Combined Financial Strategies (CFS) is one of the UK’s leading independent financial advisers, offering award-winning advice on retirement planning, investments, tax efficiency, legacy planning and more. The business is led by Jonothan McColgan, a chartered financial planner who has been awarded UK financial adviser of the year and many other awards. He is a sought-after commentator in national publications including the Financial Times, The Times, the Daily Telegraph and the Mail on Sunday. CFS provides a completely independent and personalised service. Because we’re a small team of experts, we focus on every single client and delivering a highly personalised service. Your needs are different from anyone else’s, so your advice should be too. By taking financial advice you gain access to expert knowledge and experience. We will make sure you’re doing what you need to do to protect and build your wealth and to maintain your lifestyle into retirement. Anything to do with your future is always a compromise – but it is vital to know that you’ve made the right compromises for you, and that your finances are under control. We can advise on how you can build your wealth, protect your wealth, plan for worst case scenarios and maintain your lifestyle into retirement. We use a wide range of tools to achieve this, including investments, pensions, tax strategies and protection, but the most important thing is to understand your hopes and aspirations and focus on what you want to do in life. That always comes first. Combined Financial Strategies Limited is an appointed representative of The Whitechurch Network Limited which is authorised and regulated by the Financial Conduct Authority. Taxation advice is not regulated by the Financial Conduct Authority.