tba Wealth Management

Independent Financial Adviser  Allen House, Sutton, Greater london, SM1 4LA
First meeting at adviser's own cost
tba Wealth Management offer a free no obligation initial meeting.
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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Equity release
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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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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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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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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 risk
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Long term care
Response rating
9.3/10
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FCA authorised
Last authorised 24th February 2020
Meet our advisers
Alan Payne FFA DipPFS PMA
Consultant

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

Martin Card FPFS Certs CII (MP&ER), Cert DM
Partner

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.

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.

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

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 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 the unit candidates should be able to understand the use of platforms in providing financial services, the legal regulatory environment in which they operate and the ability to assess the suitability of platforms in meeting client requirements

To achieve the CertPFS (DM) and individual needs to pass 2 diploma units in Regulation and ethics and Discretionary Investment Management

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

Accreditations
Chartered Financial Planner
What our clients say
“Almost two years ago I contacted Optima for financial advice about my impending pension scheme pay-outs. The “health check” was very thorough and provided information to enable them to determine the correct investment plan for my needs. They also advised on changes to my ISA savings. I have been very pleased with the advice provided to me initially as well as during the subsequent on-going reviews. I have found Optima to be very friendly but professional in their approach.”
Ms. J S, Sutton, Surrey
“I have been using Optima Financial for approximately 15 years and have come to rely on their expertise and advice in relation to my investments and most recently pension requirements. They always endeavour to explain my options in a simple way that I can understand and answer any worries that I may have. I have found Optima to be extremely professional, confidential and courteous on all occasions and I would not hesitate to recommend them to anyone, as I have done so in the past. Thank you Optima for your ongoing advice.”
Mrs S E, Stonecott Hill, Surrey
“I have used Optima Financial for personal financial advice on several occasions and I have always been impressed by the quality of service I have received. Areas covered include planning for retirement, pensions advice, savings and investments, and a general financial health check. Their alliance to Turpin Barker Armstrong accountants is also very helpful, as I now plan to open my own company. To get high quality independent financial advice and accountancy services all under the same roof is very useful. I would highly recommend them.”
MR A J S, Sutton, Surrey
Optima was initially recommended to me by a friend. have used their financial services for a number of years and have always found them polite, impartial and efficient. I have always been very happy with the financial advice given
Mr P W, Cheam, Surrey
I have been a client of Optima Financial now for many years, both as a private individual and for my company. The service has always been spot on and I have always been confident with the advice they have given me.
Mr M R, Fetcham, Surrey
I have been a client of Optima Financial since 2003. The firm has guided me with my pension requirements and have, to the very best of the ability, "pointed me in the right direction." I have also used their services in respect of two equity release deals - and at all times I have been treated with the utmost respect and afforded the greatest degree of professionalism. Whoever I have dealt with over what is now 14 years has always attempted, with financial integrity, to achieve the very best for me. I can recommend Optima without reservation.
Mr J M, Croydon, Surrey
I have been a client of Optima Financial since 2003. The firm has guided me with my pension requirements and have, to the very best of the ability, "pointed me in the right direction." I have also used their services in respect of two equity release deals - and at all times I have been treated with the utmost respect and afforded the greatest degree of professionalism. Whoever I have dealt with over what is now 14 years has always attempted, with financial integrity, to achieve the very best for me. I can recommend Optima without reservation.
Mr J M, Croydon, Surrey
My wife and I have been clients of Optima for many years. After careful examination of our finances with an Optima advisor, we have always been given thoughtful options to maximise our savings. Discussions about our investments are explained clearly and we always feel we are afforded the same courtesy as a large organisation.
Mr R L, Guildford, Surrey
When we started our company back in 1974 we were recommended to seek your services together with our accountant, I have always found your company very professional and your advice has been invaluable over the years. Although I am now retired I still use the advice of Martin Card regarding my pensions, and he is always to available to answer any queries I may have.
Mr K & Mrs R B, Wallington, Surrey
We have been with Optima Financial now for a number of years and have found them helpful, resourceful and hugely beneficial to our family’s future security. They take the worry out of planning our financial security with a friendly, personal and professional service, giving us the advice we require to allow us to manage our finances with confidence. But most importantly, they do this in a way we can understand. I have recommended their services to friends/peers who needed informed advice and a quality service.
Mr S P, Sutton
When we started our company back in 1974 we were recommended to seek your services together with our accountant, I have always found your company very professional and your advice has been invaluable over the years. Although I am now retired I still use the advice of Martin Card regarding my pensions, and he is always to available to answer any queries I may have.
Mr K & Mrs R B, Wallington, Surrey
My wife and I have been clients of Optima for many years. After careful examination of our finances with an Optima advisor, we have always been given thoughtful options to maximise our savings. Discussions about our investments are explained clearly and we always feel we are afforded the same courtesy as a large organisation.
Mr R L, Guildford, Surrey
We have been with Optima Financial now for a number of years and have found them helpful, resourceful and hugely beneficial to our family’s future security. They take the worry out of planning our financial security with a friendly, personal and professional service, giving us the advice we require to allow us to manage our finances with confidence. But most importantly, they do this in a way we can understand. I have recommended their services to friends/peers who needed informed advice and a quality service.
Mr S P, Sutton
About us

We are a firm of dedicated Independent Financial Advisers, offering a professional financial planning service to personal and business clients.

With expertise in pensions, retirement planning, protection, long-term care, savings, investments and mortgages, we cater for clients needs on an holistic base. Additionally, we have specialist knowledge and expertise in the financial planning requirements of professional footballers and football agencies.

Our in house accountancy connections enable us to set ourselves apart from our peers due to the range of advice that we are able to offer.

Our services

At tba Wealth Management we pride ourselves in listening to your needs and providing you with bespoke advice in the timescale you demand.

Financial health is integral to almost everything you aspire to achieve in the future, and we believe we can help you attain your goals.

Where to find us

Allen House, 1 Westmead Road, Sutton, Surrey, SM1 4LA

Preferred clients
Minimum wealth (income/assets)
£0
Minimum pension value
£50,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
9.3/10
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FCA authorised
Last authorised 24th February 2020

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