understand the individual needs of each client, and by implementing tailored financial plans to address those needs.

At Holcombe Financial Services, we pride ourselves on the friendly and approachable nature of our advisers and staff, and upon serving the local community.

Our services

We are Chartered Financial Planners committed to offering advice at the highest level. Our aim is to help individuals and businesses to achieve their financial goals. Our approach is straightforward. You tell us about your current situation and about your financial objectives and when you want to achieve them. We develop a practical plan designed to help you meet those objectives. We’ll discuss the plan with you and agree the course of action you want to take. Our advice takes in Whilst the final decisions are of course yours, we’re here to help and guide you with jargon-free advice.

Where to find us
Head office address: 1 Market Chambers, Market Place, Ramsbottom, Bury, BL0 9AJ
Service coverage
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£50,000
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
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    Telephone
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    Online (Live chat, video, email)
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    Face to face
Make an enquiry Request a call back Recommend to a friend
Response rating
9.5/10
phone Show number
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FCA authorised
Last authorised 26th July 2021

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