IFS Wealth & Pensions
We believe that life is not a rehearsal. You only have one chance to live it the way you want – there is no take two!
Our job is to help our clients get and keep the lifestyle they want.
We regard financial planning as a journey to help you achieve your life goals. Our focus is not on gathering as many clients as possible but rather on making sure we evolve, adapt and continually strengthen the service we give to our clients. As such, we aim to work with like-minded clients who are prepared to embark on this journey with us.
We believe everyone has the power to live life on their own terms. Financial security, freedom, and plenty of time for their loved ones. No compromises.
In many ways then, life is like a jigsaw puzzle. Your vision of the future tells us what your completed puzzle looks like. You dream it and we’ll help you put the pieces together in the most efficient way. We call this your Financial Plan.
With everything we do, we aim to provide greater clarity and control over your finances. It’s your puzzle, your future, you are in the driving seat. The result is full confidence in achieving and maintaining the lifestyle you love.
IFS Wealth & Pensions is an accredited Chartered Financial Planning firm which is widely regarded as the gold standard for financial advice and planning. There are fewer than 600 firms in the whole of the UK that are Chartered and we’re one of them.
We are Chartered Financial Planners, publicly committed to a customer-first approach and values that align with a professional Code of Ethics. We’ll provide solutions relevant to your needs, maintaining our knowledge through qualifications and ongoing professional development.
Our clients enjoy peace of mind knowing that an ethical and highly qualified professional is looking after them. In short, we sit on the same side of the table as you do, and we work for your best interests only.
Lifestyle Cashflow Planning/Modelling helps you answer the big question:
“Have I got enough money?“
This is at the heart of what we do as Chartered Financial Planners. After establishing the future lifestyle you wish to live, including your goals, aspirations, ideal retirement age etc., we then graphically illustrate your financial future and identify any concerns and shortfalls.
This then forms the foundation of the Financial Advice we subsequently provide to help you achieve and maintain the life you want, without worrying about running out of money. Watch our Cashflow Model Video to learn more.
Our expertise – what we do for clients
Investments & Savings
- Review your existing investments
- Ensure your money is working hard
- Help you save tax-efficiently
- Whole of market research
Pensions review
- Review & consolidate your pensions
- Help you save tax & retire comfortably
- Auto-Enrolment & director’s pension
- Whole of market research
Retirement Planning
- Explain your at-retirement options
- Flexi-access, annuity, drawdown
- Peace of mind financial freedom
- Whole of market research
Mortgages & Insurances
- Explain the different mortgage types
- Family protection & peace of mind
- Life insurance, critical illness & more
- Whole of market research
What our clients say
- Will L.
I had the pleasure of working with Ricky Chan from IFSWP as I navigated the Help to Buy scheme as a first-time buyer. Ricky was exceptional in making what initially seemed like a daunting and complex process incredibly straightforward and stress-free. His ability to break down financial jargon into easy-to-understand... read more terms was invaluable, allowing me to make informed decisions with confidence. Ricky was not only highly professional but also approachable and friendly throughout the entire process. His wealth of knowledge and clear communication made the experience seamless. I'm so impressed with the service that I've continued to use IFSWP for other financial matters, including pensions and investments. I highly recommend Ricky and the team for anyone looking for expert financial advice!
2nd September 2024Cheng L.Ricky and the team at IFS Wealth and Pensions have helped me so much in my re-mortgaging journey. If only I had worked with them on my first ever mortgage deal! They were diligent in their work and have always explained in simple terms what my next steps should... read more be. They have a great wealth of knowledge in the housing market as well as general advice on other related matters to due with my mortgage and finance. I have successfully mortgaged with them and they will be my first point of call with whatever my next move will be. Thanks again Ricky and team!
12th August 2024AriI can only say after/before when all else fails, you best get in touch with Alan as he can provide the best going advice when it comes to any mortgage products. I urge everyone to make the call and find out the difference for themselves. God bless
12th August 2024 - mick m.
