While pensions can sometimes seem daunting and complicated, our job is to simplify this journey for you. With the right advice, pensions are plain sailing.

A pension is an incredibly tax efficient way to save for your retirement. We can work with you to identify your pension needs, review your options, and then help you choose a pension that fits your circumstances.

If you’re an employer, we can help you to plan, establish and administer a pension plan for you and your employees. We have many years’ experience of reviewing company needs, advising on employer obligations and helping build and implement successful and rewarding company pension schemes.

Employer Brochure



The investment world is a big and sometimes confusing place.

We’re guided by a few simple principles, which help to make the most of your investments:

  1. Diversification – a well-diversified portfolio reduces risk.
  2. A long-term view – the longer you’re invested, the more time there is for the ups and downs of markets to balance out and you can benefit from potential growth over time.
  3. Volatility – there’s no such thing as a risk-free While volatility can feel uncomfortable, it’s a normal part of investing.
  4. Market timing is futile.
  5. Risk – understanding your attitude to risk is a key consideration.

At CFS we can help you define your investment goals, determine a balance of risk and reward you’re happy with, and then talk you through your investment options.

We place great value on liquidity of assets, regular reviews, and a well-diversified portfolio.


Life & Illness Cover

Protect your life, your lifestyle, and your loved ones. We’ll show you how affordable and worthwhile peace of mind can be.

How financially prepared are you for illness, serious injury or even death? Who would pay the bills, the mortgage and everything else that your income covers? If you’re a business owner, how would the business survive?

No matter how hard it is to think about unexpected serious illness, injury or death, planning ahead will give you enormous peace of mind now, and ease the financial burden if the worst does happen later.

At CFS we can talk you through the various forms of protection you need to provide peace of mind and financial security for you and your loved ones. Our extensive knowledge of the life assurance market allows us to quickly select the most appropriate products and solutions for you.