S4 Financial was founded by Tim McKechnie and Steven Vallery, who after successful financial planning careers decided that there was a better way of working, based around looking at changing life stages and the associated financial needs.
Instead of focusing on product sales, we saw the benefit of building strong, sustainable relationships with clients by taking the long-term view. Many advisers talk about taking a holistic approach, but we really do.
“We aim to effectively manage financial risk for our clients, which in turn adds stability to our clients' portfolios as well as our business.”
Steven Vallery - S4 Financial - Director
We aim to effectively manage financial risk for our clients, which, in turn adds stability to our clients’ portfolios as well as our business.
Our strategy is to provide bespoke financial plans tailored to meet our client’s needs. We believe in balancing return and risk whilst being responsive to changing circumstances.
Registered in England, Company No: 05089919 VAT Reg Number: GB 844 5062 31,
S4 Financial Ltd is an Independent Financial Advisory firm, which is authorised and regulated by the Financial Conduct Authority.
S4 Financial Ltd is entered on the FCA register (www.fsa.gov.uk/register/) under reference 401372.
S4 Financial Ltd respects your privacy and is registered under the Data Protection Act.
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves.
Our vision now is the same as when the company was founded 10 years ago. Simply put, we want to work with you to understand your financial goals, then offer advice and guidance, which will help you surpass them.
This will often involve helping you to gain clarity of financial thought, identifying your financial priorities and recommending solutions to maximise investment growth, increase your financial security and reducing your burden of tax.
Our values are based upon 4 key pillars which are engrained in our company ethics.
Our strategy is to provide bespoke financial plans tailored to meet our client’s needs. We believe in balancing return and risk whilst being responsive to changing circumstances.
investment philosophy
We are here to help you to provide for your future, but we also aim to protect your capital from the perils of the markets and inflation. It is always our objective to generate consistent, absolute returns rather than becoming a hostage to the fortunes of the investment markets.
Our investment philosophy is all about the long term, with a steady accumulation of assets, outperforming inflation as you move through your financial life. We ensure that all our investment recommendations are carefully considered through our investment committee and that all investment portfolios are diversified and configured to match each client's appetite for risk, whether it is in terms of unwelcome fluctuations in value or the risk of capital loss.
Our team at S4 Financial has a diverse mix of experience, knowledge and skills providing the ability to deliver a high quality financial planning service to you.
Ron brings a wealth of knowledge and experience to S4 in his capacity as non-executive Director. His vast experience is drawn from financial services and manufacturing sectors where he has worked in senior financial and business leadership positions over the last 27 years.
Tim provides a strong steering judgment for the company both with business strategy and investment allocation for client portfolios.
Steven Vallery – Business Development Director
Steven is a law graduate, who has over 17 years’ experience in the financial services industry. As a founding Director of S4 it has been Steven’s role to drive the business forward and to develop and adapt the business to meet the ever-changing landscape of the financial services industry.
Diane Wagland has been Finance and HR Manager for S4 Financial since November 2004 having previously worked in a variety of management roles within Education and as a Financial Advisor for a large Financial institution.
Diane has responsibility for all areas of the corporate accounts, their management and supervision within S4 Financial. Diane is a qualified member of the AAT.
Nick joined S4 as a Consultant in February 2009 after 6 years at Board level with a local wealth management company. Prior to that Nick spent 20 years in the City working exclusively in the private client arena, 12 of which were with Coutts & Co, Merrill Lynch and Credit Suisse Private Banking.
Steve’s role is to advise clients in the complex area of the mortgage market and provide solutions to their mortgage requirements. His knowledge of the market means he can assist clients on all types of property financing both residential and commercial. Steve holds the Certificate in Mortgage Advice Practice.
