David Waters
Financial Planning Consultant CeMAP®, ACSI in Portsmouth
A little bit about David
I have experience in the financial services industry since 2005, and gained expertise in managing and growing strong client relationships. I have built my career on holistic client reviews leading to bespoke financial planning & advice. Having worked for Barclays Premier Banking as a Relationship Manager for much of my earlier career, I have always followed a client centric ethical approach, coupled with an outstanding service proposition, placing the client at the heart of everything I do.
Start the conversation
Speak to me if you’re interested in preparing for tax year end, or just want advice on making your money go further.
Contact me today
Tackle tax year end with confidence
Tax rules can seem pretty impenetrable. With the new Budget, and so many different allowances and regulations to keep up with, it’s no wonder millions of us end up accidentally missing opportunities - equating to millions of pounds a year.1
In this case, ignorance really isn’t bliss. And by confidently preparing for tax year end, you can be sure you’re getting all the money you’re entitled to - whether that’s by saving as much as you can tax-efficiently or just using your allowances to their full extent.
I can go through your financial position with you, so you’re ready for tax year end on 5 April. Did you know, for instance, that only 1 in 7 savers fully use their ISA?2 Or that you could be one of the 2m couples3 who aren’t making the most of their marriage allowance?
Together we can make this tax year end something to celebrate, rather than pass by. Get in touch for your tax year end review, or a cashflow modelling session to understand your financial position better.
For ISAs, Investors do not pay any personal tax on income or gains, but may pay unrecoverable tax on income from stocks and shares received by the ISA managers.
Tax treatment varies according to individual circumstances and is subject to change.
Stocks and Shares ISAs invest in corporate bonds, stocks and shares and other assets that fluctuate in value.
2 Source: https://ifamagazine.com/just-one-in-seven-brits-use-their-full-isa-allowance-survey-shows/
3 Source: https://moneyweek.com/personal-finance/605717/marriage-tax-allowance
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 17 December 2024.
Holistic planning
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Investments
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Pensions
Expert advice to help provide comfort in your retirement.
Protection
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Income Protection
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
General Insurance
Home contents insurance, buildings insurance.
Business Services & Protection
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Certificate in Mortgage Advice and Practice - Level 3
- CeMAP is the benchmark qualification for individuals aspiring to become mortgage advisers. It gives the skills, knowledge and certifications to deliver mortgage advice and practice.
Diploma in Investment Advice
- The Diploma in Investment Advice provides a sound grounding in UK financial services and consumer relationships, including exchange traded futures and options and financial protection.
Dinara O.
Professional, trustworthy and personable - how I can describe David to anyone. I met David at a networking event for freelancers. I've been looking at investing in my financial future for a while, but as a freelancer, I was approaching the subject with caution. I spoke to many financial firms and advisers, but none of them had the same level of attention and safety that David had. After just a few discovery calls, I've signed up for his services and already have two accounts open.
David walked me through every possible scenario of my financial future, and while I understand that risks are always high with investing, I feel adamant my finances are in good hands. David 'gets' your situation and offers appropriate advice, so don't postpone your financial freedom - speak to David!
Thomas G.
I’d highly recommend David to anyone, I found him extremely personable, and easy to work with. I initially engaged David’s services to set up something for my son’s future. He explained clearly at each stage, covering off what we were doing and why, and what would be next. We had an extremely thorough review of my situation and goals, and the outcome was a personalised recommendation.
I have been very happy with the performance of my son's account, and the Quilter App and Platform is user friendly. Since then, I have used David again to review and move my pension, and the service was as exemplary as the first time. I’ll be using him again shortly to look at mine and my families protection needs. Professional, transparent, efficient. 5/5.
Dave M.
Dave Waters has supported our family finances and property portfolio for a number of years. During this time, he has always provided us with an astute and logical approach. He is able to think laterally which has helped us to work towards our financial goals. Extremely personable and trustworthy, Dave understands what is important to people. I would not hesitate to recommend Dave Waters to any future employer or client.
I love meeting new people and growing relationships with those I already know. Further more, having a job focused on finding ways that I can help them and their family is possibly the best way to make a living I can think of! I know a lot of people might not view it that way, but when you strip everything else away, my sole purpose is to help people!
I believe that Financial Advice should be available to everyone, and a key part of my focus is ensuring that my clients understand everything that is happening, at each stage; transparency is paramount. I pride myself on really understanding my clients goals so that my advice puts them at the heart of everything I do. I love working closely with Professionals, Senior Level Employees, Business Owners and Entrepreneurs, to help them achieve their financial goals over the medium to long term.
I have built up a wealth of experience helping clients across a range of complex incomes and thrive on building genuine and meaningful relationships. My key areas of advice include tax efficient investments, general investments, pensions & retirement planning, protection, insurance solutions, Workplace pensions, & Group Protection policies.
Outside of work, I love spending time with my beautiful partner and getting out and exploring new things. My regular interests include Tennis, Golf, Clay pigeon shooting, Gaming, films, Food & Drink, and resistance training.
The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.