Keith Bonner Dip PFS CeMAP
I am currently qualified to Diploma level and am working towards obtaining Chartered Financial Planner status.
The areas of advice that I like to focus on are Investments and Pension planning. I especially enjoy working with owner-managed businesses helping them build sufficient funds for retirement in the most tax efficient way. I am qualified to give specialist Equity Release advice which is an area that is becoming more relevant today with falling ‘real’ income from cash and some other assets.
Keith Relf BA (Hons) Cert PFS
I helped establish HSCFS in 2005. We built upon the foundation of a pre-existing business relationship and used the experience I had gained as Founder and Managing Director and of an IFA practice which I started in 1993.
I am very proud to say that the maxim I began with – ‘treat others as one would like others to treat oneself’ – has served me well over 22 years. HSCFS‘s ’parent’ company has grown organically; I believe attracting the right type and quality of people. Furthermore, I like to think that this ethical ‘code’ is now totally embedded within all of the organisations I help direct - very much including HSC Financial Services.
In the past, I have worked for several major Life Offices such as Aviva, Clerical Medical and Royal Sun Alliance but realistically owe my start ‘proper’ to a chap who is unfortunately no longer with us – Howard Robinson. He taught me how to always take the long term view and treat all clients, no matter how much they have to save, invest or to protect, with equal care.
Having been an Independent Financial Adviser for well over 20 years I am now concentrating on making our Group of Companies, including HCFP, more effective and visible organisations. I am conscious of maintaining the client relationships which I built over the past 20 years, as these are the foundation of our future growth.
I am Chairman of our Investment Committee and manage our Ethical and Environmental portfolio.
Jill Rickson CeMAP
Having worked within the Financial Services industry for over 18 years I have extensive knowledge of the mortgage market and like to think that there is very little that I don’t know about mortgages.
My work ethic is ‘always do what you say you will do’. I never promise something that I cannot deliver and always keep in regular contact with my clients throughout the mortgage process.
I aim to make the mortgage process as painless as possible for my clients. I hold not only the CeMAP qualification for Mortgages but also ER1 which endorses a specialism in the area of Equity Release.