Pembroke Financial Services Ltd

Building an investment portfolio must take into account tax opportunities and implications, attitude to risk and reward and balancing it to the need for income, growth or both.
Wealth creation and management is an ongoing process and we look to have regular contact to ensure that we give you the best chance to achieve your investment and savings targets.
We can provide a full investment advice and portfolio planning service for you.

When it comes to providing for our retirement, too many people are doing too little too late.
Putting away even a small sum early on can make a big difference to the lifestyle you will enjoy when you retire.
The golden rule for most people, is to not rely on the State alone.

For most people, buying their own home will be the largest single investment they ever make.
So, making the wrong decision can become a very expensive mistake. Taking the wrong mortgage can end up costing thousands extra over the lifetime of the loan, and what appears to be the cheapest on day one will not always prove to be so over an extended period of time.

Pembroke Financial Services Ltd offer protection products from the whole of the UK market.

When it comes to your savings and investments, a few easy tax-planning measures can dramatically cut the tax you pay, giving a healthy boost to the returns you and your family get.
Whether we're talking about the money we earn or the money our savings earn for us, the taxman takes as much as 4 in every 10. But while most of us dislike paying tax, over four in every five of us bury our heads in the sand instead of doing anything to cut our rising personal tax bills. In fact as a nation we waste a staggering 9. 3 billion each year by not taking any action.

I founded Pembroke in 1993 after being given the opportunity to set up on my own by a Corporate client who wanted me to be their in house Employee Benefit Consultant. I was to deal with their Group pensions, life assurance, income protection and private healthcare as well as individual employees business such as investments and mortgages 24 years later we are still here and Pembroke has grown from a one man band to a veritable orchestra of 17!
I am very proud to say that the maxim I began with treat others as one would like others to treat oneself has served me well over 24 years. Pembroke has grown organically, I hope attracting the right type of people, and furthermore I like to think that this ethical code is now totally embedded within the organisation.

I worked for several major Life Offices throughout my early Financial Services career but probably owe my start proper to a chap who is unfortunately no longer with us Howard Robinson. He taught me how to always take the long term view and treat all clients, no matter how much they have, with equal care.

I have now taken a step away from giving regulated financial direct advice and am now concentrating my efforts on making Pembroke an even more effective and visible organisation. I am conscious however to maintain the client relationships built over the past 24 years, as these are the foundation of our future growth.

I am Chairman of our Investment Committee and oversee our Ethical and Environmental portfolio.