Stefani Williams

Awards & Accreditations

Working across all areas of financial planning, Stefani provides her clients with a personal and tailored wealth management service.

Stefani truly values the strong relationships she has developed with her existing clients, and also enjoys meeting and establishing new connections. She takes the time to gain an understanding of her clients’ individual situations, needs and aspirations in order to support them to achieving their lifetime financial goals.

She works with her clients to ensure they make well-informed financial decisions by implementing a financial plan, which provides clarity on what action they need to take. As her clients’ circumstances and aspirations evolve over time, their plans are reviewed and adjusted, when necessary.

Stefani has a large number of clients who have a keen interest in investing in an ethical, sustainable and thematic manner. She will ensure that their individual environmental and ethical considerations are placed at the forefront of their financial and investment planning.

Stefani’s areas of expertise include tax-efficient investing, retirement planning (both pre and post-retirement), inheritance tax planning and arranging protection.

Stefani works alongside her network of professional connections such as lawyers and accountants, to ensure that all areas of a client’s financial plan are dealt with appropriately.

Outside of work

Stefani lives in Purley with her husband Stuart and young son Oscar. Outside of work, Stefani is kept busy by Oscar’s active social life but when a babysitter has been appointed, she will splash out on a nice meal to catch up with friends and family.

She enjoys travelling across the globe and will always spend at least a week skiing in the Alps.

Qualifications

Stefani achieved her Chartered Financial Planner status in 2013 and has been a STEP (Society of Estate and Trust Practitioners) Affiliate since 2015. Stefani graduated from the University of Sheffield, with a BA Hons in Economics.

We are proud to say that Stefani was a finalist at The Professional Adviser’s Women In Financial Advice Awards 2019 and was ‘Highly Commended’ by the judges

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 Stefani’s entry on the FCA Register by clicking here. You can view Stefani’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.

STEP Certificate for Financial Services – Trusts and Estate Planning

This qualification is a collaboration between STEP and CLT International (CLTI). This Certificate bridges the divide between solicitors and financial advisers, enabling those in financial services to work more effectively with other professionals

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.

AF1 – Personal Tax and Trust Planning

This examination assesses the candidate to develop in-depth financial planning skills related to personal tax and trusts.

AF3 – Pension Planning

This examination assesses the candidate to develop in-depth financial planning skills related to personal and corporate pensions.

AF4 – Investment Planning

This examination assesses the candidate to develop in-depth financial planning skills related to investments and the management of investment portfolios.

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.

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.

R02 – Investment Principles

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

R03 – Personal Taxation

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

R04 – Pensions and Retirement Planning

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

R05 – Financial Protection

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

R06 – Financial Planning Practice

This qualification helps advisers develop and demonstrate their financial planning capabilities.

RQF – Level 4 Diploma in Regulated Financial Planning

This diploma meets the FCA’s qualification requirements for retail investment advisers, developing core technical knowledge and financial planning capabilities across six core areas.

Certificate in Financial Planning

This qualification develops knowledge and understanding of the financial services industry in general, including regulation and legislation, and the fundamental aspects of customer service, administration and marketing in financial services, and key retail investment products.

Certificate in Life & Pensions

This qualification develops knowledge and understanding of the sector and its activities, key customer needs, solutions and products, and how individuals and organisations work within a regulatory and legislative environment.

CF1 – UK Financial Services, Regulations, and Ethics

This examination covers UK financial services, regulation and ethics.

CF2 – Investment and Risk

This examination assesses a knowledge and understanding of investment products and the risks involved.

CF4 – Retirement Planning

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

CF5 – Integrated Financial Planning

The purpose of this examination is to demonstrate a solid grounding in the financial services industry and its regulation.

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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