Back in 2016 after 30 years service I was about to retire, my company pension looked ok but I felt I could do better & wanted to secure the best possible ongoing regular income along with accessible cash availability. So on the recommendation of a close friend, who is... read more a senior accountant with one of the major banks, I contacted Ricky Chan. Having met Ricky I felt confident that his advice & service would be perfect for my needs & I appointed him as my financial adviser in respect of the funds that we transferred out of my company pension fund along with my other sources of income. My experience from our meetings & our other exchanges ever since have proved that original confidence to have been fully borne out. I have the utmost confidence in his judgement & he has always dealt with my enquiries in clear comprehensible terms ensuring I have a full understanding of his recommendations & his knowledge & experience ensures that potential issues are rounded off in the normal course of his management of my finances & when any situation calls for specific expert advice he has the relevant contacts to advise &/or deal with such matters. He always leaves me at ease & enlightened & keeps my finances ahead of the game but certainly not I any speculative way. He is great company & our meetings are very pleasant occasions & my retirement fund & other finances have performed very well under his management & guidance. Mick Moohan
26th July 2024Lana S.Given that I don't have much credit history, I decided to engage Alan's help in my mortgage application. Alan is professional and very knowledgeable. Since I am new to the process, he is extremely patient and helpful in clarifying all my queries. Most importantly Alan is very responsive, super... read more efficient and getting things done. I was fortunate to have my mortgage come through within a week of application (of course this would be subjected to many factors). I also appreciate him being there for me whenever I needed his advice and guidance to navigate this. Coming from a customer facing background, I can truly say that Alan has definitely provided a high standard of service which I found it quite rare to find. I am very thankful and highly satisfied with what he has offered and would highly recommend Alan and IFS to anyone. Keep up the excellent work. I am so glad I had your help!
26th February 2024Meha F.I just want to say a big thanks to you Alan Chan for all of your assistance with our case. The attention to detail you have shown combined with your thorough knowledge of the marketplace have enabled us to achieve what seemed otherwise unreachable and we are now racing... read more towards our moving day! Both I and Lucas are extremely grateful for everything you have done for us and I would highly recommend your services to anyone seeking a Mortgage. It costs nothing to make the initial enquiry but I am sure others will be pleasantly surprised at how you can navigate them through the minefield that is the mortgage world to achieve the best possible outcome just as you did for us. So thanks again for everything you have done to assist us and allowed us to move on in the property market.
26th October 2023 - Joshua A.
I will absolutely recommend IFS to anyone looking for assistance with a mortgage. Alan has gone by far above and beyond in guiding me through the process as a first time buyer and finding me a mortgage. Alan has always been professional, communicative, knowledgeable, patient and quick to answer... read more any queries I may have. Alan, thanks so much for your help and patience.
26th September 2023Karl T.Alan helped me secure a mortgage recently which went smoothly. We had great communication throughout the process and the next steps are always explained clearly and concisely. Alan is clearly very knowledgeable and was able to advise the various mortgage options in the market tailored to my circumstances. ... read more Thank you for your help, Alan! I would recommend IFS Wealth & Pensions to anyone.
26th August 2023Sharon H.Thank you for all the professional advice and assistance by Ricky Chan. Ricky was responsive and helpful. We highly appreciated with his service and recommend IFS! 😊😊 👍🏻
26th August 2023 - Nicholas B.
Excellent
26th August 2023Ryan T.Highly recommend. Professional and efficient. They helped me a lot on my first mortgage in UK.
26th August 2023CWAlan has been fantastic to work with and provided sound professional advice. He was always on hand to answer any queries and was supportive throughout the process. Would definitely use his services again.
26th August 2023 - Jack H.
I'd strongly recommend Alan to anyone. He managed my pension while I was self-employed, and helped my partner and I find a fantastic (and timely!) deal on our mortgage. He's always available to give excellent, clear, financial advice. Someone I trust implicitly with discussing my plans for the future.
26th August 2023Sam M.Highly recommend IFS Wealth & Pensions. Alan Chan has been advising me for years, always super efficient, professional yet feels like you are talking to a friend and there are also the little things that don't go unnoticed, gentle reminders, honesty and birthday cards from IFS. He has advised on... read more pensions, mortgages, options and answered any queries clearly. I trust him 100%.
26th August 2023Westin W.I really want to say thank you to ricky's team.They can provide an excellent mortgage advise. Many thanks their effort👍
26th August 2023