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Devonshire House
29-31 Elmfield Road

Charles Byrom –  Associate Partner

The majority of my clients are based around Kent and South East London. My aim is to give a down to earth approach and cut through the complexities of the financial world.

I like to form partnerships with my clients so that with my help they achieve a greater degree of financial independence and freedom.

The value of your investment can go down as well as up and you may not get back the full amount invested. There will be a fee for mortgage advice which will depend on the amount you are looking to borrow, your requirements and circumstances. We typically charge £250 for analysis, research and recommendation of a mortgage and £500 for implementation. We will offset any commission we receive from the lender against these fees. Your home may be repossessed if you do not keep up repayments on your mortgage. This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration.

  • Specialities

      The simple answer is – none! I think it is important to see the whole financial picture, including planning before and after retirement, making sure that my clients’ money is working hard and protecting what is important to them.

      I help a wide variety of people; providing a variety of solutions and strategies across all areas of financial planning:

      • protection;
      • retirement planning;
      • saving for the future;
      • investing and mortgages;
      • equity release; and
      • long-term care.

      I also work closely with several small to medium sized companies; advising and implementing employee benefits and providing financial advice to their employees.

  • Qualifications

      Best Newly Qualified Adviser Award 1998.

      Three years at Pearl Assurance after qualifying through their innovative Financial Academy. Involved in the nationwide launch of stakeholder pensions and worksite marketing.

      Fully qualified financial adviser (DipFA).

      Qualified in:

      • mortgages;
      • equity release; and
      • long-term care.
  • Biography

      I live and work in North Kent, so the majority of my clients are in and around Kent and South East London. However, I do have many long standing clients who are further afield and who I visit on a regular basis. My clients – wherever they are – tend to appreciate a straightforward, down to earth approach with no smoke and mirrors and no jargon.

      One simple question – ‘If we were to sit down in three years time, what would have needed to have happened for you to be happy’. I am a long-suffering supporter and season ticket holder for Ebbsfleet United – previously Gravesend and Northfleet FC.

  • Testimonials

      Mrs LS SE London

      “Charles is always available always comes back on time with all necessary information requested. Excellent job. His advice is always informative and understandable.”

      Mr and Mrs A Weymouth

      “We have received investment advice from Charles for many years now and have always found him courteous, friendly and professional. So much so that we continue to use his services despite having moved from Kent to Dorset. We have also recommended him to both family and friends.”

      Umesh Patel Accountant, SE London

      “In my dealings with Charles I have found him to be precise in his advice. Charles explains technical matters in plain English and by way of examples. Nothing is too much trouble for Charles and I have no trouble in recommending him.”

      Ray Austin retired, SE London

      “Charles Byrom has been my adviser for many years and I can highly recommend him. He calls on me once or twice a year to review my investments. He will occasionally point out alternatives but there is never any sales pressure. I have never had cause to change any of the investments he has recommended. He is very clear with his advice with regards to risk and possible returns but any decisions are left to me to make. He is very reliable and efficient, always returns phone calls and deals promptly with any queries or problems. It is good in these difficult times to have someone to be able to call on for advice and I have always found Charles to be reliable and trustworthy.”

      Alan Shewan retired, Surrey

      “He has given me (a cautious investor) the service I have asked of him. The advice that he has given is supported by his reasons for giving it. Any questions I have are answered clearly and I have every confidence in him and the way he does business.”

      Brian Davis retired, Kent

      “I have known Charles Byrom in a professional capacity for several years. I have always found his knowledge of the financial market first class; he never fails to explain and advise me of current developments in a clear and professional manner. Any updates on my investments he will telephone to arrange an appointment which is convenient with me and I in return know I can always contact Charles if I need any clarification appertaining to my investments. Charles is very professional and approachable which puts me at ease when at times the financial market can be complex and daunting. I would not hesitate to recommend Charles as a financial adviser to my colleagues and friends in the future.”

Q2 quarterly investment review of 2022

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