Optimum Independent Financial Advisers Limited

Independent Financial Adviser  Optimum Independent Financial Advisers Limited, Colchester, CO1 1WD
First meeting at adviser's own cost
Independent financial advice 'without bias, prejudice, influence or pressure'
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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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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Critical illness
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Income protection insurance
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Life insurance
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Capital gains tax
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Estate planning
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Taxation planning
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Corporate pension
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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
7.0/10
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FCA authorised
Last authorised 29th November 2021
Meet our advisers
MR John Arrowsmith APFS
Director & Chartered Financial Planner

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

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.

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.

Having achieved the APFS designation, 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.

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

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 legislative and regulatory position of home reversion plans and their place in the advice process.

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

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.

Accreditations
Chartered financial planner - individual adviser accreditation
Mr Tosh Naylor
Director & Chartered Financial Planner
Mr Gary Naylor
Managing Director
Mrs Rick Patmore
Financial Planner
Mr Stephen Biggs
Financial Planner
Mrs Georgina Kitteridge
Financial Planner
Mr Simon Harding
Financial Planner
What our clients say
I have always received friendly, immediate, and sound advice with extremely efficient administrative follow up from all relevant members of Optimum’s team and have recommended Optimum’s services to all my friends.
Stephen L, Colchester
As per usual Optimum have been extremely professional and understood about all the dealings with my yearly review. We are very happy with the information we have received from you and look forward to our continued partnership. Thank you once again.
Malcolm O, Colchester
Everyone with whom I have had contact at Optimum has been very friendly and approachable, as well as being extremely knowledgeable and helpful. I feel that my best interests are at the forefront of all the advice I have received. I have been advised regarding certain financial issues that I never realised I had, which has given me the opportunity to address them myself, where possible. I am more than satisfied with the service I have received.
Kathryn T, Colchester
We have recommended Optimum to several friends and they like us have been more than satisfied with the service and professionalism that we have received. We feel very confident and happy with how our money is managed.
Patricia W, Colchester
Optimum’s staff have always been polite, helpful, professional and cheerful. Nothing ever seems to be too much trouble for them, their customer service focus is excellent. We have always been provided with excellent advice and service and trust them to continue doing so into the future.
David G, Colchester
As an ex financial adviser I am completely satisfied with the service and sound advice that Optimum always gives to my wife and myself. Nothing is ever too much trouble and the office team are always on the ball. Thank you.
Martin S, Colchester
Excellent professionalism all round – especially no-nonsense valuable tailored and open advice without trying to continually push/sell other services. Staff and communications always clear and professional.
Guy P, Colchester
We have great confidence in our dealings with Optimum, we appreciate the patience with which we are dealt and the support we are given to make decisions. Our attitude to risk taking has been strengthened. We have already recommended Optimum to others!
Alan & Jill J, Colchester
I am able to talk frankly with my advisors to determine what’s best for me, however the final decision is always mine.
James C, Colchester
Perhaps some cake as well as coffee at the next review meeting. Otherwise the arrangements were flawless and the banter superlative!
Peter D, Colchester
I fully trust Optimum with my money. He is very friendly and not at all pushy. He understands our goals and advises accordingly. I know I have to pay for Optimum’s services but I feel that it is money well spent. They do all the hard work and I just watch it grow (hopefully!) on my App.
Julie S, Colchester
I am completely relaxed about my financial affairs because I have complete faith in the service which the members of Optimum provide.
Alan H, Colchester
I am completely relaxed about my financial affairs because I have complete faith in the service which the members of Optimum provide.
Barri H, Colchester
I have been consistently happy with Optimum’s service over many years. The information provided, both oral and written, is always clear and concise and I feel able to ask ‘silly’ questions without fear of being patronised or buried in jargon. The administrative support too is prompt, helpful and accurate.
Frances S, Colchester
About us

Optimum is a fully authorised and FCA regulated independently owned financial adviser firm, established in 1995. Since then the firm has grown via recommendation and reputation to be one of the largest and pre-eminent independent adviser firms in the Colchester and surrounding area, providing bespoke financial advice to both Private and Business clients.

Optimum’s business ethic is founded on treating customers fairly and building long term client relationships as a result. With advisers amongst the highest qualified in the industry, being supported by a dedicated and experienced administration team, the core ethic of the firm is encouraged by the Directors and shared by all members of the team.

Determined to not sit on our laurels or to take anything for granted we continually strive, without compromise, to provide an unrivalled client experience.

We are based in modern offices in St Peters Court, Colchester complete with state of the art industry technology and contemporary surroundings thereby giving us the perfect environment to expand and enhance the services we can offer to both existing and new clients.

Our services

Investment Planning
Pension Planning & Retirement Options
Life Assurance & Protection Advice
Estate Planning & Specialist Tax Advice
Corporate Financial Planning

Where to find us
Head office address: Optimum Independent Financial Advisers Limited, 8-9 St. Peters Court, Middleborough, Colchester, CO1 1WD
Service coverage
Preferred clients
Minimum wealth (income/assets)
£51,000
Minimum pension value
£101,000
Minimum mortgage value
£251,000
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
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    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 29th November 2021

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