Steven is a founding partner of Holden and Partners and deals with clients in London, Norfolk and the West Country, ranging from partners in city law and accountancy firms, through to individuals seeking to manage their income in retirement.

Steven specialises in building close working relationships with his clients so that he can provide advice on all areas of financial planning including tax, estate and retirement planning. He also deals with a significant number of individuals who have an interest in the environment and ethical investment. These clients have a requirement for environmental and ethical considerations to be placed at the forefront of their financial and investment planning.

Steven possesses considerable knowledge of socially responsible investment issues and has played a significant role in developing the Holden & Partners approach and commitment to  Sustainable investing.

Steven has dealt with many of his clients for over ten years. He has been quoted on both financial planning and ethical investment issues in Citywire, New Model Adviser and Investment Adviser, and also appeared on the BBC.

Outside of work

After graduating from the University of Essex in Politics and 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 the Hamburg, Nice to Cannes, Florence, Dublin, Amsterdam, Paris, Barcelona and London marathons. Other pastimes include cycling and a passing interest in 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.

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

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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.

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.

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.

DipFP – Diploma in Financial Planning

This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.

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.

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.

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.

Contact us

Whether it’s a question about your personal finances or how you can invest your wealth more ethically, we are here to help. Call us on 020 7812 1460, email info@holden-partners.co.uk or complete the form: