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  • the 5 stage plan
    how we work
Financial advisor

At CMS we appreciate every client is different and therefore how we work can change dependent on your needs and circumstances.

We can work with you to implement new future plans or review existing arrangements to ensure that what you have meets your requirements and remains competitive in the market place.

We can create a bespoke financial plan for your future, designed to provide exactly what you require.

Talk to CMS to find out how we can benefit you and your future.

The 5 Stage Plan

stage one: initial meeting
This meeting is to establish means/objectives of the client:
- Establish working relationship
- Identify client needs and objectives
- Factfind
- Attitude to risk recorded
- Cost of advice explained
stage two: research & compliance
Any existing plans researched and assessed for suitability:
- Research of all appropriate options
- Summary of current plans prepared
- Compliance considerations
stage three: report & recommendations
Summary of advice is presented:
- Benefits of recommendations explained
- Cost and shape of advice is made clear
- Financial plan created
- Written report provided
stage four: implementation
Confirm client agreement to proceed:
- Paperwork completed
- Advice processed
- Ongoing advice agreed in line with Service Proposition
- Financial plan actioned
stage five: ongoing advice
Introduction to head of private clients:
- Documentation of service proposition
- Financial plan reviewed

Independent Financial Advisers

At CMS we appreciate every client is different. We will design a bespoke, tax effective retirement plan tailored to your personal risk profile.


We can create a bespoke financial plan for your future, designed to provide exactly what you require


Dealing with all providers we are able to offer the best value package designed just for your needs


Directly authorised and regulated by the Financial Conduct Authority

Years of Experience

Established in 1966 in the city of London, we have years of experience of the markets in all conditions

I have used the services of CMS for many years now and trust them impeccably with decisions they have made with my personal pension plans. They explain everything in layman terms making the pension world easier and more logical to understand. A friendly and highly recommended service that I am happy to refer to my friends.

Andy Crisp

I was first recommended to CMS Financial Management by my longstanding company accountant and it couldn’t have been a better recommendation. Dave Marler and his team have been exceptionally helpful if assisting with my financial planning and that of my wife. They have provided a service above our expectations and have delivered for us what was said on the tin. I continue to have great confidence in the regular advice that we receive.

Bob Langton

CMS Financial Services have always provided a professional service and made sure I was aware of any ‘Hidden Extras’. They consolidated my pensions and managed to wind up a quite complex old pension plan.
I have no problem recommending them highly.

Mark Roberts



CMS Financial Management Ltd.
Prospect House, Baynards Green
Bicester, Oxfordshire OX27 7SG



01869 345588