We founded Candor Rubra Financial Ltd to offer independent financial planning that places clarity and openness at the centre of every client relationship. Operating from 128 City Road, London, we support individuals, families and business owners seeking reliable advice and a structured approach to managing their finances. We explain our recommendations in accessible language, confirm all charges before undertaking any work and outline why each proposed course of action is appropriate for your needs. Our name embodies this commitment to candour, ensuring that you can make informed decisions with a clear understanding of the advice you receive.
Whether you are preparing for retirement, considering how to draw an income from your pension or reviewing your investments, we can help. Our expertise includes pension consolidation, assessments of existing pension arrangements, retirement drawdown, tax-efficient withdrawals, ISAs, general investment accounts and cashflow planning. We also assist company directors and business owners with pension and investment planning. Regular reviews enable us to adapt your financial plan as personal circumstances and applicable rules evolve. Before any engagement begins, we offer an initial discussion without charge or obligation. If you choose to work with us, we investigate suitable options in line with your objectives, attitude to risk and capacity for loss, then provide an ongoing service to monitor your plan. Appointments can take place face to face in London or by video. Investment values and income may decrease as well as increase, and you could get back less than your original investment. Candor Rubra Financial Ltd is an Appointed Representative of ValidPath Limited, authorised and regulated by the Financial Conduct Authority.
Whether you are preparing for retirement, considering how to draw an income from your pension or reviewing your investments, we can help. Our expertise includes pension consolidation, assessments of existing pension arrangements, retirement drawdown, tax-efficient withdrawals, ISAs, general investment accounts and cashflow planning. We also assist company directors and business owners with pension and investment planning. Regular reviews enable us to adapt your financial plan as personal circumstances and applicable rules evolve. Before any engagement begins, we offer an initial discussion without charge or obligation. If you choose to work with us, we investigate suitable options in line with your objectives, attitude to risk and capacity for loss, then provide an ongoing service to monitor your plan. Appointments can take place face to face in London or by video. Investment values and income may decrease as well as increase, and you could get back less than your original investment. Candor Rubra Financial Ltd is an Appointed Representative of ValidPath Limited, authorised and regulated by the Financial Conduct Authority.
Served areas
- Clapham, Wandsworth, Wimbledon, London, Battersea, Balham, Putney
Details
- Year established: 2025
- Licensed
- Insured
Highlights and features
- Independent financial planning
- Pensions and retirement planning
- Retirement income and drawdown advice
- Investment and ISA planning
- Cashflow planning
- Advice for company directors and business owners
- Clear fees agreed before any work starts
- Free initial consultation
- Meetings in person or by video
- Ongoing reviews available
Associations and certifications
- Appointed Representative of ValidPath Limited
- ValidPath Limited is authorised and regulated by the Financial Conduct Authority
- Diploma in Regulated Financial Planning
- Mortgage Advice Certificate
- Equity Release Certificate
- Member of the PFS
- Member of the CII
Services
Understanding what matters to you is the foundation of our wealth management service. We establish your needs and priorities before exploring investment opportunities, taxation or financial structures. Because we operate independently, our recommendations are not confined to one company's funds or platforms; instead, we assess quality and suitability against your requirements. A psychometric test helps establish your attitude to investment risk, while our transparent fee arrangements ensure there are no hidden commissions or products promoted for incentives.
Choosing a mortgage requires careful consideration of more than the headline rate. We compare available products across the market, examining interest rates, associated fees and repayment terms to help you understand the true cost of each option. Our independent advice supports first-time buyers, home movers, homeowners approaching remortgage deadlines and property investors. We prioritise your individual circumstances, maintain transparency over our fees and do not steer clients towards lenders based on commission incentives.
Our protection advice is designed to help individuals, families and business owners prepare for financial uncertainty. We assess the consequences of illness, injury, death or the loss of a key member of a business, then identify suitable insurance options. As an independent adviser, we are not restricted to a particular insurer, allowing us to recommend appropriate cover and explain how each policy can support your wider financial objectives.
We provide independent pension advice to help you bring scattered pension pots together and prepare for retirement. Our service begins with a thorough review of your existing arrangements, including their costs, investments and any valuable guarantees. Where consolidation is appropriate, we simplify the management of your pensions and develop a clear strategy for generating retirement income through drawdown or other suitable options.
We help you take control of how your wealth is passed on, with inheritance tax planning tailored to your estate and intentions. Our approach considers property, investments, pensions and the people you wish to provide for, identifying practical ways to make effective use of allowances and gifting rules. We also coordinate with legal specialists when required, ensuring your arrangements work together and remain suitable as circumstances evolve.
