Town Close Financial Planning Limited

Independent Financial Adviser  258a High Road, Loughton, IG10 1RB
First meeting at adviser's own cost
Boring but effective. Truthful, helpful and kind.
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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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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Long term care
Response rating
9.0/10
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FCA authorised
Last authorised 26th July 2021
Meet our advisers
Mr Jeremy Askew FPFS
Managing Director & Chartered Financial Planner

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

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.

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 financial services industry, including regulation, legislation and the Code of Ethics.

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.

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 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.

This qualification assesses a knowledge and understanding of portfolio investment management. If passed before September 2010 QCF 3 after then QCF 4

This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.

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

Accreditations
Chartered Financial Planner
Mr Ian Penberthy AFPS
Chartered Financial Planner

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

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

This qualification assesses the understanding of the commercial and regulatory financial services environment, the role and legal obligations of regulated advisers and key concepts of risk and ethics.

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

This unit concentrates on products, services and legislation that inform the financial planning and advice process.

To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

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.

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

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

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

Accreditations
Chartered Financial Planner
Mr Mark Williams FPFS
Chartered Financial Planner

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.

To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

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.

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 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 specialist supervisory knowledge and skills in the regulatory environment.

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.

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

This exam accesses understanding of the financial services and their regulation.

This exam accesses understanding of protection, savings and investment products.

This exam accesses understanding of identifying and satisfying client needs.

