At Candor Rubra Financial Ltd, we provide independent financial planning for individuals, families and business owners from our base at 128 City Road, London. Our aim is to give you straightforward, honest guidance about your finances and help you establish a practical plan aligned with your circumstances. We believe that effective financial planning begins with transparency, which is reflected in our name and the way we work. Our recommendations are explained in plain English, our charges are disclosed clearly before we commence any work, and we take care to ensure that you understand the reasoning behind our advice.
Our services cover retirement planning, pension advice, pension consolidation and reviews of existing arrangements. We also advise on retirement income, including drawdown and tax-efficient withdrawal strategies, alongside investment planning involving ISAs and general investment accounts. Through cashflow planning, we help you assess your progress towards your financial goals. We provide pension and investment planning for company directors and business owners, with ongoing reviews to reflect changes in your circumstances and the relevant rules. Every relationship begins with a complimentary, no-obligation conversation, allowing us to understand your needs and giving you time to assess our suitability. Should you proceed, we research solutions based on your objectives, attitude to risk and capacity for loss, followed by ongoing support. Meetings are available in person in London or remotely by video. Investments and their income can fall as well as rise, and you may receive less than you invest. We are an Appointed Representative of ValidPath Limited, authorised and regulated by the Financial Conduct Authority.
Our services cover retirement planning, pension advice, pension consolidation and reviews of existing arrangements. We also advise on retirement income, including drawdown and tax-efficient withdrawal strategies, alongside investment planning involving ISAs and general investment accounts. Through cashflow planning, we help you assess your progress towards your financial goals. We provide pension and investment planning for company directors and business owners, with ongoing reviews to reflect changes in your circumstances and the relevant rules. Every relationship begins with a complimentary, no-obligation conversation, allowing us to understand your needs and giving you time to assess our suitability. Should you proceed, we research solutions based on your objectives, attitude to risk and capacity for loss, followed by ongoing support. Meetings are available in person in London or remotely by video. Investments and their income can fall as well as rise, and you may receive less than you invest. We are an Appointed Representative of ValidPath Limited, authorised and regulated by the Financial Conduct Authority.
Served areas
- Clapham, Wandsworth, Wimbledon, London, Battersea, Balham, Putney
Details
- Year established: 2025
- Licensed
- Insured
Highlights and features
- Independent financial planning
- Pensions and retirement planning
- Retirement income and drawdown advice
- Investment and ISA planning
- Cashflow planning
- Advice for company directors and business owners
- Clear fees agreed before any work starts
- Free initial consultation
- Meetings in person or by video
- Ongoing reviews available
Associations and certifications
- Appointed Representative of ValidPath Limited
- ValidPath Limited is authorised and regulated by the Financial Conduct Authority
- Diploma in Regulated Financial Planning
- Mortgage Advice Certificate
- Equity Release Certificate
- Member of the PFS
- Member of the CII
Services
We provide independent wealth management designed around your life, ensuring that personal priorities guide every recommendation. Investment choices, tax considerations and financial structures follow only after your circumstances are understood. We evaluate highly rated platforms and well-regarded funds with strong performance records, selecting options on merit rather than allegiance to a particular provider. Your objectives and psychometric assessment of investment risk determine suitability, and all fees are agreed in advance without hidden commissions or incentivised products.
We believe that finding the right mortgage means looking beyond an attractive interest rate. By comparing products across the entire market, we assess the combined impact of fees and terms, helping you evaluate options on a like-for-like basis. Our service covers residential purchases, moving home, remortgaging and buy-to-let investments. We provide independent recommendations based on your situation, explain our fees clearly and avoid hidden incentives, ensuring our advice remains focused on finding a suitable mortgage.
Protecting your financial future starts with understanding what you could lose if circumstances change unexpectedly. We offer impartial advice on life insurance, critical illness cover, income protection and specialist business policies, ensuring our recommendations reflect your individual requirements. By assessing your needs carefully and explaining available options in straightforward language, we help you make informed decisions about the protection that supports your financial plans.
We take a structured approach to pension planning, starting with an assessment of your existing arrangements and identifying opportunities to improve how they work together. Any decision to consolidate is made only after considering the costs, investments and guarantees associated with each pension. Once we have established the most suitable course of action, we help you prepare for retirement by planning sustainable withdrawals and considering how to manage the tax implications of your pension income.
Our service brings structure and clarity to inheritance tax planning, helping you make informed decisions about the wealth you intend to leave behind. We begin by reviewing your estate, including property, pensions and investments, before outlining suitable recommendations involving allowances, gifting, protection and asset structuring. Where legal matters arise, we work with your solicitor or an appropriate specialist. We also revisit your arrangements when your circumstances change, keeping your plans aligned with your intentions.
