M F S Independent Financial Advisers
12th August 2019
Our Chartered and Independent Financial Advisers provide:- Investment and retirement advice, financial planning, cash flow modelling, and inheritance tax mitigation
We can advise you on
-
Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions review
- Pensions transfer
-
Financial planning
- Wealth management
-
Investments
- Ethical investments
- ISAs
- Investing for income
- Investment trusts
- OEICs
- Socially responsible investments
-
Savings
- Lump sum
- Regular savings
-
Insurance & protection
- Accident & sickness
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
-
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
-
Business
- Employee benefits
- Group pensions
- Group protection
-
Long Term Care
- Long term care
Meet our advisers
Margaret Roche
Manager / Paraplanner
Qualifications & Accreditations
CMLIBF - Chartered Member of the London Institute of Banking & Finance
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.
Diploma In Financial Planning (CII)
This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.
CF2 - Investment and Risk (CII)
This examination assesses a knowledge and understanding of investment products and the risks involved.
CF8 - Certificate in Long-Term Care Insurance (CII)
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.
R06 - Financial Planning Practice (CII)
This qualification helps advisers develop and demonstrate their financial planning capabilities.
R03 - Personal Taxation (CII)
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.
R01 - Financial Services, Regulation and Ethics (CII)
This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.
Petra Spirkova
Chartered Paraplanner
Qualifications & Accreditations
CF2 - Investment and Risk (CII)
This examination assesses a knowledge and understanding of investment products and the risks involved.
FP1 - Financial services and their regulation (CII)
This exam accesses understanding of the financial services and their regulation.
FP2 - Protection, savings and investment products (CII)
This exam accesses understanding of protection, savings and investment products.
CF5 - Integrated financial planning (CII)
This exam accesses understanding of the financial services industry, and its regulation, products and processes.
Chartered Wealth Manager
This qualification is a specialist qualification which demonstrates a knowledge and understanding of Financial Markets, Portfolio Construction Theory and Applied Wealth Management.
PCIAM - Private Client Investment Advice & Management (CISI)
This qualification assesses a broad understanding of the principles of private client investment within the context of the current regulatory environment
David Dodds FPFS
Chartered Financial Adviser
Qualifications & Accreditations
R08 - Pensions Update Programme
This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.
J06 - Investment Principles, Markets and Environment (CII)
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.
J04 - Pension Funding Options (CII)
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.
J02 - Trusts (CII)
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.
AF3 - Pension Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.
J05 - Pension Income Options (CII)
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.
J01 - Personal Tax (CII)
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.
G60 - Pensions (CII)
This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.
CF9 - Pensions Simplification (CII)
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.
G10 - Taxation and Trusts (CII)
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.
SV1 - Saving and Investment (CII)
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.
CeMAP - Certificate in Mortgage Advice and Practice (LIBF)
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.
CF1 - UK financial services, regulation & ethics (CII)
This exam accesses understanding of the financial services industry including regulation and legislation.
CF8 - Certificate in Long-Term Care Insurance (CII)
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.
APFS - Associate, Personal Finance Society (PFS)
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.
FPFS - Fellow, Personal Finance Society (PFS)
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.
Accreditations
David Culleton Dip CII Cert CII (MP) CeMap
Senior Independent Financial Adviser
Qualifications & Accreditations
Diploma in Professional Financial Advice (SQA)
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
J06 - Investment Principles, Markets and Environment (CII)
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.
CMAP - Certificate in Mortgage Advice and Practice (CIOBS)
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
R01 - Financial Services, Regulation and Ethics (CII)
This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.
J05 - Pension Income Options (CII)
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.
J01 - Personal Tax (CII)
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.
CF8 - Certificate in Long-Term Care Insurance (CII)
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.
What our clients say
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.
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.
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
Thank you so much for your help. You have been brilliant, I feel more able to cope, thanks for your support.
Thank you so much for your help and kindness to me over quite a number of years.
I would like to thank you for the financial benefits I have received as a result of your expertise in the past.
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.
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.
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.
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!
Where to find us
235 The Broadway, Wimbledon, London, SW19 1SD
Make an enquiryAbout 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.
All 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 encompasses a personal, tailored service provided by the financial adviser who in turn is supported by a dedicated PA. The adviser will keep client's abreast of legislative changes and advice on all aspects of financial planning and any options appropriate for their objectives.
A wide range of financial planning advice is provided encompassing; Investment Advice for Income or Growth, Pensions & Income Drawdown , Pension transfers including Final Salary transfers.
MFS have adopted the 9 Pension Transfer Gold Standard Principles this ensures all MFS clients receive advice beyond regulatory requirements when transferring their pension.
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.
Similar advisers near you
We specialise in the pension and equity release areas and also offer the option of a performance based ongoing service.
We provide our client's with tailored financial advice focussing on their needs and objectives and attitude to risk.
With over 23 years of Industry experience, I offer Independent advice and an on going service as circumstances change.
Award-winning, Chartered financial planning firm delivering unbiased, tailored advice to protect and grow your wealth.
Legal information
While unbiased.co.uk endeavours to verify the information
provided as thoroughly as possible,
it is your responsibility to ensure the adviser you choose is appropriate and regulated
for the business you are transacting.
Any decision to transact business is made by you on the basis
of your own enquiries.
To check that an adviser is regulated, you can contact the relevant regulatory or professional body.
Access to and use of this online IFA directory is subject to unbiased.co.uk website terms and conditions and privacy policy.
