Mark Pate
Financial Planner & Partner
UPDATE: Mark has now retired and his clients are being looked after by new members of the team. If you need to get in touch please contact info@holden-partners.co.uk
Mark is a founding partner of Holden & Partners and is able to draw upon more than 30 years of financial planning experience. He deals with a select group of clients, some of whom he has known for over 25 years, advising them on all areas of their financial planning.
Mark specialises in building client portfolios for their retirement, and managing income streams when clients do eventually retire. Mark prides himself on the close working relationships he builds with his clients. The fact that Mark has so many long-standing clients is a testament to his advisory skills.
Outside of work
Mark enjoys his home life in ‘Hove by the sea’ and divides his time between there and London. He confesses to being a Brighton & Hove Albion season ticket holder. Mark is a keen golfer, although he laments his current 11 handicap as he remembers fondly the halcyon days playing to a 4 handicap.
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 Holden & Partners entry on the FCA Register by clicking here.
Qualifications
CloseAF4 – Investment Planning
This examination assesses the candidate to develop in-depth financial planning skills related to investments and the management of investment portfolios.
DipFP – Diploma in Financial Planning
This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.
R01 – Financial Services, Regulation and Ethics
This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.
CF2 – Investment and Risk
This examination assesses a knowledge and understanding of investment products and the risks involved.
CF3- Financial Protection
This examination assesses a knowledge and understanding of financial protection plans.
CF4 – Retirement Planning
This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.
CF6 – Certificate in Mortgage Advice
This qualification develops an understanding of the sector and the mortgage process, enabling advisers to meet individual client needs.
CF7 – Certificate in Financial Planning and Lifetime Mortgage Activities
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, lifetime mortgage products, repayment options and the giving of mortgage advice.
CF8 – Certificate in Financial Planning and Long-Term Care Insurance
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long-term care insurance products and the giving of long-term care insurance advice.
MAQ – Mortgage Advice Qualification
This qualification assesses the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.
SV1 – Saving and Investments
This examination assesses the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.
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.
G20 – Personal Investment Planning
This examination assesses a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.