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 Ethical, Sustainable and Thematic 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 Steven’s entry on the FCA Register by clicking here. You can view Steven’s SPS certificate here.

 

Qualifications

Close

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.

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

Read all our testimonials

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: