Business Details
28 Years
experience
Your Trusted Financial Partner in London
Established in 1998, we are independent financial advisers serving clients across London, Surrey, and the UK. Our holistic approach prioritises client needs, combining over 20 years of experience with a commitment to unbiased, comprehensive financial planning. Our team delivers tailored solutions for wealth management, retirement planning, mortgages, and protection. We maintain transparency through regular reviews and cashflow modelling, ensuring long-term financial security. Our reputation is built on enduring client relationships and a focus on sustainable, goal-oriented strategies. Services
Wealth Management
Retirement Planning
Mortgage Advice
Financial Protection
Pension Consolidation
Estate Planning
Investment Strategy
Tax Efficiency Planning
Sustainable Investing
Cashflow Modelling
Details
- Year established: 1998
Highlights and features
- We offer 25+ years of independent financial advisory experience
- Our holistic approach considers your complete financial picture
- We provide transparent cashflow modelling and regular portfolio reviews
- Our team holds Chartered Institute for Securities & Investment qualifications
- We maintain a 98% client retention rate through personalised service
Associations and certifications
- Financial Conduct Authority
What people say
Exceptional investment guidance
Reliable retirement planning
Sustainable investment expertise
Personalised service approach
30-year client relationship
Services
Wealth Management
Our wealth management service creates tailored investment strategies combining cashflow modelling with risk assessment. We specialise in sustainable portfolios and tax-efficient structures for individuals and businesses. With regular reviews, we ensure your assets grow in line with evolving financial goals.
Retirement Planning
We develop comprehensive retirement plans considering pension consolidation, income requirements, and tax implications. Our cashflow modelling identifies optimal withdrawal strategies while maintaining capital growth. We help clients achieve retirement security through structured, adaptable plans.
Mortgage Advice
Our mortgage specialists provide whole-of-market advice on residential and buy-to-let mortgages. We assess affordability, recommend optimal terms, and help clients navigate complex lending criteria while aligning with broader financial objectives.
Financial Protection
We design protection strategies covering life insurance, critical illness cover, and income protection. Our approach ensures adequate coverage levels while maintaining cost-effectiveness and alignment with long-term financial plans.
Estate Planning
Our estate planning service combines inheritance tax mitigation with succession strategies. We coordinate wills, trusts, and gifting strategies to preserve wealth for future generations while maintaining regulatory compliance.
People
Justin Riley
Independent Financial Adviser
With over 20 years' experience, Justin specialises in retirement planning and sustainable investments. He holds Chartered Institute for Securities & Investment qualifications and manages portfolios exceeding 50m in assets.
Rachel Oakeshott
Mortgage and Protection Consultant
Rachel brings 15 years of mortgage expertise, specialising in complex residential cases and buy-to-let portfolios. She holds CeMAP and DipPFS qualifications with a focus on tax-efficient property investments.
Jen Riley
Independent Financial Adviser
Jen specialises in cashflow modelling and pension consolidation, with particular expertise in advising expatriates and high-net-worth individuals on cross-border financial planning.
Questions
What areas do Zest Financial Consultants cover?
We serve clients across London, Surrey, and the wider UK, providing financial advice tailored to regional and national requirements.
How does Zest's holistic financial planning work?
Our approach considers your complete financial picture, combining cashflow modelling with personal goals to create comprehensive, adaptable financial strategies.
What qualifications do Zest advisers hold?
Our team includes Chartered Institute for Securities & Investment qualified professionals regulated by the Financial Conduct Authority.
How often are financial reviews conducted?
We recommend annual reviews with optional interim check-ins to ensure your financial plan remains aligned with changing circumstances.
What investment philosophy does Zest use?
We focus on sustainable investments and diversified portfolios tailored to individual risk profiles and long-term financial objectives.
