Business Details
15 Years
experience
Trusted Financial Advisers for Start-ups and Self-Employed
At V S Associates, we specialise in providing independent financial advice tailored to the unique needs of start-up businesses, micro-businesses, and self-employed individuals. With over two decades of experience, our founder Victor Sacks has developed an in-depth understanding of the financial challenges faced by entrepreneurs and business owners. Our approach prioritises active listening to fully grasp clients' personal and business objectives before crafting customised financial plans. We serve clients across Cambridgeshire, Huntingdonshire, and Bedfordshire, with additional support available through regular visits to London. Our commitment to transparency ensures clients receive balanced advice covering both opportunities and risks.We maintain the highest professional standards, adhering to strict regulatory requirements and continuous professional development. Our holistic approach integrates financial planning with accounting services through strategic partnerships, offering comprehensive solutions. We pride ourselves on clear communication using plain English, making complex financial concepts accessible. Our track record includes successful long-term relationships with clients, including supporting business transitions and family financial planning. We actively engage with the local community through charitable initiatives and media contributions, reinforcing our commitment to financial education and support.
Services
Financial Planning
Pension Advice
Business Finance
Tax Planning
Retirement Solutions
Details
- Year established: 2011
Highlights and features
- We specialise exclusively in advising business owners and self-employed individuals
- Our local expertise serves Cambridgeshire, Huntingdonshire and Bedfordshire communities
- We maintain a trusted network of professional contacts to support client needs
- We understand the time constraints of business owners and family commitments
- We guarantee timely delivery of all promised services and communications
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Highly recommend Victor
Fantastic service
Extremely safe hands
Brilliant at his job
True and honest opinion
Services
Financial Planning
Our comprehensive financial planning service helps business owners create structured strategies for wealth accumulation and protection. We assess your current financial position, identify long-term goals, and develop tailored roadmaps to achieve financial security. Our approach considers both personal and business financial needs, ensuring alignment with your entrepreneurial journey and family requirements.
Pension Advice
Specialist pension guidance for self-employed professionals and business owners. We navigate complex pension options to create tax-efficient retirement strategies. Our service includes regular reviews to ensure your pension remains aligned with changing regulations and personal circumstances, providing peace of mind for your future financial security.
Business Finance
Tailored financial solutions for business owners covering investment strategies, succession planning, and business protection. We help entrepreneurs optimise their financial structures, manage cash flow effectively, and implement strategies for sustainable growth while maintaining compliance with regulatory requirements.
Tax Planning
Strategic tax planning services designed to maximise business efficiency while maintaining compliance. We help clients understand their tax obligations, implement legitimate tax-saving measures, and structure their finances to optimise tax positions within the framework of current legislation and business objectives.
Retirement Solutions
Custom retirement solutions that balance growth potential with capital protection. Our service focuses on creating sustainable income streams while managing risk appropriately. We help clients transition from business ownership to retirement, ensuring financial security through carefully structured investment portfolios and income strategies.
People
Victor Sacks
Independent Financial Adviser
With over 20 years' experience in financial services, Victor specialises in advising business owners and self-employed individuals. He established V S Associates in 2011 after a successful career at HSBC Bank. Victor combines technical expertise with a personal approach, focusing on clear communication and practical solutions for entrepreneurs.
Questions
What types of businesses do you work with?
We specialise in supporting start-up businesses, micro-businesses, and self-employed professionals across Cambridgeshire and surrounding areas.
How do you charge for your services?
Our fee structure is transparent and discussed upfront. We offer both hourly rates and fixed-fee arrangements depending on the service required.
Are you regulated by any official body?
Yes, we are regulated by the Financial Conduct Authority and maintain full compliance with all professional standards and requirements.
How often will we review my financial plan?
We recommend annual reviews, with additional check-ins available as needed to ensure your plan remains aligned with changing circumstances.
Can you help with both personal and business finances?
Yes, we provide integrated financial planning that addresses both your personal and business financial needs simultaneously.
What makes you different from other advisers?
Our exclusive focus on business owners and self-employed professionals, combined with our practical approach and local community commitment.
Videos
Reviews (4)
Alex Hughes
Apr 14, 2021
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Victor is a phenomenal man, what makes a good IFA is their experience and the relationship you have with them.
P.s. search #FridgeTalk for some.of the advice he happily shares publicly
P.s. search #FridgeTalk for some.of the advice he happily shares publicly
Esther Whalley-Poulton
Apr 01, 2021
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I have read the reviews on VS Associates. Victor is highly recommended. Personally, I would agree with that. From financial advice to the personal, friendly manner that greets you. In a world where money rules, you will find an honest, which is rare, professional human being who is still capable of giving you good, straight talk advice with no complicated big words... Basically, he does what it says on his tin
Oliver Jenkins OliJ
Feb 14, 2021
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Had some amazing guidance from Victor over the past week - as a 23 year old with my own business, looking to plan financially for the future, Victor's experience and knowledge on all things from acquiring income protection to investments to pension plans means his guidance has helped me to map out a path ahead both in the short-term and even right through to later life. For a young person looking for guidance I couldn't recommend Victor enough - truly incredible service and a great guy to have a chat with!
Claire Bristow
Aug 15, 2020
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I first met Victor in January 2020 shortly after I had set up a company and was getting lots of paperwork on pensions. We had a coffee and he pointed me in the right direction for both my company and my personal pension.
Said it would be unethical to do through him as it was small amounts so he told me what to do. If a company tells you how to do something without them earning money then to me they are giving you the best advice. If I had thousands to invest Victor would the the only place I would go.
Said it would be unethical to do through him as it was small amounts so he told me what to do. If a company tells you how to do something without them earning money then to me they are giving you the best advice. If I had thousands to invest Victor would the the only place I would go.
