Personal Asset Management

Independent Financial Adviser  3 Fore Street, Kingskerswell, Devon, TQ12 5HT
“We offer easy to understand, whole of market advice on Pensions, Investments, Inheritance Tax and Mortgages.”
We can advise you on
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Annuity purchase
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Pension consolidation
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Pension drawdown
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Pensions & retirement planning
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Pensions review
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SIPPs
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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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Mortgage protection
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Next home / Remortgaging
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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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Savings for children
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School fees planning
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Accident & sickness
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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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Long term care
Response rating
9.8/10
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FCA authorised
Last authorised 10th August 2020
Meet our advisers
Ian Pennicott APFS Chartered Financial Planner APFS
Chartered Financial Planner

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

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.

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 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 examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.

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.

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.

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.

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.

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.

At the end of this unit candidates should be able to analyse and apply financial information and portfolio management skills

This exam accesses understanding of the financial services industry including regulation and legislation.

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

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

Accreditations
Chartered Financial Planner
Oliver Pennicott
Independent Financial Advisor

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 the mortgage process and the principles of equity release.

What our clients say
I was reviewing my pensions following a job change and Ian provided a plan to pull together my personal and company pensions. The service is excellent, Ian takes the time to clearly explain any recommendations he makes and he provides very clear information at every review. He ensures I am happy and understand any changes to the investment plan, a personal service which I can't recommend highly enough and has exceeded my expectations.
F S, Paignton
About us

We are a local family run business of Independent Financial Advisors, including a Chartered Financial Planner with over 40 years’ experience.

Working closely with our clients to understand and prioritise their financial goals we offer solutions that can address their concerns such as the provision of income in retirement, capital growth to fund potential long term care costs, passing family wealth down the generations in the most tax efficient way or buying your dream home.

As Independent Financial Advisors we are able to search the whole market for the most suitable investment, pension solution or most appropriate mortgage available.

For our investment and pension clients we offer an ongoing service which provides annual reviews, half-yearly investment reports, quarterly valuations and monthly investment commentary. By providing this ongoing service we establish a long-term relationship with our clients which is crucial when arranging long term financial planning.

Our services

We offer easy to understand advice either via the phone, video link or in person. Our clients tell us that we take any confusion or worry out of their situation by taking our time to explore their financial goals and preferences and provide solutions specific to their needs

Where to find us
Head office address: 3 Fore Street, Kingskerswell, Newton Abbot, Devon, TQ12 5HT
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£50,000
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
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.

Response rating
9.8/10
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FCA authorised
Last authorised 10th August 2020

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