42-44 Grosvenor Gardens, SW1W 0EB        tel. 0345 013 6525        enquiries@dfmadvice.co.uk

About Us & Our Services

image of Tony Devine IFA managing director

About the Firm's lead adviser - Tony Devine

I have dual qualifications: IFA (Diploma - CII / Personal Finance Society) and Chartered Accountant - England & Wales. I began my career as a trainee with Touche Ross, Liverpool /Manchester and after qualification moved to KPMG Peat Marwick in the Cayman Islands. I moved into offshore corporate services whilst in the Cayman Islands with what is now Appleby attorneys at law, managing their in-house corporate services company, and after returning to the UK became regulated as an IFA (Independent Financial Adviser). My clients include private individuals, small and medium enterprises and their principals and trustees. I advise on investments and pensions, incorporating bespoke asset allocation and portfolio design in the most tax efficient manner, and on IHT planning. I also advise on and implement group pensions and other corporate benefits for small to medium sized companies.

Financial Advice - Our Service Offering

As independent advisers we offer all forms of regulated advice to our clients. Links below are to our parent site www.dfmadvice.co.uk:

Individuals (incl Trustees where applicable):

  • Pensions and Retirement

    • Retirement planning: Advice on accumulation of funds / appropriate types of pension contracts

    • Pension investment - ongoing advice 

    • Close to /at Retirement - advice on retirement choices: Tax planning, income drawdown, annuity

  • Investments - full advice services for cautious through to adventurous investors:

    • NISAs / ISAs and other Collective Investments: OEICs and Unit Trusts

    • Risk-rated, multi-asset, multi-manager

    • Onshore and offshore investment bonds

    • Investment Trusts and Exchange Traded Funds (ETFs)

    • Structured Products

    • Venture Capital Trusts (VCTs) and EIS / SEIS (Enterprise Investment Schemes)

  • Inheritance Tax planning and mitigation

    • Advice on Gifting, family trusts, use of investment bonds, niche products, underlying investments

    • Appropriate use of Trusts: Discounted Gift Trust, Gift, Loan Trust, Discretionary and Absolute

    • Advice on maintaining access to capital at specified intervals (niche products)

    • Tax and cash flow planning

  • Life Insurance and Health Insurance

    • Advice on the appropriate levels and type of cover to take out

    • Life and life / critical illness cover on level, increasing and decreasing terms

    • Income Protection

  • Mortgages (carried out by our mortgage IFA partners at our Victoria, SW1 base)

Company Benefits and related services for owners of Small / Medium Enterprise Services