Andy Macguire

Awards & Accreditations

Andy has 20 years’ industry experience in financial services. He has worked as a financial adviser since 2011 dealing with all aspects of financial planning for his clients. Previously, Andy worked for some of the UK’s largest life assurance & pension providers, which has 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 experienced individual.

Areas of specialism include personal taxation, inheritance tax planning and business financial planning, including shareholder protection and key person assurance.

A large amount of Andy’s time has been spent advising clients on the full landscape of pensions advice. This has ranged from educating younger clients on the tax advantages of saving into pensions for their retirement, to devising a suitable strategy for older clients looking to draw a sustainable retirement income from their pension funds.

The 2015 legislative changes to the retirement options on pensions’ access presented a fresh challenge for pension savers, to ensure they were accessing their money in the most suitable manner. Andy has made it easier for his clients to navigate the new pension landscape by providing them with the knowledge and guidance they need, receiving positive feedback from his clients stating that he has helped them to understand what appeared to be a complex range of retirement options, in easy to understand terms.

Outside of work

Andy moved to London from Manchester in 2011, to take on a new work challenge and be nearer to his family. His spare time is normally spent enjoying his hobbies of music and travelling and where possible, combining the two by taking trips away to see a favourite band or artist in different European cities. He also enjoys keeping fit and is taking on his second Tough Mudder challenge later this year.

Qualifications

Andy recently completed his Advanced Diploma in Financial Planning and qualified as a Chartered Financial Planner.

Importantly

All financial advisers in the UK must be registered on the Financial Conduct Authority (FCA) register and hold a valid Statement of Professional Standing (SPS). In an age where financial scams pose a real threat, it’s important to make sure you don’t take financial advice from anyone who doesn’t appear on the FCA Register or hold a valid SPS.

You can view Andy’s entry on the FCA Register by clicking here. You can view Andy’s SPS certificate here.

Qualifications

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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.

My wife and I really value the advice and support we’ve received over many years. Our key contact is Tim Cosway, whose friendly and calm manner is a real plus. He also involves team members who are equally committed. We particularly value that their approach is that no question is stupid – we always receive a clear and helpful explanation. We have full confidence in the team’s management of our finances and definitely recommend them.

Howard

We have consulted Holden and Partners for 10 years.  Having been in financial disarray because of poor advice from our previous financial advisor, we have Tim Cosway to thank for digging us out of a deep financial hole.  As a result of his painstaking tenacity pursuing a claim against our former financial advisor through the Financial Ombudsman Service, which resulted in substantial compensation, we can anticipate a comfortable retirement.  We continue to take Tim’s advice on all financial matters.  He is a pleasure to deal with, and we whole heartedly recommend Holden and Partners, and Tim in particular.

Mike & Jacque

I have been a customer of Holden & Partners since its inception. During this time, no matter what the state of the financial climate, I have always found that their advice has been balanced and fair. They have a good understanding of everyone’s individual circumstances and produced tailored strategies to match these needs and expectations.

Duncan B, NHS consultant

I’ve always received high quality, personable advice at a time of my convenience. My adviser has often travelled to my home in order to provide very personal service. The advice given is clear and unambiguous. The risks of different types of investment have been clearly discussed to allow me to make an appropriate decision on the nature of my investment portfolio. This has been of great importance when considering the available investment options for my forthcoming retirement. I have always considered that Holden & Partners is very client centred and they have my best interests at heart. I have been with Holden & Partners since 1996 and have recommended them to friends and colleagues on many occasions.

Michael, Surgeon

Holden & Partners manage our company pension scheme with a totally professional and dedicated approach. They have worked with us over a number of years, and are able to explain the potential ‘minefield’ that is pensions, to make it perfectly accessible for the staff.

Jeremy, Print Management Partner

On retirement after 40 years of salaried employment, I interviewed several financial advisers, amongst whom Mark Dodd of Holden & Partners was the nicest and seemingly the most understanding of my investment needs and priorities. Since then my wife and I have had regular (c.6-monthly) meetings with him in order to check and, when necessary, adjust the holdings in our portfolio. This has been very helpful and provided a comforting sense of confidence and security. I have recommended Holden & Partners to others and will certainly continue to do so.

Patrick, retired university professor

It’s easy to feel powerless in the face of global trends such as climate change and environmental destruction. But I feel I regain power as a consumer and a citizen by thinking about where I spend my money and to whom I entrust my savings. I chose Holden and Partners because they were recommended to me and because of their strong track record in ethical investments. It has proven to be a wise choice. Their advisors listened carefully to my needs and created an investment strategy and portfolio that has met and indeed continues to exceed my expectations. The culture of a company also matters to me, I have found their advisors to be well informed and financially shrewd but also easy to speak to and engage with. Many of us find it difficult to trust institutions and organisations these days, but I do trust Holden and Partners to make the right decisions on my behalf.
I would have no hesitation in recommending them to others.

Patrick, Advertising and Marketing Consultant

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