Pembroke Financial Services Ltd

Independent Financial Adviser  Marlborough House, Shoreham-by-Sea, BN43 5DB
First meeting at adviser's own cost
"The single biggest difference between financial success and financial failure is how well you manage your money" Let's talk
We can advise you on
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Annuity purchase
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Auto enrolment
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Defined benefit
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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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Building your home
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Buy my next home
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Buy to let
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Buying first home
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Equity release
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Flexible mortgages
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High loan to value
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Mortgage protection
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Next home / Remortgaging
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Right to buy
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Self-employed mortgages
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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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Income tax
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Taxation planning
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Rest of world
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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
7.0/10
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FCA authorised
Last authorised 15th August 2022
Meet our advisers
Mr Seb Lewis Dip PFS
Independent Financial Adviser

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

Mr Chris Hughes DipFA
Independent Financial Adviser

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.

The Diploma enhances knowledge in core areas such as regulation, investment principles, risk, taxation and personal financial planning using real-life scenarios to develop the essential skills to apply this technical knowledge in practice

Mr George Denham
Chartered Wealth Manager

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

This exam accesses understanding of the financial services and their regulation.

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 postgraduate finance qualification covers the areas of securities, investment, compliance, derivatives, corporate finance and operations. It provides flexibility and choice, enabling candidates to concentrate on areas relevant to their chosen career path

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

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.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

The CFA Program has been described as the gold standard qualification for the investment industry. This program thoroughly covers a broad range of investment topics including asset valuation, financial mathematics, corporate finance and portfolio management

This examination assessed knowledge and understanding of income generating options and applying the knowledge to retirement planning situations.

This examination assessed knowledge and understanding of the range of investments available for planning of pensions and to be able to apply the construction of a pension portfolio management for a client.

This examination assesses a knowledge and understanding of financial protection plans.

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 including regulation and legislation.

This exam accesses understanding of the financial services industry, and its regulation, products and processes.

This exam accesses understanding of protection, savings and investment products.

This exam accesses understanding of identifying and satisfying client needs.

Mr Keith Relf Cert PFS
Managing Partner (Non Advisory)

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 CertPFS (DM) and individual needs to pass 2 diploma units in Regulation and ethics and Discretionary Investment Management

What our clients say
"As first time buyers with some complications (self-employment, purchasing in a different geographic location), we were told by other mortgage brokers that we could not get a mortgage. From the moment we spoke to Jill, all the puzzle pieces fell into place as she calmly and reassuringly explained our options and handled the application for us, and I am happy to say that we are now living in our very own home! Thank you, Jill, for making our dream possible, and we would wholeheartedly and without hesitation recommend Jill's services."
Ms Hyde, Colchester
..."Dear Keith (Bonner), Thank you very much for your time today, your help going through my Investments and Pensions and your advice concerning the future it will really help me plan the next 5 years . As I mentioned I am extremely grateful to you and all at Pembroke for all your good advice over the last 15 years or so which has certainly borne fruit. Best Wishes
Andy Setten, Worthing
…”Many thanks for your latest six-monthly review. As you can imagine, we are delighted with the results and want to thank you very much for your stewardship. I know that it is your professional attention to detail and your objective involvement which is responsible, but you do seem to have that extra “flair” – and its working well for us.”
Mr & Mrs H, Sussex
About us

Now in our 29th year of trading, our Company is one of the leading IFA practices in Sussex with 11 qualified regulated Independent Financial Advisers of whom 2 have achieved Chartered Financial Planner status; a Principal Mortgage and Equity Release Adviser and 17 client and business support staff.

We aim to provide personal tailored financial solutions in a professional and unbiased manner at a reasonable cost.

We are committed to high standards, not only in terms of the quality of our financial advice but also in the ongoing client review and service programme provided by a friendly, highly motivated team which is supported by state of the art, secure, financial technology systems.

We are happy to see clients at home, by video conferencing such as Teams or Zoom, at their place of work or at our main offices in Shoreham and Staplefield or , indeed, at our Brighton or Haywards Heath offices.

Our services

We always treat our clients as we, ourselves, would like to be treated.

Modern Wrap technology drives Pembroke's unique, discretionary, actively managed, risk graded investment strategies and significantly reduces the paperwork mountain for our clients and has improved our unique investment proposition and our ongoing service offering markedly over the past 13 years.

This Wrap technology has revolutionised money management in the UK and our Active Money Management proposition, under which we actively manage £497 million of our client's capital, is at the very heart of Pembroke Financial Services.

Where to find us
Head office address: Marlborough House, 102-110 High Street, Shoreham-by-Sea, BN43 5DB
Service coverage
Preferred clients
Minimum wealth (income/assets)
£51,000
Minimum pension value
£51,000
Minimum mortgage value
£101,000
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Compliance

Your home may be repossessed if you do not keep up repayments on your mortgage.

Pembroke Financial Services Limited is Authorised and Regulated by the Financial Conduct Authority. We are entered in the Financial Services Register under number 228341, <url hidden>.

Response rating
7.0/10
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FCA authorised
Last authorised 15th August 2022

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