Business Details
14 Years
experience
Independent Financial Advisers in Reigate
3 D Financial Planning is a firm of Independent Financial Advisers based in Reigate, Surrey, offering comprehensive wealth management solutions. Our multi-dimensional approach considers every aspect of clients' financial affairs, ensuring interconnected plans adapt to changing circumstances. With over a decade of experience, we specialise in creating tailored strategies that align with individual goals, risk profiles, and life aspirations. Our holistic methodology examines how changes in one financial area affect others, providing clients with a cohesive view of their financial landscape. We prioritise transparency, regulatory compliance, and ongoing support, maintaining FCA authorisation through Best Practice IFA Group Limited.Our team combines technical expertise with personalised service, delivering cashflow forecasting, investment management, and tax-efficient solutions. Through regular reviews and scenario planning, we help clients navigate market fluctuations and life transitions while maintaining focus on long-term objectives. Our commitment to excellence is demonstrated through our FCA registration (583112) and client-centric approach that values trust and accountability.
Services
Financial Planning
Retirement Planning
Investment Management
Tax Planning
Equity Release
Insurance Protection
Details
- Year established: 2012
Highlights and features
- We offer holistic financial planning considering all interconnected aspects of your finances
- Our team holds FCA-regulated status through Best Practice IFA Group Limited
- We implement tailored cashflow forecasting for lifetime financial visibility
- Our investment strategies balance risk and return across diversified asset classes
- We provide ongoing reviews to adapt plans to changing circumstances and regulations
Associations and certifications
- Financial Conduct Authority
What people say
Impeccable discretion
Accurate financial advice
Pragmatic approach
Long-term client relationships
Genuine professional
Services
Financial Planning
Our financial planning service creates comprehensive strategies that consider all aspects of your financial life. We develop tailored plans that align with your goals, risk tolerance and time horizons. Through regular reviews and scenario analysis, we ensure your plan remains relevant as circumstances change, helping you achieve long-term financial security while maintaining flexibility for life's uncertainties.
Retirement Planning
Specialising in pre- and post-retirement planning, we help maximise tax-efficient pension withdrawals while ensuring sustainable income streams. Our expertise covers pension freedoms, income diversification and tax mitigation strategies. We create phased retirement plans that balance immediate needs with long-term security, helping clients transition smoothly from wealth accumulation to income generation while complying with evolving pension regulations.
Investment Management
We construct diversified investment portfolios aligned with your risk profile and financial objectives. Our approach combines strategic asset allocation across multiple classes with ongoing performance monitoring. We conduct regular risk assessments and portfolio reviews to maintain optimal positioning, balancing growth potential with capital preservation while considering market conditions and regulatory requirements affecting investment vehicles.
Tax Planning
Our tax planning service identifies legitimate opportunities to reduce current and future tax liabilities. We specialise in inheritance tax mitigation, pension tax relief optimisation and investment structuring for tax efficiency. Through trust planning and lifetime gifting strategies, we help preserve wealth for beneficiaries while ensuring compliance with HMRC regulations and maintaining financial flexibility for changing circumstances.
Equity Release
We provide regulated equity release advice for homeowners aged 55+. Our service includes lifetime mortgage solutions and inheritance protection strategies. We assess suitability based on individual circumstances, considering interest rate options, drawdown facilities and impact on means-tested benefits. Our process ensures clients understand all implications while helping them access tax-free capital for retirement income, debt consolidation or family gifting.
People
Scott Davis
Director & Financial Adviser
With over 15 years' experience, Scott specialises in comprehensive financial planning for high-net-worth individuals. He holds advanced qualifications in pension transfers and tax-efficient investments, focusing on long-term wealth preservation strategies for discerning clients.
Chris Gillespie
Financial Adviser
Chris brings expertise in retirement income planning and investment management. With a background in corporate finance, he helps clients transition from wealth accumulation to sustainable income strategies while maintaining regulatory compliance and risk management.
Pete Matthews
Financial Adviser
Pete specialises in tax-efficient investment structures and inheritance tax planning. His experience includes advising on complex trust arrangements and cross-border financial solutions for clients with international connections.
Andrew Diamond
Relationship Manager
Andrew manages client relationships and coordinates advisory services. With extensive experience in financial services, he ensures seamless implementation of strategies while maintaining regular communication with clients about their portfolio performance and planning updates.
Audrey Wheatcroft
Client Operations Manager
Audrey oversees client administration and compliance processes. With 20 years in financial services operations, she ensures efficient implementation of advice and maintains regulatory standards across all client interactions and documentation.
Questions
What financial services do you specialise in?
We specialise in financial planning, retirement planning, investment management, tax planning, equity release and insurance protection for individuals and businesses.
Are you regulated by the Financial Conduct Authority?
Yes, we are FCA-registered (583112) as an appointed representative of Best Practice IFA Group Limited, which is authorised and regulated by the Financial Conduct Authority.
How do you create personalised financial plans?
We conduct comprehensive fact-finds to understand your goals, risk profile and circumstances, then develop tailored strategies that consider all financial aspects and interconnected elements.
What areas do you cover?
Based in Reigate, Surrey, we serve clients throughout Surrey and surrounding areas, providing both in-person and remote advisory services.
How often are financial plans reviewed?
We recommend annual reviews, with additional check-ins for significant life changes or major regulatory updates affecting your financial strategy.
Can you help with pension transfers?
Yes, we specialise in pension consolidation and transfer advice, including complex defined benefit scheme assessments and tax-efficient retirement income planning.
