M F S Independent Financial Advisers

Independent Financial Adviser  235 The Broadway, London, SW19 1SD
First meeting at adviser's own cost
Based on Wimbledon Broadway since 1987, our Chartered and Independent Financial Advisers provide independent advice on all aspects of financial planning including: investment, pension and retirement advice, tax efficiency for financial planning strategy, cash flow modelling, life & critical illness protection and inheritance tax mitigation
We can advise you on
check
Annuity purchase
check
Auto enrolment
check
Defined benefit
check
Pension consolidation
check
Pension drawdown
check
Pensions & divorce
check
Pensions & retirement planning
check
Pensions review
check
Pensions transfer
check
SIPPs
check
Stakeholder
check
Buying commercial property
check
Equity release
check
Mortgage protection
check
Wealth management
check
Ethical investments
check
ISA / Unit Trusts / OEICs
check
Investing for income
check
Investment trusts
check
OEICs
check
Offshore investments
check
Socially responsible investments
check
Unit trusts
check
Lump sum
check
National savings
check
Regular savings
check
Savings for children
check
School fees planning
check
Accident & sickness
check
Critical illness
check
Healthcare
check
Income protection insurance
check
Life insurance
check
Capital gains tax
check
Estate planning
check
Income tax
check
Taxation planning
check
EEA
check
Rest of world
check
Commercial mortgages
check
Corporate pension
check
Employee benefits
check
Group ISA
check
Group Pension/Stakeholder
check
Group Protection/Life Insurance
check
Group critical illness
check
Group income protection
check
Group life insurance
check
Group private medical insurance
check
Group risk
check
Long term care
Response rating
9.0/10
check
FCA authorised
Last authorised 25th October 2021
Meet our advisers
MR David Culleton Dip CII Cert CII (MP) CeMap
Senior Independent Financial Adviser

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

This qualification assesses the knowledge and understanding of the UK regulation environment in the financial services industry together with various types of mortgage products and repayment options and the giving of mortgage advice. Chartered Institute of Bankers in Scotland (CIOBS) qualifications are subject to a separate grading with the Scottish Credit and Qualifications Framework (SCQF) - www.scqf.org.uk

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, 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 assesses a knowledge and understanding of the financial services industry including: regulation and ethics, personal taxation, investment principles and risk, pensions and retirement planning, financial protection

MR David Dodds FPFS
Chartered Financial Adviser

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.

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 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 UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

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: 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.

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: 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 the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.

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

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

Accreditations
Chartered financial planner - individual adviser accreditation
MRS Petra Spirkova
Chartered Paraplanner

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

This qualification assesses a broad understanding of the principles of private client investment within the context of the current regulatory environment

This qualification is a specialist qualification which demonstrates a knowledge and understanding of Financial Markets, Portfolio Construction Theory and Applied Wealth Management.

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 Margaret Roche
Manager / Paraplanner

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 qualification helps advisers develop and demonstrate their financial planning capabilities. 

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

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

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.

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

Having achieved the IFS Level 6 Diploma in Financial Advice, 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.

Mr Leon Rhoades
Wealth & Financial Adviser

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

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 qualification helps advisers develop and demonstrate their financial planning capabilities. 

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 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.

Mr Tim Bottoms
Senior Independent Financial Adviser

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 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 UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

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 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.

This exam accesses understanding of identifying and satisfying client needs.

