Clear financial decisions begin with advice you can understand. At Candor Rubra Financial Ltd, we provide independent financial planning to individuals, families and business owners from 128 City Road, London. We place particular importance on honest conversations, explaining our recommendations without unnecessary jargon and making our charges known before any work starts. Our name represents the openness that guides our relationships with clients, and we take care to explain why each proposed recommendation is appropriate to their circumstances. Our purpose is to help you establish a practical financial plan and make decisions with a clear understanding of the advice being offered.
We advise on pensions and retirement, from reviewing existing pension arrangements and consolidating pensions to planning how to take income through drawdown and tax-efficient withdrawals. Our investment services include ISAs and general investment accounts, while cashflow planning helps you evaluate your position against your financial goals. We also support company directors and business owners with pension and investment planning. As circumstances and applicable rules evolve, ongoing reviews help ensure your plan remains current. Before any commitment, we offer a free initial conversation without obligation, giving you time to consider whether our service meets your needs. If you choose to continue, we investigate suitable options according to your objectives, attitude to risk and capacity for loss, followed by ongoing support. You can meet us in London or online by video. Investments and related income can fall as well as rise, so you may receive less than you invested. We operate as an Appointed Representative of ValidPath Limited, authorised and regulated by the Financial Conduct Authority.
We advise on pensions and retirement, from reviewing existing pension arrangements and consolidating pensions to planning how to take income through drawdown and tax-efficient withdrawals. Our investment services include ISAs and general investment accounts, while cashflow planning helps you evaluate your position against your financial goals. We also support company directors and business owners with pension and investment planning. As circumstances and applicable rules evolve, ongoing reviews help ensure your plan remains current. Before any commitment, we offer a free initial conversation without obligation, giving you time to consider whether our service meets your needs. If you choose to continue, we investigate suitable options according to your objectives, attitude to risk and capacity for loss, followed by ongoing support. You can meet us in London or online by video. Investments and related income can fall as well as rise, so you may receive less than you invested. We operate as an Appointed Representative of ValidPath Limited, authorised and regulated by the Financial Conduct Authority.
Served areas
- Clapham, Wandsworth, Wimbledon, London, Battersea, Balham, Putney
Details
- Year established: 2025
- Licensed
- Insured
Highlights and features
- Independent financial advice built on honesty, clarity and transparency
- Over 20 years of experience in complex financial planning
- Straightforward wealth management designed for sustainable long-term growth
- Expert mortgage advice tailored to your wider financial plans
- Practical pension planning for a confident and tax-efficient retirement
- Personalised protection and inheritance tax planning to safeguard your legacy
Associations and certifications
- Appointed Representative of ValidPath Limited
- ValidPath Limited is authorised and regulated by the Financial Conduct Authority
- Diploma in Regulated Financial Planning
- Mortgage Advice Certificate
- Equity Release Certificate
- Member of the PFS
- Member of the CII
Services
We provide independent wealth management shaped around your financial goals, personal circumstances and attitude to investment risk. By first understanding your priorities, we develop a tailored strategy covering investments, tax efficiency and financial planning. Our recommendations draw on platforms and funds selected on their merits. With transparent fees agreed in advance, we offer ongoing reviews to keep your plan aligned with changing needs.
Our approach to mortgage advice centres on finding finance that genuinely meets your needs, rather than simply selecting the lowest advertised rate. We compare available mortgages across the market, assessing charges and repayment terms alongside interest rates. From first-time purchases to property moves, remortgages and buy-to-let investments, we consider your individual circumstances and future plans, providing independent guidance without hidden incentives or unnecessary lender preferences.
Our independent protection service focuses on safeguarding your financial wellbeing through life's changing circumstances. Whether you are building wealth, drawing on retirement savings or planning to pass on your estate, we help determine which protection arrangements are appropriate. We also advise on business cover, including key person and shareholder protection. Every recommendation is tailored to your needs, with clear explanations of policy benefits and terms, plus support when circumstances change or claims arise.
Our approach to pension planning starts with understanding what you already have and what you want your retirement to look like. We assess each pension carefully, identifying unnecessary costs and benefits that may be worth retaining before considering consolidation. Because combining pensions is not always the best option, we provide recommendations tailored to your circumstances and plan how your savings can eventually support a sustainable retirement income.
Preserving your estate for those who matter requires more than simply having a will in place. I help you understand how inheritance tax may affect your assets and explore practical ways to manage potential liabilities through available allowances, gifting and appropriate financial arrangements. Careful preparation can help prevent your beneficiaries from facing unnecessary financial pressure or selling family assets to meet tax obligations.
People
Sam Pemberton
Founder
I set the firm up for a simple reason: after twenty years in financial services, I'd grown tired of watching good people get treated as numbers, sold products that suited targets rather than them, and spoken to in jargon that kept them at arm's length. I knew advice could be done better, so I built a firm to do exactly that.
