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Steven Pyne
Financial Planner & Managing Partner
Awards & Accreditations
Steven is a founding partner of Holden and Partners. He works with clients in London, Norfolk, and the South East and specialises in assisting media, television, and advertising executives, although his clients come from a wide variety of backgrounds.
Steven builds close working relationships with his clients and provides advice on all areas of financial planning, including tax, estate, and retirement planning. He also deals with a significant number of individuals who are interested in the environment, ethical investment, and philanthropy. These clients require environmental and ethical considerations to be at the forefront of their financial and investment planning.
Steven has considerable knowledge of socially responsible investment issues and has played a significant role in developing Holden & Partners’ approach and commitment to Responsible and Sustainable investing.
Steven has worked with many of his clients for well over ten years. He has been quoted on both financial planning and ethical investment issues in Citywire, New Model Adviser, and Investment Adviser, and has also appeared on the BBC.
Outside of work
After graduating from the University of Essex in Government, Steven lived and worked in Vancouver. He now lives happily in Norfolk with his wife Sarah and three children, Felix, Rafa and Stella. He divides his time between Norfolk and London.
After work and running the kids around to their various after-school and weekend activities, there isn’t much time left for hobbies. However, Steven has run numerous marathons including some abroad. Other pastimes include cycling and following the ups and downs of Watford football club. In addition, he is a close follower of environmental matters and politics.
Qualifications
Steven is a Chartered Financial Planner and holds the Advanced Diploma in Financial Planning. He has advanced level exam passes in Taxation and Trusts, Investment Planning and Pensions and is an associate of the Personal Finance Society. He has also studied behavioural coaching.
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.
Qualifications
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APFS – Associate, Personal Finance Society
To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.
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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.
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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.
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AF3 – Pension Planning
This examination assesses the candidate to develop in-depth financial planning skills related to personal and corporate pensions.
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AF4 – Investment Planning
This examination assesses the candidate to develop in-depth financial planning skills related to investments and the management of investment portfolios.
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DipFP – Diploma in Financial Planning
This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.
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J04 – Pension Funding Options
At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.
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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.
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CF2 – Investment and Risk
This examination assesses a knowledge and understanding of investment products and the risks involved.
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CF3- Financial Protection
This examination assesses a knowledge and understanding of financial protection plans.
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CF4 – Retirement Planning
This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.
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CF6 – Certificate in Mortgage Advice
This qualification develops an understanding of the sector and the mortgage process, enabling advisers to meet individual client needs.
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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.
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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.
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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.
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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.
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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.
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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.
