Obsidian Financial

Independent Financial Adviser  27 Hannon Road, Birmingham, West midlands, B14 6BS
First meeting at adviser's own cost
Open Honest Transparent Financial Advice. Working with you - to help you achieve your goal and realise your ambitions.
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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Payment protection insurance
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Small business
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Travel
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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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Long term care
Response rating
7.0/10
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FCA authorised
Last authorised 24th February 2020
Meet our advisers
Gem Durham Dip (PFS)
IFA

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 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.

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, lifetime mortgage products, 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 examination assesses a knowledge and understanding of investment products and the risks involved.

What our clients say
​I found Gem Durham to be very helpful and concerning in relation to my pension transfer she was very knowledgeable and was a great help to myself.
Alan Jarvis, Birmingham
Gem is the perfect Financial Adviser for me and has done a great job in sorting out my messy pensions and investments, and achieving far better returns than I could have done on the high street. I absolutely trust that her advice will be considered, thorough and appropriate. I chose her from the Unbiased listing as she is local to where I live and this appeals to me - in the early stages she would pop round if I had any queries. Gem is friendly and chatty, but always professional. The thing I have most feared when hiring an IFA is to be put under pressure to take out a particular plan. I have never felt any such pressure from Gem. I recommend her wholeheartedly.
Val Dillon, Kings Heath
I found Gem after a prompt response by Obsidian Financial to an internet search for a CETV Financial Advisor. Gem was extremely efficient in her dealings throughout the CETV transfer process, including initial information gathering, advice, and administration process. Gem was excellent at following up queries, and in dealing with both the defined benefits pension scheme and SIPP scheme that the CETV was transferred to. Overall excellent. D Cairns Director of Asian Business Development Asset Management.
Douglas Cairns, London
About us

Offering independent financial advice to individuals and businesses.
We start the process by gaining an overall understanding of your goals and ambitions, and then help you to plan to achieve those desires.
Your financial plan will change overtime as life events take place or changes in the market occur, we will be there to support you to adapt your plan to the changing circumstances.
In the current economic climate financial planning is becomming an ever more complex issue. My purpose is to work with you, to help you make informed and appropriate choices.

Our services

We take each individual person or company as just that - an individual. We offer a service to suit your unique individual circumstances and aspirations.
We genuinely care about our clients, we take pride in what we do and we ensure we deliver our promises together with a strong emphasis on customer service.
It is these simple but all important qualities together along with our knowledge and expertise that differentiate us from the rest and ensure we build lasting and trusted relationships with our clients.

Where to find us

27 Hannon Road, Kings Heath, Birmingham, West Mids, B14 6BS

Preferred clients
Minimum wealth (income/assets)
£0
Minimum pension value
£50,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 24th February 2020

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