We are an entirely independent, family owned business which has been established in Guildford for over 55 years. We offer a very high level of expertise and many years of experience. We can review your existing financial situation and give you a realistic assessment of your likely needs or focus exclusively on specific issues requiring advice. In either case, you will need to set aside some time to talk to us - the first one-hour consultation is free.
There is no charge and no obligation while we find out about you and you find out about us. Depending on your instructions, we will normally carry out a needs analysis based on your current situation, taking into account any specific plans and objectives you may have. We will then advise you on anything from achieving short-term financial objectives to helping you prepare a lifetime financial plan.
You will receive professional advice about where your financial arrangements are already sufficient and where they are inadequate. We will help you to decide how much provision you need to make, and the order of priority in dealing with your finances.
There is no charge and no obligation while we find out about you and you find out about us. Depending on your instructions, we will normally carry out a needs analysis based on your current situation, taking into account any specific plans and objectives you may have. We will then advise you on anything from achieving short-term financial objectives to helping you prepare a lifetime financial plan.
You will receive professional advice about where your financial arrangements are already sufficient and where they are inadequate. We will help you to decide how much provision you need to make, and the order of priority in dealing with your finances.
Services
Messer and Matthews Ltd was first established in Guildford in 1964 and has provided over 55 years of committed service to both private and corporate clients.
We hope you will find us friendly and approachable, and whilst we may be a highly qualified, we will try not to "blind you with science".
We believe that part of our role as advisers is to make the complex world of finance easily understood by the lay person.
We provide a range of services from a general financial review to specialist reports on specific pension issues.
We hope you will find us friendly and approachable, and whilst we may be a highly qualified, we will try not to "blind you with science".
We believe that part of our role as advisers is to make the complex world of finance easily understood by the lay person.
We provide a range of services from a general financial review to specialist reports on specific pension issues.
Charles has a long list of professional qualifications and is a Fellow of the Chartered Insurance Institute.
He has been an examiner for the Chartered Institute on many occasions.
Charles is a Chartered Financial Planner and a Fellow to the Pensions Management Institute by examination (which is a higher level qualification in pensions than the more traditional G60 route taken by most advisers).
Charles is therefore one of only a handful of financial advisers holding these high level qualifications both in general financial planning and in the specialist pensions field.
He has been an examiner for the Chartered Institute on many occasions.
Charles is a Chartered Financial Planner and a Fellow to the Pensions Management Institute by examination (which is a higher level qualification in pensions than the more traditional G60 route taken by most advisers).
Charles is therefore one of only a handful of financial advisers holding these high level qualifications both in general financial planning and in the specialist pensions field.
We provide a range of services from a general financial review to specialist reports on specific pension issues.
We will help you plan your finances in the most tax efficient manner taking account of income tax, capital gains tax and inheritance tax, ensuring that you are making the most of every penny.
It is always important however not to let the tax "tail" wag the dog!
So we will ensure that what we recommend you do is the most appropriate action in your own individual circumstances bearing in mind how cautious or speculative you would like to be and your level of financial resources.
We will help you plan your finances in the most tax efficient manner taking account of income tax, capital gains tax and inheritance tax, ensuring that you are making the most of every penny.
It is always important however not to let the tax "tail" wag the dog!
So we will ensure that what we recommend you do is the most appropriate action in your own individual circumstances bearing in mind how cautious or speculative you would like to be and your level of financial resources.
When you first contact us we will ask you to briefly outline your reason for seeking advice, whether it be to conduct an overall financial review or if you need specific advice, for example as you plan for, or approach retirement.
Normally we will then ask you to visit our offices during office hours for an initial consultation.
Whilst we have some clients who live abroad or for whom distance or timing or disability means that the initial consultation takes place over the phone, in most cases a face to face meeting is preferable.
Normally we will then ask you to visit our offices during office hours for an initial consultation.
Whilst we have some clients who live abroad or for whom distance or timing or disability means that the initial consultation takes place over the phone, in most cases a face to face meeting is preferable.
The first hour is always free of charge unless we have specifically stated otherwise and there is no obligation on either side to proceed further.
After the initial consultation, we will agree with you how you will pay for our services, whether you pay a fee as a cheque or bank transfer, or whether our costs are to be met by a deduction from of any financial product you invest in.
You will always receive written confirmation about the fees that are to be paid before you incur the fee so that you are in possession of all the facts before proceeding.
After the initial consultation, we will agree with you how you will pay for our services, whether you pay a fee as a cheque or bank transfer, or whether our costs are to be met by a deduction from of any financial product you invest in.
You will always receive written confirmation about the fees that are to be paid before you incur the fee so that you are in possession of all the facts before proceeding.
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