Stem Financial Ltd

Independent Financial Adviser  Yester Road, Chislehurst, Greater london, BR7 5HR
First meeting at adviser's own cost
If anyone is feeling worried and/or concerned about their finances, I would be more than happy to be a voice of reason during this rather chaotic time.
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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Socially responsible investments
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Traded endowment policies
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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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Buildings and contents
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Commercial motor
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Critical illness
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Healthcare
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Home and leisure
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Income protection insurance
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Large business
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Life insurance
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Small business
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Travel
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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 ISA
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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 29th June 2020
Meet our advisers
Ben Baldwin DipPFS, Certs CII (MP & ER)
Financial Planner

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 an ability to analyse financial protection planning issues.

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 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.

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.

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

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

This qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits

What our clients say
My husband and I had recently got to the age where we were starting to think about retiring! We thought that we would need to start some serious planning if we wanted to retire early (the dream would be by age 60) and so we engaged the services of Ben to help us look at what we had and what we needed to do to make the dream a reality. Ben asked lots of questions about our needs and wants as well as our assets and financial commitments which resulted in a comprehensive report outlining our options. Ben’s approach is direct, honest and thorough which really built our confidence and he took time to explain and guide us through the report. With his expertise we were both able to take early retirement.... 4 years earlier than planned! We have been so thankful for the advice and support Ben has given us and continues to give us, recognising that without his financial expertise we would not be in the healthy financial position we are in today.
Mr & Mrs Mansfield, London
I was introduced to Ben through my son to help me invest my inheritance from my parents. I have never had to deal with large amounts of money and the whole thing scared me. We met up in a non threatening coffee bar in London and chatted about what I wanted out of life, things I had coming up and my dreams. I had four more years at work in a job where the enjoyment had gone completely but no way of retiring early. I must admit the paper work scared me but Ben did his upmost to make it simple and understandable for me. Ben answered any queries quickly and let my son be included in the loop to help me understand things. When all things were sorted and everything covered, Ben arranged so I could retire straight away I wasn’t sure who was happier me or Ben! Would I recommend?...it’s a yes from me!
Ms Rudd, Sidcup
We have recently taken early retirement. This was due in part to the excellent service we received from Ben Baldwin. His skills, expertise and advice have meant our finances are working for us, giving us a good quality of life. Ben was professional, courteous and understanding of our specific needs and questions. We would highly recommend Bens work.
Mr & Mrs Jorden, London
Ben has recently started helping us with our financial planning. We are impressed with the clarity, passion and integrity with which he works. Understanding finances can be very confusing but Ben finds ways of making things clear. The obvious enjoyment and knowledge he has of his subject help enormously with that quantity of communication. Added to this, the fact that Ben won't sell you what you won't benefit from makes him easy to recommend.
Mr & Mrs Daniels, Chislehurst
About us

/stɛm/ : providing an axis to flourish

We provide independent financial advice to:

- Online influencers & music artists
- Successful business owners
- People who aspire to retire
- People who want to retire now

Stem Financial Ltd was founded by Director and Financial Planner, Ben Baldwin. We are based in Gloucester, Gloucestershire, typically working with people who live in Gloucestershire, Buckinghamshire or London.

First and foremost, we are financial planners. That means we start by taking time to understand the aspirations you have for your life and family over the short, medium and long-term. We’ll then put a plan in place, organising your finances in a way that will help you best achieve your goals.

We pride ourselves on providing financial planning that is personal and jargon-free, helping to propel you towards the life you always envisioned.

Initial meetings, when we start getting to know each other to decide whether we are the right adviser for you, are always held without cost or obligation.

Our services

•listen to you
•present our advice in an easy to understand manner
•be transparent in our dealings
•fully document what we have done and why
•enable you to fully access ALL your financial information from any where
•ensure you are financially organised and your situation is clear
•see your objectives through by providing continuance of advice with the same team
•maximise your investment returns
•minimise your tax liabilities
•balance and manage your financial risks
•ensure you and your family are financially protected
•provide fully independent mortgage advice
•seek to do what others do not

Where to find us
Head office address: Yester Road, Kent, Chislehurst, BR7 5HR
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£100,000
Minimum mortgage value
£125,000
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
9.0/10
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FCA authorised
Last authorised 29th June 2020

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