Andy has over 20 years of experience in financial services. He has worked as a financial adviser since 2011 dealing with all aspects of financial planning. Previously, Andy worked for some of the UK’s largest life assurance & pension providers, which provided the foundations of the industry knowledge and skills that he exhibits today. This gives his clients confidence in knowing they are dealing with a professional and experienced individual.
Andy takes time to understand his clients’ financial goals and lifetime ambitions and recommends a financial plan to help them achieve this. He uses cash flow modelling scenarios to advise what action needs to be taken to achieve each client’s individual goals. This financial plan is reviewed and adjusted annually in line with changing circumstances.
A large amount of Andy’s experience comes from advising clients on pensions and retirement planning. This has ranged from educating younger clients on the tax advantages of saving into pensions, to devising a suitable strategy for older clients looking to draw a sustainable retirement income from their pension funds. Changes to the retirement options on pensions in the past decade have presented a fresh challenge for pension savers. Andy has made it easy for his clients to navigate the new pension landscape by providing them with the knowledge and guidance they need to navigate the complex range of retirement options, in easy-to-understand terms.
Other areas of expertise include tax-efficient investing, protection, inheritance tax planning and business financial planning and protection.
Outside of work
Andy enjoys travel, music, film and theatre. He enjoys keeping fit and is a keen runner, taking part in a London parkrun most Saturday mornings.
Andy has completed his Advanced Diploma in Financial Planning and is qualified as a Chartered Financial Planner. He is a STEP Affiliate after achieving a distinction in the STEP Certificate for Financial Services.
You can view Holden & Partners entry on the FCA Register by clicking here.
Chart FP – Chartered Financial Planner
Having achieved the APFS designation, advisers can go on to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.
AdvDipIP – Advanced Diploma in Financial Planning
This qualification enables professional advisers to develop specialist planning capabilities, covers topics like: personal tax and trust, business financial, pension and investment planning.
AF2 – Business Financial Planning
The AF2 exam syllabus covers the different legal forms of business; the impact of bankruptcy and insolvency; business accounts and controls; taxation in relation to business, owners and employees; legal responsibilities of businesses; business protection insurance; use of pensions in business planning.
AF3 – Pension Planning
This examination assesses the candidate to develop in-depth financial planning skills related to personal and corporate pensions.
AF5 – Financial Planning Process
This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.
DipFP – Diploma in Financial Planning
This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.
J01 – Personal taxation
The exam covers the structure of the tax system in the United Kingdom, the basics of the self-assessment process, the application of income tax to specific types of income and the application of National Insurance contributions to employed and self-employed income. It also covers Capital Gains Tax, the rules relating to Inheritance Tax and how a person’s UK tax liability is affected by their residence and domicile status.
J03 – The Tax and Legal Aspects of Business
At the end of this unit, candidates should be able to demonstrate an understanding of: the main legal forms of business and how they are set up and managed; the consequences of bankruptcy or insolvency; business accounts and financial controls; the taxation of each type of business entity, its owners and employees; the main legal responsibilities businesses have to employees, suppliers and customers.
J05 – Pension Income Options
At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.
J06 – Investment Principles, Markets and Environment
At the end of this unit, candidates should be able to demonstrate an understanding of how the economic environment and individual company performance affect investment performance and investment decision making; how risk is measured and managed; the main principles governing how to construct an investment portfolio; the range of investment management services, how their performance is evaluated and their regulatory environment.
R04 – Pensions and Retirement Planning
This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.
FPC – Financial Planning Certificate
The Financial Planning Certificate (FPC) was a replaced by the Chartered Insurance Institute (CII) in 2005. It was replaced by the following exam modules: UK financial service, regulation and ethics (CF1), investment and risk (CF2), financial protection (CF3), Retirement planning (CF4) and integrated financial planning (CF5).
CF2 – Investment and Risk
This examination assesses a knowledge and understanding of investment products and the risks involved.
CF6 – Certificate in Mortgage Advice
This qualification develops an understanding of the sector and the mortgage process, enabling advisers to meet individual client needs.
G10 – Taxation and Trusts
This examination assesses a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.
ER1 – Equity Release
This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.