Financial Advice Built On Candour

Financial decisions deserve careful consideration, clear explanations and advice that reflects individual circumstances. At Candor Rubra Financial Ltd, we provide independent financial planning for individuals, families and business owners, working from 128 City Road, London. We help our clients develop a financial plan they can understand and follow, without obscuring recommendations behind complicated language. Openness also applies to our fees: we explain our charges before beginning any work and discuss the reasons for each recommendation so that you know how it relates to your situation. This straightforward approach is central to the principles represented by our name.

Our advice encompasses pension arrangements and retirement preparation, including consolidation, existing pension reviews and decisions about retirement income through drawdown or tax-efficient withdrawal strategies. We assist with investment planning across ISAs and general investment accounts, as well as cashflow assessments that show how current finances compare with future goals. Company directors and business owners can also access tailored pension and investment planning. As circumstances and rules change, our ongoing reviews help keep financial plans relevant. We start with a free, non-binding conversation to understand your position and allow you to decide whether our firm meets your requirements. Following your decision to proceed, we research and recommend options that take account of your objectives, attitude to risk and capacity for loss, with continued service thereafter. You may meet us in London or choose a video appointment. Investment values and associated income can rise or fall, so you may recover less than you invested. We act as an Appointed Representative of ValidPath Limited, authorised and regulated by the Financial Conduct Authority.

Served areas

Clapham, Wandsworth, Wimbledon, London, Battersea, Balham, Putney

Business 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

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Wealth Management Report

Our approach to wealth management begins with understanding your life, priorities and circumstances before considering investments, tax or financial structures. As an independent firm, we select investment platforms and funds according to their individual merits, focusing on quality and performance. We then tailor our recommendations to your objectives and investment risk profile, assessed through a psychometric test. Our fees are agreed upfront, with no hidden commissions or incentivised products.

Mortgage Advice Report

A mortgage represents a significant financial commitment, making informed decisions essential. We offer independent advice and search the wider mortgage market to identify suitable products, taking account of interest rates, fees and the length of the mortgage rather than price alone. Our support extends to first-time buyers, those moving home, clients seeking to remortgage and buy-to-let investors. With transparent fees and no hidden incentives directing our recommendations, we focus on matching mortgage options to your requirements and circumstances.

Protection Advice Report

We provide independent protection advice tailored to what matters most to you, whether that means safeguarding your family, maintaining your income or protecting your business. Our approach begins with understanding your circumstances and identifying the financial risks you face. We compare suitable policies from different providers, explain the terms clearly and help you secure appropriate cover without unnecessary expense.

Pension Advice Report

Our independent pension advisory service gives you a clearer understanding of your retirement savings and how they can support your future. We assess every pension you hold, identify potential costs and establish whether existing guarantees or benefits should be retained. Rather than recommending consolidation automatically, we provide guidance based on your circumstances, bringing your arrangements together where beneficial and planning how your savings can provide an income in retirement.

Inheritance Tax Planning Report

Protecting your family's inheritance requires more than simply preparing a will. We examine your overall financial position and establish how available allowances, carefully considered gifts, pension arrangements and life cover may help reduce the impact of inheritance tax. Our recommendations are explained clearly, with attention to how your assets are held and transferred. Through early preparation and regular reviews, we help you avoid unnecessary pressure on your beneficiaries and preserve more of what you have built.

Talal Totah

Sep 26, 2026

Report

It will be hard to find someone more knowledgable and trustworthy than Sam Pemberton, prerequisites for a financial advisor

Mitchell Johnson

Sep 24, 2026

Report

Amazing experience and all round expertise. Has been our family advisor for years and would definitely recommend.