Your goals deserve more than
one point of view.
Two advisers, one team — committed to giving you complete, honest, and personalised financial advice so you can plan smarter and live better.
Our Foundation
Why OF Financial Management?
A collaborative partnership of two independent advisers serving London and the surrounding areas.
Independent Advice
We are wholly independent. No hidden agendas, no product quotas, no incentives from providers. We act solely in your interest, providing impartial tailored advice you can trust without reservation.
Dual Expertise
Two chartered advisers means twice the perspective. Our dual-adviser model ensures rigorous, well-rounded financial thinking on your behalf.
FCA Authorised & Regulated
We operate under the strict standards of the Financial Conduct Authority, giving you confidence that your advice is safe, transparent, and fully accountable.
About Us
Two advisers,
one shared
commitment.
OF Financial Management was founded on the belief that every individual deserves access to clear, expert, and independent financial guidance unclouded by bias, product incentives, or complexity.
Our Team
Meet your advisers
Charlotte Field
Charlotte is a Chartered Financial Planner who helps clients make confident, informed financial decisions across all aspects of personal finance. With a decade of experience across administration, advising, and compliance, she combines technical expertise with a thoughtful, clear approach to long‑term planning.
Matthew Oak
Matthew is a Chartered Financial Planner with a strong technical foundation and a measured, analytical approach to financial planning. He has over 10 years’ experience across paraplanning, research and full advisory work, and he brings depth, precision and a whole‑of‑market perspective to every client relationship.
Our Mission
Through a collaborative approach that combines the distinct strengths of two independent advisers, we deliver advice that is comprehensive and balanced. Where one adviser might specialise, the other challenges and refines ensuring every recommendation is robust and wholly in your interest.
Our clients benefit from smart, well-rounded financial strategies designed to protect, grow, and align with their futures — delivered with the warmth, patience, and transparency that complex financial decisions deserve.
Our Principles
The values that guide everything we do
Unbiased Independence
We provide clear, independent financial advice shaped entirely around your situation and goals with no product bias or hidden agendas. Every recommendation is rooted in transparency, integrity, and what genuinely serves your best interests.
Client Outcomes Above All
Your long-term wellbeing drives every decision we make. We actively design our processes to avoid foreseeable harm, deliver fair value, and support you in achieving meaningful, lasting financial outcomes.
Education & Empowerment
We believe informed clients make better decisions. We invest time in explaining your options clearly — so you choose with confidence, not fear.
Collaborative Thinking
Every client benefits from two perspectives working in harmony. With two Chartered advisers working collaboratively, you gain deeper insight, broader experience, and well-rounded strategies. It's a team approach that gives you more confidence and more clarity at every step.
Committed to the FCA's
Consumer Duty
Good Faith
We act with honesty, transparency, and integrity in every client interaction — embedding good faith into every stage of your journey.
Avoiding Harm
We proactively identify and prevent foreseeable harm, ensuring our advice never places your interests at risk — today or in the future.
Enabling Objectives
We support and empower you to pursue your financial goals, providing the tools, clarity, and confidence to make informed decisions.
Our Services
Comprehensive
financial planning,
built around you.
Based in London and serving clients across the UK, we offer a full suite of independent financial planning services — all underpinned by chartered expertise, regulatory compliance, and an unwavering commitment to your best interests.
Retirement Planning
Your retirement should be a reward, not a worry. From early planning to drawing income, we help you navigate the complex landscape of pensions and structure your pensions and investments building a plan that ensures financial security and peace of mind for decades to come.
Investment Planning
Growing and preserving your wealth requires a strategy that reflects your risk appetite, timeline, and ambitions. We advise on diversified, goal-aligned investment portfolios monitoring performance and adapting to market conditions so your money works as hard as you do.
Tax Planning
In a tax environment that is continually evolving, proactive planning is one of the most powerful tools available to you. We identify legal, compliant ways to minimise your tax burden across income tax, capital gains, inheritance tax, and beyond, helping you retain more of what you earn and grow. We stay current with legislative changes so you never have to navigate them alone.
Protection Planning
Life is unpredictable, but your financial security shouldn't be. We can help safeguard you and your loved ones against life's unexpected events, whether that's illness, loss of income, or the death of a family member. We take the time to understand your circumstances, responsibilities, and long-term goals before recommending the right blend of cover to give you confidence and peace of mind, knowing that whatever happens, your financial foundations remain secure.
Estate & Inheritance Planning
Your legacy is as important as your lifetime. We guide you through the process of structuring your estate effectively to ensure your wealth passes to the people and causes you care about, as efficiently as possible. From Wills and Trusts to gifting strategies and power of attorney, we approach estate planning with the sensitivity, clarity, and expertise it demands.
Please note, the Financial Conduct Authority does not regulate will writing and taxation and trust advice.
How We Work
A client-centred process
Discovery
We take time to understand your full financial picture, goals, concerns, and timeline — without rushing or assumptions.
Analysis
Both advisers review your situation collaboratively, identifying opportunities and risks from multiple expert perspectives.
Strategy
We present a clear, personalised plan in plain language — explaining our reasoning so you feel confident in every decision.
Ongoing Review
Life changes. We review and adapt your plan regularly, ensuring it continues to serve your evolving needs and circumstances.
Our Fees
Clear, transparent charges
We believe in being upfront about cost.
Everyone should have access to financial advice and so an initial consultation is always at no cost to you, with no obligation to proceed.
Below is an overview of our fees — all charges will be confirmed with you in writing before any work begins.
Financial Review Service
Financial Health Check
£1,500
Fixed fee
A standalone review of your existing financial position, delivered as a Financial Summary Report. Suitable where you would like clarity and direction.
