Radcliffe & Newlands Ltd

Independent Financial Adviser  33 Ash Grove, London, N13 5AE
First meeting at adviser's own cost
Helping you to reduce tax, grow your money and provide certainty in retirement and long term care
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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Building your home
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Buy my next home
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Buy to let
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Equity release
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Flexible mortgages
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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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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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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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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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Group risk
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Long term care
Response rating
7.0/10
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FCA authorised
Last authorised 16th November 2020
Meet our advisers
Mel Kenny FPFS
I F A

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This examination assesses the candidate to develop in depth financial planning skills related to business.

To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

At the end of this unit, candidates should be able to demonstrate an understanding of: the main legal forms of business and how they are set up and managed; the consequences of bankruptcy or insolvency; business accounts and financial controls; the taxation of each type of business entity, its owners and employees; the main legal responsibilities businesses have to employees, suppliers and customers.

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.

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 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.

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

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

This qualification assessed a knowledge and understanding of portfolio investment management.

This examination assessed a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.

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.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

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.

Accreditations
Chartered Financial Planner Later Life Accredited Adviser
What our clients say
Thank you so much for your efficient and friendly approach and I would certainly recommend you to others.
Rachel French, Dorset
You have really earned the fees you are due! I am very impressed by the time you have given this and with your patience in dealing with all my questions. You quite correctly recognise me as being risk averse and correctly predict my anxiety if we're hit with a future of rising inflation. I'm sorry for having made this difficult. One thing I can be sure of is that we couldn't have gone through a more thorough process for reaching this decision, and that fact alone means I will lose no more sleep over this. I am happy with the outcome. Thank you again for your forbearance. Date 22/10/2013
Carole, London
Explaining changes to pension scheme: Mel's approach was super, he put everyone at their ease and gave quite complex information (good and bad) to people in an easy to understand way. I was so pleased we went down this route and would recommend anyone in a similar position to do the same. All of us said if we needed other advice in the future we'd return to Mel - we already know him and found him so helpful. Date 29/09/2010
Debbie Stead, Head of Committee Services and International Secretariat at BSI
I was able to increase my income in retirement by INCLUDING provision for my wife on my annuity. Mel also keeps me up to date with developments in the later life financial world as he knows I have an interest from my work. Date 08/04/2013
Clive Evers, North London
About us

Radcliffe & Newlands is a London based firm of Independent Financial Advisers. We provide advice on retirement planning, savings and investments, mortgages, inheritance tax planning and long term care.

Your local adviser is a Chartered Financial Planner and is also accredited by the Society of Later Life Advisers (SOLLA).

Our services

Mel has a background in economics and these days he applies the mentality of "scarce resources" and what to do with them by helping people financially plan their lives. This includes advising on the needs of older people where Mel holds the Later Life Adviser Accreditation developed by the Society of Later Life Advisers (SOLLA). Mel is also a Fellow of the Personal Finance Society (FPFS), the highest qualification awarded by the Chartered Insurance Institute (CII) and therefore a further indication of his commitment to professional development.

Where to find us
Head office address: 33 Ash Grove, Palmers Green, London, N13 5AE
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£50,000
Minimum mortgage value
£125,000
Advice methods
  • icons
    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 16th November 2020

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