Accreditations
Certified Financial Planner
What our clients say
Thank you very much for all your time and effort into my financial planning. I was very impressed with the Voyant financial planner, especially as even I could understand it!
S Crane, Wimbledon SW19
This letter is to say a big thank you to you personally for many years of excellent financial advice and also to other people in the firm who have contributed, particularly Lesley Bowers, whom it has always been a real pleasure to deal with.
David & Hasel Collins, Edinburgh
Thank you for all your sound advice and assistance. We will certainly be consulting you again in the future and will have no hesitation in recommending you to our friends and colleagues.
Anne Douglas, West Wimbledon SW20
This is first to say I'm delighted with the progress of the ISA and to thank you very much for looking after my finances so well.
Kerry Brunt, Merton Park SW19
I would like to thank you for the financial benefits I have received as a result of your expertise in the past.
Cyril Thomas, Merton Park SW19
Thank you so much for your help and kindness to me over quite a number of years.
L. Lorna, Wimbledon SW19
Thank you so much for your help. You have been brilliant, I feel more able to cope, thanks for your support.
Mrs S Frank, SW15
May I take this opportunity to thank you for your highly efficient and competent assistance. I hope that in future I can rely on your professional advice and guidance whenever the need arises
N Naydeno, Wimbledon SW19
The Investment you set up for me was indeed a good one and continues to be. The Legal & General investment also continues to bring me the necessary amount to live comfortably, albeit quietly at the age of nearly 89! I have both of these investments to thank you for which I am very greatful. With the current world wide troubles you will have much to consider, I can only put my trust in MFS and their expertise and thank you for your guidance in the past few years.
Evelyn Ancroft, Hurstpierpoint W. Sussex
It's been 25 years- where have they gone? I would like to say thank you for all the sound advice and recommendations. In these days of miss-selling and the constant media focus on the dirty doings of the financial services industry I can honestly say I've never doubted the quality of service you offer and the integrity with which you do business. It's been a pleasure. Many thanks.
David Burroughs, Tring Hertfordshire
About us

Operating from prominent high street offices at 235 The Broadway Wimbledon SW19, MFS is a well-known and respected independent financial advice company with a track record stretching back over 50 years.

All MFS advisers are qualified with the Chartered Insurance Institute or Institute of Financial Services and hold the requisite Financial Conduct Authority (FCA) approved financial planning qualifications up to the highest level of a Chartered Financial Planner. All advisers receive on-going professional development and training.

Initial, exploratory consultations are without charge. Fee structures are always formally provided and the client's agreement confirmed before any fee based work is undertaken.

The MFS advice process embraces a personal, tailored service provided by the financial adviser who in turn is supported by a dedicated Client Support Manager. The adviser will keep clients updated on legislative changes and advise on all aspects of on-going financial planning and the options most appropriate for changing objectives and circumstances.

Advice is provided on all areas of financial planning including investment advice for income or growth, pensions & Income Drawdown , pension transfers including Final Salary transfers

MFS has adopted the Pension Transfer Gold Standard ensuring MFS clients receive advice beyond regulatory requirements when transferring their pensions.

Our services

MFS provides a high quality financial planning service and pre-scheduled on going financial reviews. This is to ensure the arrangements put in place, remain "good for purpose" as circumstances, requirements and legislation change.

The aim of MFS is to build a long term relationship with each client in order for them to feel comfortable and confident in the financial planning arrangements made.

Additionally, specific one off advice is provided for clients who require advice on a particular problem, subject or product.

Where to find us
Head office address: 235 The Broadway, Wimbledon, London, SW19 1SD
Preferred clients
Minimum wealth (income/assets)
£101,000
Minimum pension value
£101,000
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
  • phoneButton
    Telephone
  • mouse
    Online (Live chat, video, email)
  • icons
    Face to face
Compliance

MFS operates in accordance with the FCA compliance regulations.

Response rating
9.0/10
check
FCA authorised
Last authorised 25th October 2021

Similar advisers near you

Independent Financial Adviser 0.28 mi
We specialise in the pension and equity release areas and also offer the option of a performance based ongoing service.
 
Independent Financial Adviser 0.41 mi
An independent financial advice firm advising people who are either building up their wealth, thinking of retiring soon or already retired. We give you the confidence and security to enjoy your wealth, both now and in retirement.
 
Independent Financial Adviser 0.43 mi
We provide our client's with tailored financial advice focussing on their needs and objectives and attitude to risk.
 
Independent Financial Adviser 0.44 mi
We offer Independent Financial Advice and offer every client a bespoke solution to their needs. All 1st consultations are free so there is nothing to lose and everything to gain.