Independent Financial Strategies (IFS) LLP is based in Horley, Oxfordshire and is managed and owned by Charles Cozens. Charles has been working in financial services as an independent financial adviser since 1983. At Independent Financial Strategies we utilise the most up to date software and communication packages to enable effective cost control for us and the highest possible level of service for our clients.
We're a trusted firm of independent financial advisers. You can be confident that the strategies and solutions we recommend are the best available to suit your requirements. It's fundamental to our business that we continue to remain completely independent from all financial networks and firms and as such are directly authorised by the Financial Conduct Authority.
We believe very strongly that impartial and truly independent advice is ever more crucial in a climate of increasing consolidation within the Financial Services Sector. We can help to look at your pensions, investments, and income strategies, making sure you can afford to retire and still have a good standard of living.
We're a trusted firm of independent financial advisers. You can be confident that the strategies and solutions we recommend are the best available to suit your requirements. It's fundamental to our business that we continue to remain completely independent from all financial networks and firms and as such are directly authorised by the Financial Conduct Authority.
We believe very strongly that impartial and truly independent advice is ever more crucial in a climate of increasing consolidation within the Financial Services Sector. We can help to look at your pensions, investments, and income strategies, making sure you can afford to retire and still have a good standard of living.
Services
We do not offer a fixed or inflexible methodology, rather we agree at an initial meeting on the process of interaction and communication with which you are most comfortable to arrive at the optimal model.
We then set out our charges and the options available and agree with you the most appropriate model.
At this point the relevant data and information required to advise on either an overall or specific area is gathered and discussed.
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.
We then set out our charges and the options available and agree with you the most appropriate model.
At this point the relevant data and information required to advise on either an overall or specific area is gathered and discussed.
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.
On receiving an enquiry, we will arrange an initial meeting.
The purpose of this meeting is to find out whether we can help you in achieving or moving towards your financial goals.
There is no charge for this and no obligation on either side.
After the initial consultation we will discuss payment options to cover the costs of our services and will not charge anything until an agreement in writing has been reached.
Fees may be subject to VAT at the prevailing rate, depending upon the type of work undertaken.
The purpose of this meeting is to find out whether we can help you in achieving or moving towards your financial goals.
There is no charge for this and no obligation on either side.
After the initial consultation we will discuss payment options to cover the costs of our services and will not charge anything until an agreement in writing has been reached.
Fees may be subject to VAT at the prevailing rate, depending upon the type of work undertaken.
Treating customers fairly (TCF) is central to the delivery of The Financial Conduct Authority (FCA) retail regulatory agenda, which aims to ensure an efficient and effective market and thereby help consumers achieve a fair deal.
Firms must be able to demonstrate that they are consistently delivering fair outcomes to consumers and that senior management are taking responsibility for ensuring that the firm and staff at all levels deliver the consumer outcomes relevant to their business through establishing an appropriate culture.
Firms must be able to demonstrate that they are consistently delivering fair outcomes to consumers and that senior management are taking responsibility for ensuring that the firm and staff at all levels deliver the consumer outcomes relevant to their business through establishing an appropriate culture.
We're here to help you choose the right way to invest your money in order to help you meet your objectives.
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.
There are many types of life assurance policies, all with different features and benefits.
The aim is to provide money for those who may be financially dependent on you, in the way which best suits your needs.
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.
There are many types of life assurance policies, all with different features and benefits.
The aim is to provide money for those who may be financially dependent on you, in the way which best suits your needs.
It is never too early to begin to consider retirement planning.
However, once you reach the stage of considering your retirement income, expert financial advice becomes even more important.
The choices you make at this time will affect your lifestyle, so you need to make sure they are right.
Pensions can be an effective form of tax planning, based on current rules, achieving tax free growth and a tax free lump sum.
Dependent upon your circumstances, you may be able to reduce immediate income tax bills or pass on the value of your pension fund to the next generation.
However, once you reach the stage of considering your retirement income, expert financial advice becomes even more important.
The choices you make at this time will affect your lifestyle, so you need to make sure they are right.
Pensions can be an effective form of tax planning, based on current rules, achieving tax free growth and a tax free lump sum.
Dependent upon your circumstances, you may be able to reduce immediate income tax bills or pass on the value of your pension fund to the next generation.
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