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
Recently used IFS Wealth & Pensions in order to take out a mortgage to buy my first home. Alan was recommended highly and used by family members in the past so had full confidence in him. Alan made everything clear to me from the start providing clear advise and... read more assisting me through a rather tough purchasing process which included a lot of back and forth with solicitors in order to get a mortgage offer. I would happily recommend him to anyone who asks.

Sam A.
2nd August 2026I cannot praise this company highly enough. If I only had three (3) words to sum this Company up they would be: trustworthy, calm and professional. I have dealt with them for the past decade and I will always continue to do so.They have always been there when I needed... read more help and advice with my financial planning. I would 100% recommend them to anyone who requires help with their finances. Keep up the very good work!

Paul P.
25th July 2026Great services A+++++. Thank you for your thorough guidance during the purchase of our first home. Very knowledgeable and experienced. Much appreciated!

Long T.
23rd July 2026We worked with Alan as our mortgage broker. We found him to be knowledgeable, responsive and helpful in explaining the processes and detailing our options as first time buyers. Really pleased with the service Alan provided

Lucy S.
20th July 2026I have recently used IFS Wealth & Pensions. We were recommended to Alan from a friend of ours and how lucky can I say we were. Alan has guided us from the start to the finish. He is always there to ask any questions even though I thought they were... read more silly. When were about to complete we asked Alan if we could get a lower rate. At this point Alan redone the new rate liaising with Nationwide and we were given a new rate, therefore lower mortgage costs per month. If you are going to use a Broker, you have to use Alan. Alan, Debbie and I would like to thank you for your help and guidance throughout the process. Thanks

Tommy C.
14th July 2026I worked with Alan last year on the mortgage for my flat purchase. He made a big and stressful financial decision much easier to manage, and he was always proactive and thorough. I appreciated his clear and detailed explanations and updates throughout the process and I felt like my interests... read more were always well-represented with potential lenders. The flat fee model also meant that I was not worried with how long my homebuying journey took. I would absolutely recommend IFSWP to first-time buyers or anyone looking for transparent, accurate and friendly financial advice.

Victoria P.
20th April 2026I have known Steven for a number of years and he has always been very professional. He has spent a lot of time making sure he understands my needs and also talking through any concerns. I have changed my direction on occasions and he has been patient, listened and able... read more to give sound advice and accommodate those changes.He responds quickly to any emails or correspondence.I would have no hesitation in recommending him as a financial advidor.

anne d.
12th January 2026Would highly recommend IFS Wealth and Pensions. Have been a client for many years and cannot thank Steven enough for his help and advice over the years. His service is always prompt and efficient. He is very knowledgeable and always very patient and explains everything clearly.

Debbie T.
10th January 2026Alan has been so helpful with our mortgage offer, taking us through the process and explaining everything clearly. We really valued his independent and honest advice and would highly recommend to any prospective buyers, particularly if you're a FTB like us.

Andrew W.
16th December 2025Ricky was exemplary, can't rate him high enough. He is extremely knowledgeable and helped matching our mortgage needs to the best options available. Then he was truly great at clearing up the jargon and breaking down the details and not simply the trade-offs of different mortgage products but also had... read more the immense patience at clearing our many pesky doubts at each step of the way. He was courteous and truly flexible finding the time to speak to us, and each time he was a pleasure: thorough on the details and fast on acting liaising with lenders. Miles better and faster than most of the advisors we've spoken to. We'll be glad to request his services again and happy to recommend to anyone.

PFOR P.
26th November 2025Professional, courteous and diligent. Highly recommend their Financial Services and Advise

Nicholas F.
29th October 2025Super detailed, responsive and clear communicators. We were first time buyers and so needed a lot of things explained to us. Ricky was very patient with us and friendly. We got a great mortgage. Highly recommended!

James R.
25th October 2025This is already the third time I’ve asked Ricky for help. Excellent service from start to finish. Very knowledgeable, helpful, and always kept me updated. Highly recommended!已經第3次搵Ricky幫手。由頭到尾都好專業又有性,講解清楚、跟進又快,有咩問題問佢都好快回覆。真心推介畀有需要嘅朋友,服務一流又放心!👏🏻👏🏻

Stella Y.
17th October 2025Ricky recently assisted me in securing a re-mortgage, and the whole process was seamless. Communication was excellent throughout. He was very helpful to notify and help me change for a better rate even a rate had been locked for me already.Thanks ever so much Ricky for your support—I have recommended... read more IFS Wealth & Pensions to my friends.

Iris C.
3rd October 2025IFS Wealth & Pensions provided an excellent service on mortgage advice and the entire buying process. I was new to the UK and all my questions were answered clearly, the process was very efficient. No hesitation in recommending it.

Sonja B.
15th August 2025