Lothbury Pendil Chartered Financial Planners Limited

Independent Financial Adviser  The Workshop, Folkestone, Kent, CT20 1JU
First meeting at adviser's own cost
Based in London and the south east our team will work with you to create a bespoke financial plan.
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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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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Critical illness
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Healthcare
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Income protection insurance
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Life insurance
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Payment protection 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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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
9.0/10
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FCA authorised
Last authorised 14th June 2021
Meet our advisers
MR Nathan Harris FPFS, MCSI
Chartered Financial Planner

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.

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

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

This examination assessed knowledge and understanding of income generating options and applying the knowledge to retirement planning situations.

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.

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 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: 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.

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

At the end of this unit candidates should be able to analyse and apply financial information and portfolio management skills

Accreditations
Chartered Financial Planner
MR Oliver Phillips DipPFS
Chartered Financial Planner

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

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.

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.

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.

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.

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 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.

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 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: 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 assesses a knowledge and understanding of the mortgage process and the principles of equity release.

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.

Accreditations
Chartered Financial Planner
What our clients say
Nathan has been our family Financial Adviser for the past 6 years. During this time he has offered us timely, astute and comprehensive advise concerning a range of policies and investments to the benefit of our entire family. This has incorporated investments enabling our youngest son to progress through Independent school, our elder sons to study at University, arranging pension funds for each and advice regarding wills. Unlike previous advisers we have encountered Nathan has singled himself out due to his proactive approach regarding our finances and policies. As a result our finances have been resilient when the markets have suffered numerous fluctuations due to the fact Nathan's knowledge ans expertise has enabled our investments to be in the right place at the right time. Nathan is a hard working, conscientious, reliable and trustworthy advisor who has given us peace of mind. He is a very approachable and likeable young man who takes the interests of his clients very seriously. We have no reservation in wholeheartedly recommending Nathan to you.
A & C Arthurton, Norfolk
Nathan is an excellent listener, in that he hears the message that you are trying to impart and concentrates his efforts on delivering the service that you require, rather than advising on a product that he thinks that you might need. This is in stark contrast to some other financial advisors that I have used. He explains the products well and makes absolutely clear when he thinks that an existing scheme can be bettered and in what timescale.
P Barry, Dover
About us

Using the cornerstone of a strong investment process, Lothbury Pendil provides solutions to an individuals investment, pension and tax planning needs.

Lothbury Pendil has a wide and diverse client base, and as a testimony to their reliable and effective methods, the business is built predominately through client referrals. So, whether you're planning for the future, already enjoying your retirement or you're somewhere in-between, we can provide a bespoke service based on your current needs.

Our services

Lothbury Pendil is a firm of Chartered Financial Planners who specialise in helping private clients and small business owners to achieve their financial goals.

Like you, we are individual and independent. We won't try to aggressively promote a particular investment, encourage you to follow fads or categorise you.

Our team will work with you to create a bespoke financial plan based on your needs and your needs alone.

Where to find us
Head office address: The Workshop, 32-40 Tontine Street, Folkestone, Kent, CT20 1JU
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£50,000
Minimum mortgage value
£0
Advice methods
  • icons
    Face to face
Compliance

Lothbury Pendil Chartered Financial Planners is a trading style of Lothbury Pendil Financial Services Limited, an appointed representative of TenetConnect Limited; which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales, company number 07123731. Registered address: 8 Laurence Pountney Hill, London, EC4R 0BE.

Tax treatment is based on individual circumstances and may be subject to change in the future.

A pension is a long term investment. The fund value may fluctuate and can go down, your eventual income may depend on the size of the fund at retirement, future interest rates and tax legislation.

The value of investments and income from them can go down; you may not get back the original amount invested.

Response rating
9.0/10
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FCA authorised
Last authorised 14th June 2021

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