Business Details
10 Years
experience
Independent Financial Advisers in Cornwall
Established in 2016, Cornwall Finance & Investment Services is a team of independent financial advisers based in Newquay, Cornwall. We specialise in delivering tailored financial solutions to individuals and businesses across the UK, with a focus on retirement planning, wealth management, and protection strategies. Our team holds extensive qualifications, including Dip PFS and Cert CII accreditations, ensuring clients receive technically robust advice. As an FCA-authorised firm, we operate with full transparency, prioritising client needs over product provider incentives. Our approach combines deep market knowledge with a commitment to understanding each client's unique circumstances, enabling us to source optimal financial products from the entire UK market.With over 25 years of collective experience, including specialist expertise in complex property finance and intergenerational planning, we maintain long-term client relationships through regular reviews and proactive communication. Our services extend beyond standard advice, incorporating tax-efficient strategies and estate planning tools to help clients achieve financial security. We utilise secure digital platforms like Intelliflo to provide real-time portfolio access, while maintaining a personal touch through home visits and flexible appointment options. Our team's involvement in local charities and professional bodies, including the Chartered Insurance Institute, underscores our dedication to both community and industry excellence.
Services
Retirement Planning
Investment Management
Pre-Retirement Planning
Mortgage Advice
Estate Planning
Equity Release
Corporate Financial Planning
Savings Strategies
Life Assurance
Income Protection
Details
- Year established: 2016
Highlights and features
- We are FCA-authorised independent financial advisers with no ties to banks or insurers
- Our team holds advanced qualifications including Dip PFS and Cert CII accreditations
- We offer home visits and remote consultations across the UK
- Our advisers have over 25 years combined experience in complex financial planning
- We provide access to real-time portfolio management through secure digital platforms
Associations and certifications
- Financial Conduct Authority
- Chartered Insurance Institute
What people say
Safe pair of hands
Trustworthy and available
Dependable recommendations
Lifelong financial guidance
Successful pension planning
Services
Retirement Planning
We help clients navigate complex retirement options including annuities and income strategies. Our FCA-regulated advisers assess individual needs to create tailored retirement plans that maximise income while considering tax implications. With changing pension regulations, we ensure clients understand all available options to make informed decisions that provide financial security in retirement.
Investment Management
Our investment services focus on capital growth and income generation through diversified portfolios. We analyse clients' risk tolerance and financial goals to select appropriate investments from the entire UK market. While investments carry risks including potential capital loss, we provide ongoing portfolio reviews to ensure continued alignment with clients' objectives and market conditions.
Mortgage Advice
We offer comprehensive mortgage advice covering first-time purchases, remortgaging, and buy-to-let solutions. Our whole-of-market approach compares thousands of products to find optimal rates. We assist clients through the entire process from application to completion, with a no-win-no-fee structure where our 487 fee is only charged upon successful mortgage offer receipt.
Estate Planning
Our estate planning services help clients protect their assets for future generations. We utilise trusts and other legal instruments to potentially reduce inheritance tax liabilities while ensuring assets pass to intended beneficiaries. This service operates outside FCA regulation, focusing on strategic wealth transfer solutions tailored to individual family circumstances.
Income Protection
We provide income protection policies to safeguard against long-term work inability due to illness or accident. Our advisers assess clients' employment situations and financial commitments to determine appropriate coverage levels. These policies replace a portion of lost income, helping maintain living standards during periods of incapacity, with coverage options tailored to individual risk profiles.
People
Mark Ridgment
Director, IFA Consultant
Qualified financial adviser with expertise in personal and corporate financial planning. Founding committee member of Cornwall & Plymouth Personal Finance Society (CII). Specialises in retirement planning and investment management while supporting local charities.
James Williamson
IFA Consultant
Specialises in complex property finance and adverse credit cases. Working towards chartered status while providing comprehensive financial planning services. Focuses on helping clients achieve long-term financial goals through tailored solutions.
Hannah Ridgment
Director of Paraplanning
Chartered status candidate with expertise in family law financial planning. Provides pension sharing reports and mortgage capacity assessments. Active career mentor and member of Resolution professional organisation for family law.
Nikki
Administrator
Supports financial advisers with administrative tasks. Brings diverse experience from management, education, and healthcare sectors. Conducts Kenpo Chi Kung sessions and participates in local community activities.
Mia
Administrator
Provides administrative support with banking sector experience. Manages client communications and documentation processes while balancing family commitments and fitness activities.
Questions
Are you truly independent financial advisers?
Yes, we are FCA-authorised independent financial advisers not tied to any banks, building societies, or insurance companies.
Do you charge for initial consultations?
No, we offer a free initial consultation to discuss your financial needs and how we can help.
How do you select appropriate financial products?
We research the entire UK financial market to find products that best match your individual circumstances and goals.
Can you help with complex financial situations?
Yes, our team has expertise in complex property finance, intergenerational planning, and adverse credit scenarios.
How do you maintain client communication?
We offer home visits, phone consultations, and digital portfolio access through our secure Personal Finance Portal.
What areas do you serve?
While based in Cornwall, we provide financial advice to clients throughout the UK.
