Armstrong Davis Ltd offers clients a complete financial planning service by utilising the most up-to-date methods and strategies available and by partnering with other forward-thinking and expert professionals where clients have needs outside of our own specialisms. We aim to be the highest qualified financial planners you can find.

We lead the management of wealth.

The Managing Director, Jonathan Davis, was the Chair of The Institute of Financial Planning London Region for 2005 and 2006 - the primary professional body for financial planners in the UK.

Jonathan Davis is a Chartered Financial Planner and a Fellow of the Personal Finance Society - the primary educational body for financial planners in the UK (see www.thepfs.org).

Armstrong Davis is a fee-based financial planning practice - we charge for our expertise so you NEVER need to wonder if we are motivated by anything other than simply seeking to deliver to you the finest financial planning service possible.

Jonathan Davis has built up a wealth of experience in financial planning matters over a period of some 20 years.

Jonathan Davis is often asked to comment on personal finance issues in the media such as Panorama, Tonight, Channel 4 News, Sky News, 5 Live, Radio 2, Financial Times, What Investment etc.

We have two offices - The City and 5 Lakes Court, St Margaretsbury, Stanstead Abbotts, Herts sg12 8es.

We are confident that the service we provide is second-to-none in terms of quality of advice, efficiency and empathy in how we deliver it and value for money.

Please take the time to look at our website. Then decide if you feel you ought to open a dialogue which costs nothing - we will gladly speak to you on a no-obligation basis to see whether we can help you to achieve your goals and determine if we are the right advisers for you. We look forward to hearing from you.

Jonathan Davis is qualified as follows:
- B A (Accountancy and Management Science);
- M B A (Lyon and Cranfield);
- F C I I - Fellow of the Chartered Institute of Insurance - Chartered Insurer;
- A I F P - Associate of the Institute of Financial Planning;
- F P F S - Fellow of the Personal Finance Society (www.thepfs.org) (Chartered Financial Planner) with specific qualifications in pensions, investments, taxation and family trusts.

Office Manager - Mark Pocock

Trainee Chartered Financial Planner - Joe Neduvelil BSc MSc

Investment Management
Whether or not you have attained financial independence you need to ensure your investments, pensions funds, ISA's and PEP's etc are optimally established to ensure they are all focused on delivering for you what you need.

Our particular expertise lies in portfolios of £0.5M and upwards of pensions and other holdings.

What is Financial Planning Advice?
To answer this we must consider the difference between Financial Planning Advice and Financial Advice.

Financial Advice, to us, is the transaction of financial products such as an investment arrangement. For example, an adviser advises you on the best ISA fund.

This to us is not advice but broking - almost like car or house insurance.

We provide Financial Planning Advice.

Financial Planning Advice is about creating strategies and structures to enable you to attain financial independence - if you are not already there. Financial independence can be defined as a position when you work because you want to - not because you have to.

If you have attained financial independence, Financial Planning Advice will aim to ensure you retain your wealth and apply it optimally to meet your lifestyle needs and wants.

Tax Planning
You may have an accountant however does s/he actually help you reduce your tax bill by structuring your affairs such that income tax, capital gains tax and/or inheritance tax will be reduced.

We have access to many facilities where taxes can be reduced. We regularly obtain large five figure income tax repayments for our wealthier private clients. We expect our larger clients to obtain six figure repayments in the near future.

Are you concerned about future inheritance tax? Again we know how to reduce it.

All our arrangements are tried and tested and we will only recommend arrangements where there will be a clear advantage to you for doing so.

If you are a high earner paying a lot of income tax, if you are concerned about IHT (that your children will have to pay) or if you are paying capital gains tax on your investment portfolio you might find it to be worthwhile to speak to us.

Normally we either charge by project cost or by reference to the amount invested through us. We do not act until you are totally clear as to our costs and agree for us to proceed.

We do not act unless we can add value to your current position.

There will be no charge to meet. If you instruct us to act for you the cost of the initial time will be included in our overall charge.

Authorised and Regulated by the Financial Services Authority.

Registered in England No 05942730.

Past Chair for the London region of the Institute of Financial Planning (www.financialplanning.org.uk).

One of the most highly qualified and experienced financial advisers in the UK.

Past Vice Chair, Broxbourne CAB.