Surrey Downs Financial Services
Our philosophy is simply to guide our clients through the various stages in their lives where expert financial guidance will help them protect their wealth and ultimately to attain financial independence and the capacity to work through choice and not necessity.
Our aim is to help our clients achieve their financial objectives in a tax efficient, well maintained and monitored manner with clear, uncomplicated solutions.
Our Main Areas of Financial Advice
This covers any one or more of the services below:
Private Financial Advice
Full Financial Planning, Investments, Retirement Planning, Tax Strategies, Estate Planning & Protection
Corporate Financial Advice
Group Pension Schemes, Navigating Auto-enrolment, Business & Key Individual Protection, Employee Benefit Schemes, Employee Benefit schemes
The Financial Conduct Authority do not regulate every service provided by Surrey Downs Financial Services
Full Financial Planning
This is a bespoke all-encompassing service fully tailored to analysing your current situation, considering any shortfalls and recommending appropriate measures to provide and fulfil your longer term goals. This covers any one or more of the services below, as appropriate for you.
Retirement Planning
Recommendations given, taking into account any existing benefits, that are tailored to meet your own specific retirement goals.
This can also include “at retirement” planning when decisions can be made regarding the appropriate measure to provide your retirement income as well as considering your on-going financial security. The Pension market is forever changing and highly complex, so we've explained the most common pension options within this section of the website. For advice on your specific circumstances please contact us.
The value of your pension can fall as well as rise and you may not get back the original amount invested.
Tax treatment depends on the individual circumstances of each client and may be subject to change in future.
Investments
We're here to help you choose the right way to invest your money in order to help you meet your objectives, taking into account the term over which you want to invest and your “attitude to risk”. In this section we've covered the most common types of investments. Speak to us to discuss your situation further.
The Financial Conduct Authority does not regulate National Savings.
Life Protection Needs
Ensuring your family are able to cope should any unfortunate event occur is a high priority for many. We can advise how best to achieve this protection: we can help you put in place and structure your Will to achieve exactly what you want and select the right life and illness assurance policies from the whole market to protect your family.
Will writing and advice concerning Wills are not regulated by the Financial Conduct Authority
Tax & Estate Planning Strategies
This is not about tax avoidance, but efficiency: structuring your savings in such a way that you make use of the ever changing tax initiatives and allowances that the Government provide and actively encourage we use, prioritising them in such a way that your savings work the hardest for you.
The Financial Conduct Authority does not regulate taxation and trust advice.
Tax treatment depends on the individual circumstances of each client and may be subject to change in future.
School Fees Planning
For many parents (and grandparents), wishing to give their children as good an education as possible is only natural. We can discuss with you any potential savings/investments that can be made in order to provide monies for education costs.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE ALL SCHOOL FEE SAVINGS VEHICLES.
Divorce
The break-up of a marriage can be traumatic and will likely have significant financial consequences. Reviewing any financial plans at such a time can be vital to not only ensure a fair outcome but also ensure your own financial security remains intact.
Corporate Advice
Surrey Downs Financial Services is in a unique position within the independent financial advice industry of having been born out of experiences gained working at one of the World's largest corporate benefit consultancies. We work in close contact with other professional advisers who assist our clients' businesses, including accountants and solicitors.