About us

B & S Financial Management Ltd is a firm of independent financial advisers offering advice on investments and savings, pensions, and protection for both business and personal clients.

Company Profile

Established in 1985, B & S Financial Management Ltd is a privately owned, experienced and forward thinking company. We have accumulated over 50 years of collective investment and mortgage experience and take pride in the expertise of our staff.

Our approach is based on integrity, professionalism, and impartiality.  We are not influenced by any allegiance to insurance companies or banks, and we believe that this is of great value to our clients.  The fact that we are independent means that we act on your behalf and we will research the whole of the market to provide you with advice and services to suit your needs and meet your personal requirements.

Several of the former Partners of Beever and Struthers (Chartered Accountants) are directors and shareholders in B & S Financial Management Ltd.  There are significant synergies between the two organisations and it enables us to deliver a fully integrated Financial Planning and Wealth Management proposition.

How We Work

We offer clients a choice of advice services designed to meet their changing needs.  Your objectives, needs and ambitions are important to us and we will work in partnership with you on a personal basis.  This allows us to be clear about what your expectations are from us and to determine what you are aiming to achieve, fix, or avoid.

Once we understand what is important to you and documented your needs and objectives, we will undertake comprehensive research of the market and then develop and present solutions and recommendations based on what will support what you want to achieve.  We will also explain the range of choices you have to work with us to keep your plan on track as your circumstances change and develop.

Where you wish us to review this advice or your financial circumstances and personal situation we will agree the basis of these reviews and any service support with you at the outset.  We will ensure in these circumstances that any changes in personal requirements, market conditions, or financial regulation are assessed and ensure you continue to receive appropriate advice and service.

B & S Financial Management Ltd provides advice to personal and business clients in the following areas:-

Personal Financial Planning

  • Investment Advice
  • Wealth Management
  • Pension Planning
  • Life Assurance and Protection
  • Estate and Inheritance Planning

Business Services

  • Group Life Assurance
  • Keyperson Insurance
  • Shareholder/Partnership Protection
  • CBusiness Insurance

B & S Financial Management Ltd will provide you with distinct and clear choices for the advice and ongoing service necessary to meet your needs and suit your budget.

Our specific services include:

  • A Wealth Management Service designed to cater for the increasingly complex tax and financial planning requirements of clients.
  • Advice on all aspects of pensions including Self Invested Personal Pensions (SIPPs); Group Pensions; and your choices at retirement.
  • Investment advice
  • Protection; helping to make sure you and your family have financial security should adversity strike.

Our initial meeting is usually without charge after which we provide a full explanation of costs in writing. We do nothing until we have a thorough understanding of your requirements and using this knowledge we can identify the products that will enable you to achieve your goals. We then prepare and analyse recommendations, assessing benefits against cost. Our final proposals are well-researched and constructed on the basis of what is best for you.

B & S Financial Management Ltd focuses on a personal service. We cover the whole financial services market. Whatever your financial planning needs, we have the expertise to provide the answer.


Contact Us:
Tel: 01925 909620   Email: DEllis@bandsfinancialmanagement.co.uk