Accreditations
Chartered Financial Planner
What our clients say
Jeremy is a very professional financial adviser with a fast uptake of the personal situation. His professional analysis and understanding of the personal goals and risk attitude were impeccable. Within a very short time the transfer of the old pension into a new vehicle was completed with the assistance of the very friendly and efficient back office staff. I am more than happy to recommend Jeremy for all your financial advice tasks.
Stephan, Essex
Jeremy is very friendly, very approachable and the service he provides is second to none.He totally understands our attitude to risk and what we hope to achieve with our investments. Jeremy has given us excellent advice, whilst having the patience to explain complex financial options in simple language, checking our understanding every step of the way. Jeremy is prompt, provides regular updates and responds quickly to phone calls/emails. No question we ask is too trivial. His financial planning has left us with a feeling of security, trust and confidence for our future.We are more than happy to recommend Jeremy to our family and friends.
Peter, Middlesex
A friend recommended Jeremy to me and once meeting him, his authenticity and professionalism to do the best for clients was evident. He helped me consolidate all my funds onto one platform, keeping me regularly informed of progress. Thanks for being a great financial adviser. Your company ethos and values, coupled with your authenticity and professionalism to do the best for clients shines through. Much appreciated. Andy
Andy, Kent
I have known Jeremy for over 20 years and he has been giving me sound financial advice over the years. With such a long term commitment I believe he is always thinking about my life stage (it has changed) and the most appropriate investment advice at the time. I believe he reads my financial situation very well and often initiates very good pieces of advice when legislation has changed such as the recent changes to pensions. I have only positive comments on Jeremy.
Paul, Pembrokeshire
Jeremy is a human being in a financial world of confusion and angst. He manages to get to know his clients in a real world way before then advising on what might be best for them. There is no recorded formula rolled out each time, just a fair, honest and insightful understanding. He then follows up this understanding with a impressive knowledge of products, services and approaches and having had a relationship with him for 10+ years, there is no doubt that his knowledge is always bang up to date if not future thinking.
Martin, London
Jeremy is very personable and therefore, extremely easy to talk to. He doesn't talk technical jargon; he puts everything in to layman's terms. Jeremy really listens to what you are saying and is considered in his response. He is always clear about timeframes so you know exactly what to expect next and when. Jeremy acts with complete integrity and I wouldn't hesitate for a moment to recommend him to others.
Francesca, London
Jeremy was extremely professional and courteous from our first meeting. He listened to everything I said, understood my needs and gave me excellent advice. The journey was not completely straight forward due to factors outside of our control, but Jeremy remained confident and took control when needed, meaning that much of the stress of the situation was reduced. I felt completely safe and confident putting my affairs in his hands.I highly recommend his services.
Jayne, London
Jeremy Askew is a fine fellow; he is good natured and keen to come alongside a person who might be anxious about many things relating to financial planning, future forecasting, cutting of cloth to suit, etc. I needed his advice in relation to drawdown and future investing from a modest pension pot. He came several times to the house, was unstinting in his patience (with someone like me) and very thorough indeed in the leaving of no stone unturned in order to ensure that I had understood my options - and when it came to signing up to something, the giving of a full and rounded explanation while, at the same time, allowing me time to consider for myself which way to go. I feel very safe and comfortable with Jeremy as my advisor and my understanding is that his knowledge and expertise comes from a solid base of experience in the industry.
Linda, London
Demonstrated a clear understanding of our financial affairs and helped us to make an accurate assessment of our aims and our attitude to risk. He offered us much valuable advice and showed the various options open to us outlining the pros and cons. At no stage did he attempt to buldoze us into something we were not interested in. He has a pleasant and relaxed manner in dealing with clients but completely professional. He always responds promptly to emails and telephone calls.
Mick, Middlesex
Jeremy patiently listened and reviewed our current provisions, needs and wants. He clearly and calmly explained the status of our pensions and the options and opportunities to us. Following his advice we appointed Jeremy to organise and manage our SIPPs.
John, Berkshire
We are very happy with the recommendations and service we have received so far.We have completely re-thought our future plans as a result of the options that have been explained to us.The products and services suggested seem well suited to our needs and we expect them to deliver against our plans.Our new pension arrangements will allow us to enjoy a better standard of living during the early years of retirement when hopefully we still have the good health to enjoy them.
Joanna, Buckinghamshire
Jeremy helped us to understand and stress test options. We were able to make a decision on the basis of the scenarios and the forecasts that Jeremy put together. Jeremy helped us to think things through and also he was very open to challenge and clarification, in depth, of his suggestions.
Ian, Middlesex
I've started a pension through Jeremy and was pleased with the initial advice and found him very easy to work with. Since that initial contact I've added an ISA through Jeremy and continue to find him approachable and knowledgeable.
Richard, Middlesex
I had several pension schemes and other investments and wanted to consolidate them all in one place. Jeremy spent time reviewing my situation and my requirements and advised accordingly. I had several meetings with Jeremy and his team and agreed a financial plan. Jeremy wanted to ensure I was happy with his recommendations before any changes were made to my existing arrangements.
John, London
I had managed my savings for many years without specialist knowledge or advice, sometimes successfully sometimes not, but got to the point when I really did need professional advice and all my various investments 'tidying up'. Also I wanted someone else to take over the responsibility of keeping an eye on things, bearing in mind my financial need for the present and future. As Attorneys my daughter and I had used Jeremy's services before in dealing with my late mother-in-law's affairs and liked him and the personal attention he gave us in offering options of various courses of action. I approached him not knowing whether he would be interested in helping me with my investments and was delighted when he agreed without hesitation. His office is in Essex and I live in SW London.
Claire, Twickenham
About us

Great financial planning is about answering two questions, "Am I going to be ok?" and "Can I live the life I want?". Our approach is boring but effective as well as being truthful, helpful and kind.

Our services

Our clients became clients because they want to make better decisions.

Is it the same for you? Then why not get in touch?.

Wherever you are in the UK and at whatever stage of life we can help you.

The first Zoom is on us, then we agree what we will do together and how much that will cost. We only charge fixed fees, not %s.

You pay us once the work is completed, you are happy with it and you think it worth paying for.

*** If your wealth is tied up in property we are not the firm for you. We only work with clients who have money held held in cash, ISAs, investment accounts, shares and pensions.***

Where to find us
Head office address: 258a High Road, Loughton, IG10 1RB
Service coverage
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
9.0/10
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FCA authorised
Last authorised 26th July 2021

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