Business Details
35 Years
experience
Independent Financial Advisers in London
Established in 1991, Index FS has built a reputation as a trusted partner in financial and mortgage advisory. With over three decades of experience, we have supported more than 3,500 clients through critical financial decisions, from first-time homebuying to retirement planning. Our team of independent advisers prioritises a personalised approach, tailoring solutions to individual needs while adhering to the highest regulatory standards. As an authorised credit broker regulated by the Financial Conduct Authority, we maintain transparency in commission structures and collaborate with lenders to secure optimal outcomes. Our expertise spans wealth management, tax-efficient planning, and protection strategies, ensuring clients receive comprehensive guidance aligned with their long-term goals.By combining behavioural finance insights with traditional advisory methods, we empower clients to make informed decisions. Headquartered in London, our services cater to both individuals and businesses across the UK. The firms commitment to client-centric service is reflected in its repeat clientele and referrals. We continuously adapt to evolving financial landscapes to deliver innovative solutions while maintaining a focus on ethical practices and regulatory compliance. Our multidisciplinary team, including directors, compliance officers, and specialist advisers, works collaboratively to address complex financial challenges.
Services
Mortgages
Equity Release
Investments
Pensions
Financial Planning
Protection Insurance
Tax Planning
Corporate Planning
Details
- Year established: 1991
Highlights and features
- We have over 30 years of experience in independent financial advisory.
- Our team holds FCA authorisation and regulatory compliance expertise.
- We offer tailored solutions for mortgages, pensions, and wealth management.
- We prioritise transparent commission structures and ethical practices.
- We serve over 3,500 clients with a personalised advisory approach.
Associations and certifications
- Financial Conduct Authority
Services
Mortgage Advice
We provide expert mortgage advisory services, including first-time buyer mortgages, remortgaging, and buy-to-let solutions. Our FCA-regulated advisers help clients navigate complex market conditions to secure suitable financing options. We assess individual circumstances to recommend competitive rates while explaining risks associated with secured loans.
Pension Planning
Our pension specialists offer comprehensive planning services covering setup, consolidation, and retirement income strategies. We advise on drawdown options, annuities, and tax-efficient pension access. The team helps clients understand different pension types and select solutions aligned with their retirement goals and risk profiles.
Equity Release
We provide tailored equity release advice for homeowners over 55 seeking to access property wealth. Our specialists explain lifetime mortgages and home reversion plans, ensuring clients understand implications and risks. We assess individual needs to determine whether equity release suits their financial circumstances and later-life planning objectives.
Investment Management
Our investment advisory service focuses on creating personalised portfolios aligned with clients' financial goals and risk tolerance. We analyse investment timeframes, liquidity needs, and market opportunities to recommend suitable strategies. The team helps clients build diversified portfolios while maintaining appropriate cash reserves for financial stability.
Tax Planning
We offer specialist tax planning services covering inheritance tax mitigation, property income structuring, and pension tax efficiency. Our advisers collaborate with accountants to optimise clients' financial arrangements. We provide strategies for new UK residents and businesses seeking tax-efficient corporate planning solutions.
People
Emmanouel Kontis
Director & Founder
With over 30 years in financial services, Emmanouel established Index FS in 1991. He oversees strategic direction and regulatory compliance, leveraging extensive experience in mortgage and investment markets to guide client solutions.
Sarah McEleavey
Compliance Officer
Sarah leads compliance operations, ensuring adherence to FCA regulations. With specialist knowledge of financial services compliance frameworks, she manages risk protocols and client protection procedures across all advisory activities.
Greg Simmons
Senior Mortgage Adviser
Greg specialises in residential and buy-to-let mortgages, bringing 20+ years of advisory experience. He helps clients navigate changing mortgage markets, focusing on first-time buyer schemes and complex property financing solutions.
Steven Savvas
Protection & Insurance Manager
Steven manages protection products, advising on life assurance, critical illness cover, and income protection. He tailors insurance solutions to clients' family circumstances and long-term financial security requirements.
Andre Cove
Financial Adviser
Andre provides holistic financial planning, specialising in pension consolidation and retirement strategies. He works with clients to develop comprehensive wealth management plans that balance growth and protection objectives.
Questions
What financial services do you offer?
We provide mortgages, pensions, investments, tax planning, equity release, protection insurance, and corporate financial planning services tailored to individual and business needs.
Are you regulated by the Financial Conduct Authority?
Yes, Index Financial Services is authorised and regulated by the Financial Conduct Authority (registration number 222570).
How do you charge for your advisory services?
We receive commission from lenders based on fixed fees, percentage of loan amounts, or risk profiles. Full details of commission models are disclosed during your customer journey.
Can you help with first-time buyer mortgages?
Yes, our specialist mortgage advisers provide guidance on first-time buyer schemes, helping clients navigate property purchases with competitive financing options.
Do you offer pension consolidation advice?
Yes, we assess individual circumstances to determine whether pension consolidation would benefit clients, considering factors like fund accessibility and tax efficiency.
What areas do you cover?
While based in London, we serve clients nationwide across the UK through face-to-face meetings, virtual consultations, and telephone advisory services.
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