Providus Financial

Independent Financial Adviser  Providus Financial Ltd, London, Greater london, E4 9LD
First meeting at adviser's own cost
We’re Lifestyle Financial Planners, helping our clients to identify, achieve and maintain their ideal life.
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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Bad credit
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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 commercial property
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Buying first home
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Buying overseas
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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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OEICs
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Socially responsible investments
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Unit trusts
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Lump sum
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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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Healthcare
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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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Commercial mortgages
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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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Group risk
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Long term care
Response rating
7.0/10
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FCA authorised
Last authorised 3rd August 2020
Meet our advisers
Antony Smith
Director

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

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

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 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.

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

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

What our clients say
Antony has been helping my husband and I to organise our pensions, finance some home improvements and ensure our future wishes for our home and estate and met. His advice has been really clear, easy to understand and extremely helpful. I would thoroughly recommend him to anyone looking at truly independent financial advice.
Beverley, Highams Park
From the first Antony has been absolutely brilliant in giving us the frank advice we needed about mortgaging our house, and setting up a trust fund. He has always worked very quickly to find the best offers from lenders and providers to suit our needs, and has been efficiency itself in expediting the processes of securing loans, and setting up our trusts. I really don't think Anthony could have done more for us, given our needs and circumstances. I can't really recommend his friendly and efficient professionalism enough. recommend him to anyone looking at truly independent financial advice.
Pete, York
Antony has given excellent advice and been incredibly knowledgeable, insightful and professional. Honestly, I can't fault Antony. He's been fantastic.
Paul, Walthamstow
I have been working with Antony and his team for the past four years and have recommended his services to many of my contacts and friends. Antony has achieved the best mortgage products to benefit my changing financial situation. He has helped me to plan an early retirement from the NHS, enabling me to become self-employed and work part-time.
Shameem, Walthamstow
I met Antony four years ago when I needed to invest some funds that I'd been appointed trustee of, as well as some personal finances I needed help with. Immediately I felt at ease with Antony, and I trust his advice 100%, which is praise enough as I'm generally cynical when it comes to dealing with money! I wouldn't hesitate in recommending Antony's services to anyone, and - indeed - have done.
Michaela, Walthamstow
Providus has been brilliant at listening to our needs and tailoring a suite of financial services to them. We had asked a previous financial adviser about setting up life and critical illness insurance for us because of our son - and each time the monthly payments that were quoted weren't affordable. We told the adviser this but he made no effort to amend the cover or quote to fit our requirements so we never went ahead. With Antony at Providus, he explained the different elements, asked us what was important and then worked out cover that met our needs - and was affordable. I wish we'd found him five years ago! In fact, all the advisers there are friendly, knowledgeable and patient - I couldn't recommend Providus more.
Rebecca, London
Thanks to you and your team for helping us make this happen. I've been a bit of a pain and appreciate all the support & advice. Our solicitor, who is often quite dismissive of IFAs, was quite complimentary of Providus as I've been so well informed and prepared with these rather complex finances.
Marc, London
About us

Providus was set up in 2015 by our Director, Antony Smith, who is a Chartered Financial Planner with Fellowship status. Our firm holds the Pension Transfer Gold Standard, accredited by the Personal Finance Society.

We typically work with people who fit into one or more of the following categories:

• Planning for retirement: We help people in their 50s to plan for a fulfilling future so that retirement is a smooth and easy transition.

• At retirement: We help people in their 60s establish their retirement income, making adjustments to ensure they achieve their desired lifestyle.

• Already retired: We work with people who have already retired to mould their income to their goals and plan for the future of their estate.

• Families: We help parents ensure that their finances support every element of family life, from present day needs to long-term aspirations.

• Business owners: We work with business owners to examine the financial side of work and home life in one cohesive strategy.

• Children of parents going into care: We assist children of elderly parents, establishing how to best manage the cost of care.

Our services

There are many reasons why our clients choose to work with us:

• We are Lifestyle Financial Planners: We align your financial plan with your life goals and values. Lifestyle Financial Planning is centred on you, rather than on your money.

• We are independent: We have the freedom to select financial products from the whole of the market; this aligns with our commitment to honest, unbiased advice.

• We are a trusted local firm: Our clients come from all over London and the surrounding areas, but most are based close to us in Walthamstow, Highams Park, Chingford and Leytonstone.

Where to find us
Head office address: Providus Financial Ltd, 20 The Avenue, Greater London, London, E4 9LD
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£250,000
Advice methods
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    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
7.0/10
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FCA authorised
Last authorised 3rd August 2020

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