IFS Wealth & Pensions

We believe that life is not a rehearsal. You only have one chance to live it the way you want – there is no take two!

Our job is to help our clients get and keep the lifestyle they want.

We regard financial planning as a journey to help you achieve your life goals. Our focus is not on gathering as many clients as possible but rather on making sure we evolve, adapt and continually strengthen the service we give to our clients. As such, we aim to work with like-minded clients who are prepared to embark on this journey with us.

We believe everyone has the power to live life on their own terms. Financial security, freedom, and plenty of time for their loved ones. No compromises.

In many ways then, life is like a jigsaw puzzle. Your vision of the future tells us what your completed puzzle looks like. You dream it and we’ll help you put the pieces together in the most efficient way. We call this your Financial Plan.

With everything we do, we aim to provide greater clarity and control over your finances. It’s your puzzle, your future, you are in the driving seat. The result is full confidence in achieving and maintaining the lifestyle you love.

IFS Wealth & Pensions is an accredited Chartered Financial Planning firm which is widely regarded as the gold standard for financial advice and planning. There are fewer than 600 firms in the whole of the UK that are Chartered and we’re one of them.

We are Chartered Financial Planners, publicly committed to a customer-first approach and values that align with a professional Code of Ethics. We’ll provide solutions relevant to your needs, maintaining our knowledge through qualifications and ongoing professional development.

Our clients enjoy peace of mind knowing that an ethical and highly qualified professional is looking after them. In short, we sit on the same side of the table as you do, and we work for your best interests only.

Lifestyle Cashflow Planning/Modelling helps you answer the big question:

Have I got enough money?

This is at the heart of what we do as Chartered Financial Planners.  After establishing the future lifestyle you wish to live, including your goals, aspirations, ideal retirement age etc., we then graphically illustrate your financial future and identify any concerns and shortfalls.

This then forms the foundation of the Financial Advice we subsequently provide to help you achieve and maintain the life you want, without worrying about running out of money. Watch our Cashflow Model Video to learn more.

Our expertise – what we do for clients

Investments & Savings

IFSWP Investments & Savings
  • Review your existing investments
  • Ensure your money is working hard
  • Help you save tax-efficiently
  • Whole of market research

Pensions review

IFSWP Retirement & Pension Planning
  • Review & consolidate your pensions
  • Help you save tax & retire comfortably
  • Auto-Enrolment & director’s pension
  • Whole of market research

Retirement Planning

IFSWP - Retirement Planning - peace of mind
  • Explain your at-retirement options
  • Flexi-access, annuity, drawdown
  • Peace of mind financial freedom
  • Whole of market research

Mortgages & Insurances

IFSWP Mortgage & family protection insurance advice
  • Explain the different mortgage types
  • Family protection & peace of mind
  • Life insurance, critical illness & more
  • Whole of market research

What our clients say

  • Professional, courteous and diligent. Highly recommend their Financial Services and Advise

    Nicholas Foo Avatar Nicholas F.
    29th October 2025

    Super detailed, responsive and clear communicators. We were first time buyers and so needed a lot of things explained to us. Ricky was very patient with us and friendly. We got a great mortgage. Highly recommended!

    James Rattee Avatar James R.
    25th October 2025

    This is already the third time I’ve asked Ricky for help. Excellent service from start to finish. Very knowledgeable, helpful, and always kept me updated. Highly recommended!已經第3次搵Ricky幫手。由頭到尾都好專業又有性,講解清楚、跟進又快,有咩問題問佢都好快回覆。真心推介畀有需要嘅朋友,服務一流又放心!👏🏻👏🏻

    Stella Yuen Avatar Stella Y.
    17th October 2025
  • Ricky recently assisted me in securing a re-mortgage, and the whole process was seamless. Communication was excellent throughout. He was very helpful to notify and help me change for a better rate even a rate had been locked for me already.Thanks ever so much Ricky for your support—I have recommended... read more

    Iris Chan Avatar Iris C.
    3rd October 2025

    IFS Wealth & Pensions provided an excellent service on mortgage advice and the entire buying process. I was new to the UK and all my questions were answered clearly, the process was very efficient. No hesitation in recommending it.

    Sonja Billerbeck Avatar Sonja B.
    15th August 2025

    Exceptional service, clear communication, and found me the best deal. Made the whole process smooth and stress-free. Highly recommend to anyone needing mortgage help. Thanks for going above and beyond!

    Jeff Li Avatar Jeff L.
    27th March 2025
  • Alan was able to secure a mortgage offer not available on the high street and enabled my son to buy his first property. He maintained excellent communication throughout the process and demonstrated a very thorough knowledge of the market.

    Gaby Thomas Avatar Gaby T.
    26th March 2025

    I am extremely impressed with the exceptional service provided by them. From start to finish, they were professional, proactive, and supportive throughout the entire mortgage process.Their mortgage advice was top-notch, offering clear and personalized recommendations that made me feel confident in my decisions. They kept me updated every step of... read more

    Westin Westin Avatar Westin W.
    21st December 2024

    Big thanks to Ricky who has been with me for over a year persevering to get the mortgage completed! My forever gratitude to his hard work and dedication.

    Cui Chris Avatar Cui C.
    28th November 2024
  • Ricky has been looking after us for several years now and is always my first point of call for financial advice. I would totally recommend Ricky and his team for mortgage and financial advice.

    Cara Latchford Avatar Cara L.
    25th October 2024

    Ricky has been looking after us for several years now and is always my first point of call for financial advice. I would totally recommend Ricky and his team for mortgage and financial advice.

    Cara Latchford Avatar Cara L.
    25th October 2024

    Very responsive. Very competent. We will approach them again in the future. Thanks for your services.

    Mario Hupfeld Avatar Mario H.
    11th October 2024
  • Very responsive. Very competent. We will approach them again in the future. Thanks for your services.

    Mario Hupfeld Avatar Mario H.
    11th October 2024

    I had the pleasure of working with Ricky Chan from IFSWP as I navigated the Help to Buy scheme as a first-time buyer. Ricky was exceptional in making what initially seemed like a daunting and complex process incredibly straightforward and stress-free. His ability to break down financial jargon into easy-to-understand... read more

    Will Leung Avatar Will L.
    2nd September 2024

    I had the pleasure of working with Ricky Chan from IFSWP as I navigated the Help to Buy scheme as a first-time buyer. Ricky was exceptional in making what initially seemed like a daunting and complex process incredibly straightforward and stress-free. His ability to break down financial jargon into easy-to-understand... read more

    Will Leung Avatar Will L.
    2nd September 2024