Riverfall Financial

Restricted - Whole of Market  Berkeley House, 6-8 The Square, Kenilworth, Warwickshire, CV8 1EB
First meeting at adviser's own cost
Speak to us for trusted and expert advice on investments and retirement. We can also advise you on pension transfers.
We can advise you on
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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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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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Regular savings
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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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Healthcare
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Income protection insurance
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Large business
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Life insurance
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Payment protection insurance
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Small business
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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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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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Long term care
Response rating
10/10
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FCA authorised
Last authorised 17th February 2020
Meet our advisers
Jessica McGowan MCSI DipPFS
Financial Planner

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

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

At the end of this unit, candidates should be able to demonstrate an understanding of: the supervisors role in a regulated organisation; recruitment, training, attaining competence, maintaining competence and supervising competence; management information and performance standards; Financial Services Authority rules and guidelines in respect of competence and supervision; the legal and regulatory aspects of employment and supervision.

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

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 examination assesses a knowledge and understanding of financial protection plans.

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

MCSI membership is full membership of the CISI, and denotes a high level of achievement and competence. It is awarded to those with a suitable combination of qualifications and experience

This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.

Paul Wilson DipPFS
Financial Planning Consultant

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

Shaun Brennan DipFA BSc (Hons)
Financial Planner

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

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 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 in depth financial planning skills related to personal tax and trusts.

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

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

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.

Sue Richardson
Financial Planner

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

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

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

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.

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.

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
Care advice standard
What our clients say
Jessica, your help and advice has been exemplary. You have explained things clearly and have shown kindness, understanding and professionalism in all your transactions with us. Thank you.
Mr & Mrs H, Nottingham
Shaun has a professional and clear way of explaining your best options to you. I want to thank Shaun for looking into this for me and I would have no hesitation in recommending Riverfall Financial to anyone who needs pensions advice.
M Romark, Nottingham
I have known Paul for approx. 6 years and I have never found him to be anything but helpful. He has always guided me truthfully explaining in laymen terms both sides to investing my money, even when I have had a few days to think about things and I have contacted him he has always been very patient with me and explained my lack of understanding in a way that I eventually did understand. He is always at the end of his phone and when I have had to leave a message he has come back to me in a very short space of time.
Pam D, Warwickshire
I am continually impressed by Paul’s efficiency and expertise as well as that of the Riverfall team. Thanks to Paul, I can once again look forward to my retirement and enjoy the travelling I have planned.
John Wheatcroft, Warwickshire
We both agreed that it was the full, concise but easy to understand way our investment was explained to us that really stood out. Finances and investment are a mine field to those amongst us less familiar with the fine detail, it was made easy.
Adrian & Stephanie Baird, Leicester
I have used the services of Paul Wilson since 2009. Throughout this time he has helped me enormously with a wide range of financial matters. He has consistently considered my circumstances and acted in my best interest. I would have no hesitation whatsoever in recommending Paul Wilson of Riverfall Financial to others.
Mr W, Ph.D, Warwickshire
I have known Paul for nearly twenty years during that time, he has advised me on all financial matters, investments, pensions and mortgages. Under Paul's careful stewardship my investments have grown and been successfully steered through the global economic malaise of the last few years. His advise has been timely, well balanced, researched and always beneficial.
Mr Lamberhurst, Coventry
I became a client of Riverfall Financial having already obtained a transfer valuation in respect of my deferred defined-benefit National Grid UK pension. The main reasons why I chose Riverfall were because their reviews were very good, they had specific experience in the transfer of defined-benefit pension schemes and also were conveniently located. The process involved an initial non-obligation meeting to discuss my personal & financial circumstances, aims & objectives, and to assess my attitude to risk. Following granting Riverfall the go ahead to proceed, they then undertook a detailed analysis of my deferred pension scheme, as well as mine/my wife’s financial position and aims. Following a final meeting where the results of the detailed analysis were presented and discussed we agreed to go ahead with the transfer of my pension. Throughout the process Riverfall were very professional in their handling of our queries (which were always answered to our satisfaction in a timely manner), in keeping us informed of progress, and also in seeking to be able to gather all of the necessary information, perform and present their detailed analysis, and ultimately arrange the pension transfer within the challenging timescale for which the National Grid transfer valuation was valid. Riverfall’s advice and analysis was very much based upon a consideration of the client’s complete financial and personal position, not just on the value and comparative benefits of the pension. Ultimately their final advice sought to reflect what would be right for the client given their position and specific circumstances. I would thoroughly recommend Riverfall Financial to anyone seeking financial advice and particularly in relation to a potential defined-benefit pension transfer.
David B, Senior Manager, National Grid, Coventry
I became a client for Riverfall Financial having already obtained a transfer valuation in respect of my deferred defined-benefit National Grid UK pension. The main reasons why I chose Riverfall were because their reviews were very good, they had specific experience in the transfer of defined-benefit pension schemes and also were conveniently located. The process involved an initial non-obligation meeting to discuss my personal & financial circumstances, aims & objectives, and to assess my attitude to risk. Following granting Riverfall the go ahead to proceed, they then undertook a detailed analysis of my deferred pension scheme, as well as mine/my wife’s financial position and aims. Following a final meeting where the results of the detailed analysis were presented and discussed we agreed to go ahead with the transfer of my pension. Throughout the process Riverfall were very professional in their handling of our queries (which were always answered to our satisfaction in a timely manner), in keeping us informed of progress, and also in seeking to be able to gather all of the necessary information, perform and present their detailed analysis, and ultimately arrange the pension transfer within the challenging timescale for which the National Grid transfer valuation was valid. Riverfall’s advice and analysis was very much based upon a consideration of the client’s complete financial and personal position, not just on the value and comparative benefits of the pension. Ultimately their final advice sought to reflect what would be right for the client given their position and specific circumstances. I would thoroughly recommend Riverfall Financial to anyone seeking financial advice and particularly in relation to a potential defined-benefit pension transfer.
David B, Senior Manager, National Grid, Nottingham
About us

We have 4 qualified financial advisers and a friendly client services team based in our offices in Nottingham and Kenilworth Warwickshire.
We are trusted partners of The Pensions Advisory Service and the Money Advice Service. So you can rest assured we can help you whether you need advice on pensions, investing money, making the right retirement decisions or planning for later life.
Our qualified pension transfer specialists can also give you unbiased advise on Final Salary pension transfers (also know as Defined Benefit pension transfers), to help you make the decision that's right for you. We will take time to understand what's important to you and help you to make the right decisions without any confusing jargon.
We are proud of how we have helped our clients, so please read what they say about us. Find out more on our website about how we can give you financial peace of mind and help you to live the life you want to live.

Our services

Should you transfer out of your final salary pension scheme? This is one of the biggest financial decisions of your life. Our Advisers Jessica McGowan and Sue Richardson are qualified pension transfer specialists so they can give you the right specialist advice.

Please read more about the pros and cons of final salary pension transfers on our website: <url hidden>

Are you concerned your retirement arrangements might not be adequate?
Do you want to know if you'll have enough? Are you concerned about investing and how to make the most of your money?

Please get in touch we'd love to help.

Where to find us

Berkeley House, 6-8 The Square, Kenilworth, Warwickshire, CV8 1EB

Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
  • icons
    Face to face
Response rating
10/10
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FCA authorised
Last authorised 17th February 2020

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