Sandringham Financial Partners
We help clients make sense of their financial situation, by clarifying their options, understanding their present position, and giving the best advice suited to their needs. This covers insurance, pensions, investments, mortgages and much more.
We can advise you on
Pensions & divorce
Pensions & retirement planning
ISA / Unit Trusts / OEICs
Investing for income
Socially responsible investments
Last authorised 15th August 2022
Meet our advisers
MR Harj Gill
Qualifications & Accreditations
MAQ - Mortgage Advice Qualification (CII)
This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.
ER1 - Equity Release (CII)
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.
DipFA - Diploma for Financial Advisers (LIBF)
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
AwPETR - Award in Pension Transfers
This qualification assesses a knowledge and understanding of pension transfer options available and their implications, including income options, legislation and regulations impacting pension transfers, transitional issues as a result of different forms of protection, and the relationship between pension returns and options and investment and capital risk.
What our clients say
I was introduced to Harj Gill when I was seeking advice on investments. The meeting resulted in me asking Harj to be my Financial Adviser and I would have no hesitation in recommending Harj to anyone who is seeking financial advice.
Harj has been instrumental in helping me with my mother’s finances in order to pay for ongoing care home fees and investments.
From the first enquiry and contact meeting, he has been thorough in his research and clear in his advice, whilst also explaining risk factors and financial terms and strategies. He was able to answer questions in an understandable way and was always prepared to listen carefully to any concerns.
Harj arranged meetings for my convenience and made it clear that he could be contacted by phone or email at any time if there were questions or problems that I needed answering. His advice for the final decisions was as expected from the outcomes of our previous meetings.
I would thoroughly recommend Harj as an independent financial advisor, particularly for those faced with long term care fee plans as he has worked to ensure the best outcomes for both my mother and myself. He is always personable and professional and a credit to his company.
I sought for advice from the Unbiased website to review my pension options
Harj contacted me and we agreed on a date and time for a first meeting. The meeting was at my own convenience and was not pressured at all. We met on subsequent dates to go through the process of the review. Harj was always punctual and on time for the meeting.
Harj was professional and his wealth of knowledge in explaining the options available to me was phenomenal. He took me through the stages which the review will take from gathering of information and risk profile to the final recommendations. Harj kept me in the loop with further developments.
Harj was very professional throughout my meetings with him and my concerns were addressed with simple language devoid of jargons.
I will therefore recommend Harj to anyone needing advice and review of their pension plans.
I sought professional advice on my finances especially with regards to my private pension and I couldn’t be any happier that Harj Gill contacted me. He is very professional, explains things as many times as it is needed so the client understands and listens. I felt really good whilst dealing with him, especially in these difficult times where we had to do our meetings via video and phone calls. The setup of my new pension was so smooth. I can honestly say that I can recommend him to anyone.
In the end, we had three options. Our main requirement was our ability to make monthly mortgage payments and to have a reasonable exit penalty, if any, for when we were in a position to pay off the mortgage in its entirety. Harj achieved this. The whole process took some 5 months and we have recently completed on our mortgage. The choice of mortgage from our three options was entirely ours - Harj just gave us the information and we made the decision. He did not try and influence us in any way. We always felt at ease with Harj and had faith that he would come up with a satisfactory deal, which he did. He understood our requirements and did not pursue avenues which would not be acceptable to us. He was thorough in his advice, as was the whole Sandringham process. We were kept informed of developments as they occurred. We have no difficulty in wholeheartedly recommending Harj Gill to others requiring financial advice.
Our current mortgage was finishing and remortgaging was necessary as our plan to repay the mortgage in total was not yet possible due to delays in our business plan. Our current lender was unable to extend the term due to our age. We had approached a number of lenders and advised that due to our age and lack of monthly private pension (this was currently tied up in property) a normal mortgage was not possible, despite the fact we were still working and earning more than enough per month to cover repayment costs. Additionally, our property backs onto a public house which a number of Equity Release Lenders would not consider. From the outset, we felt comfortable with Harj as our adviser. Harj ran us through a detailed appraisal of what we required and it soon became apparent that only a handful of lenders would be able to help.
I made an initial enquiry in April 2021 for some assistance understanding the different pension options available to me. Harj got in touch with me very quickly and was instantly extremely helpful and accommodating. He clearly knows his stuff inside and out and is calm, reassuring and friendly. I have felt totally at ease dealing with him at every stage and would not hesitate to recommend him to friends and family.
Through our work, we help clients in a number of ways including:
1) Achieving peace of mind of knowing their family and liabilities are protected in the event of their sickness, disability, or death
2) Having confidence in knowing they are planning for the retirement they want
3) Being happy in knowing they are making the best use of their savings and investments
4) Staying on top of their mortgage borrowing
5) Aware of how best to reduce the tax liability for themselves or their family, for the assets they use and dispose of in their lifetime, or in the event of their death
6) Making best use of their property and other assets as they need to
7) Helping them or their parents make the best use of their property and other assets to help pay for long term care
8) Helping them with their finances when they go through separation and divorce
Advising our clients on a personal level is what we do best. We understand each clients story is as unique to them as their own journey going forward will be.
Our advice is bespoke to the client and there is so much more than just giving advice. First we get to know you, then we complete our research, analyse our findings, meet again as necessary, put together our recommendations, discuss these with you, ensure you understand all the relevant detail, implement the advice and then, offer a review service to ensure the advice we have just put in place stays appropriate for you for the foreseeable future.
Life is not always straightforward and our dreams and plans sometimes need to change but we can always get there with the right advice.
Where to find us
Head office address: Summers Road, Burnham, SL1 7EP
Minimum wealth (income/assets)
Minimum pension value
Minimum mortgage value
Online (Live chat, video, email)
Face to face