Business Details
25 Years
experience
Your Trusted Partner for Independent Financial Advice in Hereford
Established in 2001, Padstone Financial Management has built a reputation for delivering comprehensive wealth management services with a personal touch. Our team of experienced professionals combines deep industry expertise with a commitment to independent advice, utilising cutting-edge technology to provide tailored financial solutions. We pride ourselves on maintaining a culture of care and diligence, ensuring every client receives meticulous attention to detail. With over two decades of experience, including eight years at National Westminster Bank, our leadership team holds advanced qualifications in financial planning, tax, and investment management. As an FCA-authorised firm, we adhere to the highest regulatory standards while fostering continuous staff development through industry certifications.Our approach integrates global market insights with local market knowledge, offering clients access to a wide range of investment products and discretionary management services. We maintain strong partnerships with leading UK stockbrokers and platform providers to ensure optimal portfolio management. Our commitment to transparency is demonstrated through regular portfolio reporting and secure client communication channels. We actively support local charities and adhere to the Financial Vulnerability Charter, reinforcing our dedication to ethical financial practices.
Services
Pensions
Investments
Protection
Tax Planning
Trust Management
Portfolio Management
Financial Planning
Discretionary Management
Client Reviews
Secure Portal Access
Details
- Year established: 2001
Highlights and features
- We offer 20+ years of experience in independent financial advice
- Our team holds advanced qualifications including the Advanced Financial Planning Certificate
- We utilise cutting-edge portfolio management technology with real-time reporting
- FCA-authorised with strong regulatory compliance credentials
- We maintain partnerships with leading UK stockbrokers and platform providers
Associations and certifications
- Financial Conduct Authority
- Vouched For
What people say
Sensible and pragmatic guidance
Actively managed portfolio
More in control
Personal financial situation improved
Comprehensive wealth management
Services
Pensions
We provide comprehensive pension advice covering personal pensions, SIPPs, and occupational schemes. Our experts help clients navigate retirement options including income drawdown and annuities while considering tax implications. With specialist knowledge of pension freedoms introduced in 2015, we help clients optimise their retirement income strategies.
Investments
Our discretionary investment service combines active and passive funds with global exposure through model portfolios. We work with leading platform providers and stockbrokers to create tailored investment strategies. Utilising sophisticated analytics tools, we offer regular performance reporting and risk profiling to ensure optimal portfolio allocation.
Protection
We assess clients' protection needs including life assurance, critical illness cover, and income protection. Our advice considers business continuity requirements and personal circumstances. We help clients understand different protection products and their tax implications while ensuring appropriate coverage for dependants and financial commitments.
Tax Planning
Our specialist tax planning services focus on inheritance tax mitigation through trust structures and gifting strategies. We work closely with solicitors and accountants to provide comprehensive wealth management solutions. We advise on annual gift allowances, main residence relief, and other tax-efficient planning opportunities.
Personal Finance Portal
Our secure online portal provides 24/7 access to financial portfolios with real-time data updates. Features include encrypted messaging, document storage, and open banking integration. Clients can monitor investment performance, track financial goals, and securely share information with their advisory team through this comprehensive digital platform.
People
Mark Young
Director
With 30 years' experience including eight at National Westminster Bank, Mark holds the Advanced Financial Planning Certificate. He established Padstone in 2001 and specialises in retirement planning, investments, and inheritance tax planning while leading our seven-member team.
James Jenkins
Independent Financial Adviser
A Fellow of the Personal Finance Society, James brings 11 years' experience in independent financial advice. He joined Padstone in 2024, combining technical expertise with client-focused service while maintaining active involvement in professional development.
Leah Steele
Operations Director
Since joining in 2013, Leah has developed exceptional IT expertise managing our back-office operations. Her technical proficiency ensures smooth communication systems while balancing family commitments with her role as a key member of our leadership team.
Carl Horton
Paraplanner
Starting as an apprentice in 2014, Carl progressed to become our lead paraplanner. He prepares detailed research illustrations and client reports while maintaining his passion for football and horse racing as an active member of our client services team.
David Hewitt
Chartered Paraplanner
An experienced financial planner with background at Scottish Widows, David provides technical expertise from Edinburgh. He prepares complex client reports, contributes to our investment committee, and combines industry knowledge with ongoing professional development in financial planning.
Questions
What investment options do you offer?
We provide access to unit trusts, investment trusts, ETFs, ISAs, and discretionary managed portfolios combining active and passive funds.
How are you regulated?
We are authorised and regulated by the Financial Conduct Authority (FCA No: 430531) with company number 4366170.
Do you offer pension transfer advice?
Yes, we advise on SIPP transfers, section 32 buy-out plans, and small self-administered schemes with tax implication analysis.
How can I access my portfolio?
Through our secure Personal Finance Portal with real-time data access, document storage, and encrypted client communication.
What protection services do you provide?
We offer life assurance, critical illness cover, income protection, and business continuity planning tailored to individual needs.
How do you charge for services?
We provide transparent fee structures with initial consultations typically offered at no cost to assess your requirements.
