PLATINUM FINANCIAL
PLANNING & IFA LIMITED

Excellence and Value

Authorised & Regulated by the Financial Conduct Authority (FCA)

We are committed to giving 2% of our turnover to the charities:
Save the Children UK and Macmillan Cancer Support.

  • LEI: 213800S481FDV6T2RF43

Schedule of what we undertake

(in-house)

  • Stocks and Shares ISA.
  • Investment Accounts (Unit Trusts / OEICs/ Investment Trusts)
  • Investment Bonds (Onshore and Offshore)
  • Pre-Retirement Pension Schemes.
  • Post-Retirement Pension schemes.
  • Annuities; level and escalating etc
  • With Profits Annuities
  • Unit Linked Annuities
  • Income Drawdown
  • Third way products, for example, “Guaranteed Income for Life” in an Income Drawdown Plan.
  • Capital guarantee investment/pension products.
  • Life Cover
  • Critical Illness Cover
  • Income Protection
  • Whole of Life Policies.
  • EIS & VCTs & BPR
  • Inheritance Tax Planning
  • Financial Plans

 

With Regards to Pensions, Stocks and Shares ISA’s, Investment Accounts and Investment Bonds we provide you with portfolios which relate to your specific “DNA”.  By this we mean that the portfolios are designed around your objectives, your Attitude to Risk, your Capacity for Loss, Tax position, taking into account other policies that you have, for example employer pension scheme. We are not interested in the shortcut of one solution fits all. 

We can also recommend:-

  • Mortgage Advisers (Residential & BTL).
  • Equity Release Advisers.
  • Will writers / Enduring Power of Attorney Providers.

The Process

We collect all the necessary information from you; both personal and Financial (including Income and Expenditure).

 
 

We then listen to what your objectives are / or where you are trying to be in 10/20 /30 years.

 
 

If your objectives are achievable then we come up with a Financial Plan which is clearly unique to you – no off the shelf solutions here.

 
 

The Financial Plan evolves with you. For example changing circumstances which might involve major promotion or Inheritance etc. Or might be just change because of changes in legislation or Tax changes.

 
 

If objectives are not achievable, we try and establish with you achievable, relevant objectives and then translate these into an active Financial Plan. 

 
 

The first priority of any Financial Plan is to make sure that there is enough protection in place privately or via employer so that any major disasters are met with least pain.


For an individual without obligations their Financial Plan could simply be:-

  1. Income Protection Plan
  2. Stocks and Shares ISA;
  3. Private Pension / SIPP;
  4. Bank/Building Society deposits. 

For a couple with two children of say one and two years of age the Financial Plan could include:-

  1. LIFE COVER FOR PARTNER 1
  2. LIFE COVER FOR PARTNER 2
  3. INCOME PROTECTION FOR EACH EMPLOYED PERSON.
  4. MAYBE SOME CRITICAL ILLNESS COVER.  
  5. JOINT LIVES WHOLE OF LIFE POLICY (GUARANTEED PREMIUM FOR LIFE), SECOND DEATH IN TRUST FOR THE CHILDREN.
  6. SCHOOL FEES PLANNING POLICIES.
  7. STOCKS AND SHARES ISA FOR PARTNER 1
  8. STOCKS AND SHARES ISA FOR PARTNER 2
  9. PRIVATE PENSION/SIPP FOR PARTNER 1
  10. PRIVATE PENSION/SIPP FOR PARTNER 2
  11. PRIVATE PENSION PLAN FOR EACH CHILD.
  12. BANK/BUILDING SOCIETY DEPOSITS.
We aim to keep things simple but totally effective and extremely well diversified.

Dennis A. Homatenos

Quick CV

 

Education:-

  • Master in Business Administration (MBA)
  • BA in Mathematical Economics.
  • Certificate in Mortgage Advice & Practice (CeMAP)
  • Diploma in Financial Planning (DipPFS).

Employment:-

  • 14 Years as Senior Financial Adviser and Financial Planner for MFS IFA 
  • 2 years as Compliance Officer for MFS IFA.
  • 3 years as Commercial Director of Swayfields Ltd
  • 10 years with Texaco Ltd as Marketing Investments, Operations and H&S Manager / Chief Economist.
  • 3 years with Dairy Crest as Business Planning Manager / Internal Consultant.
  • 3 years with Milk Marketing Board as Chief Economist and Market Researcher
 

Where you have a complaint or dispute with us and we are unable to resolve this to your satisfaction then we are obliged to offer you the Financial Ombudsman Service to help you resolve this. Please see the following link for further details:

http://financial-ombudsman.org.uk