- Summary of your existing financial position
- Summary of your risk tolerance and profile
- Breakdown of your existing arrangements
- Follow-up appointment to discuss findings
Payable on provision of the report.
Advice & Implementation
Initial Advice
Up to 3%
Of the amount invested
Where you instruct us to proceed with our recommendations, we charge a percentage of the amount invested or transferred. The actual fee depends on the complexity of the work involved.
- Pension advice: up to 3%
- Investment advice: up to 3%
- Specialist products: up to 3%
- Protection & general insurance: no fee (commission from provider)
Where implemented, the Financial Health Check fee is waived in full or in part by the same amount.
Long-term Partnership
Ongoing Service
0.75%
Annual, of investments held with us
An annual service to keep your plan on track — including regular reviews, ongoing access to your adviser, and proactive updates as legislation, markets, and your circumstances evolve.
- Full financial review at least annually
- Full access to your adviser
- Quarterly portfolio updates (where applicable)
- Personal Finance Portal access
Tiered Fee Structure: where you hold investments over £1m with us, our ongoing fee will reduce on a tiered basis to 0.55%.
All fees are agreed and confirmed in writing before any work is carried out. There is no charge for your initial consultation. The actual ongoing fee will vary as your portfolio value changes.
Get Started
Not sure where to begin?
We offer an initial consultation to understand your situation and explain how we can help — with no obligation.
Book a ConsultationContact Us
Let's start the conversation.
Whether you have a specific question or simply want to explore how we can help, we'd love to hear from you. Complete the form and one of our advisers will be in touch.
43 Gore Road
London
SW20 8JN
Retirement Planning · Investment Planning · Tax Planning
Protection Planning · Estate & Inheritance Planning
We typically respond within one business day.
Initial consultations are available at no cost to you, and with no obligation to proceed. We're happy to work around your schedule — whether in person or via video call.
Authorised and regulated by the Financial Conduct Authority.
OF Financial Management is entered on the Financial Services Register at register.fca.org.uk under reference 1044496.
We operate under the FCA's Consumer Duty framework, committing to acting in good faith, avoiding foreseeable harm, and supporting you to achieve your financial objectives.
Book a Consultation
Fill in your details and we'll be in touch shortly.
Thank you for reaching out.
We've received your enquiry and will be in touch within one business day. We look forward to speaking with you.
Complaints
How to raise a concern
OF Financial Management aims to provide you with the highest possible standard of service. If you are unhappy with any aspect of our service, please let us know.
If you wish to register a complaint, please write to us at info@offm.co.uk or 43 Gore Road, London, SW20 8JN, or telephone us on 0774 129 7337.
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and, if you cannot settle your complaint with us directly, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.
Legal
Privacy Policy
This Privacy Policy explains how OF Financial Management Ltd ("we", "us", "our") collects, uses, stores and protects your personal data when you interact with us through this website or in the course of providing financial advice and related services.
Last updated: May 2026
1. Who we are
OF Financial Management Ltd is a company registered in England and Wales (company number 16565899) with its registered office at 43 Gore Road, London, SW20 8JN. We are authorised and regulated by the Financial Conduct Authority (FCA reference number 1044496).
2. Information we collect
Your Personal Data means any information that describes or relates to your personal circumstances. Your Personal Data may identify you directly, for example your name, address, date of birth, national insurance number. Your Personal Data may also identify you indirectly, for example, your employment situation, your physical and mental health history, or any other information that could be associated with your cultural or social identity.
In the context of providing you with assistance in relation to your investments and/or insurance requirements Your Personal Data may include:
- Title, name, date of birth, gender, nationality, civil/marital status, contact details, addresses and documents that are necessary to verify your identity
- Employment and remuneration information, (including salary/bonus schemes/overtime/sick pay/other benefits), employment history
- Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances and details of dependents
- Health status and history, details of treatment and prognosis, medical reports (further details are provided below specifically with regard to the processing we may undertake in relation to this type of information)
- Any pre-existing investment, finance and/or insurance products and the terms and conditions relating to these
- Marketing preferences: your preferences in receiving updates from us
We may also receive information about you from product providers, employers, accountants, solicitors, or other third parties where you have authorised them to share it with us.
3. How will we deal with Your Personal Data
When we speak with you about your investment and/or insurance requirements we do so on the basis that both parties are entering a contract for the supply of services.
In order to perform that contract, and to arrange the products you require, we have the right to use Your Personal Data for the purposes detailed below.
Alternatively, either in the course of initial discussions with you or when the contract between us has come to an end for whatever reason, we have the right to use Your Personal Data provided it is in our legitimate business interest to do so and your rights are not affected. For example, we may need to respond to requests from mortgage lenders, insurance providers and our Compliance Service Provider relating to the advice we have given to you, or to make contact with you to seek feedback on the service you received.
On occasion, we will use Your Personal Data for contractual responsibilities we may owe our regulator, The Financial Conduct Authority, or for wider compliance with any legal or regulatory obligation to which we might be subject. In such circumstances, we would be processing Your Personal Data in order to meet a legal, compliance or other regulatory obligation to which we are subject.
4. How will we process certain parts of your Personal Data
Where you ask us to assist you with for example your insurance / ethical investments, in particular life insurance and insurance that may assist you in the event of an accident or illness, we will ask you information about your ethnic origin, your health and medical history (Your Special Data). We will record and use Your Special Data in order to make enquiries of insurance / investment providers in relation to insurance products that may meet your needs and to provide you with advice / guidance regarding the suitability of any product that may be available to you.
If you have parental responsibility for children under the age of 13, it is also very likely that we will record information on our systems that relates to those children and potentially, to their Special Data.
The arrangement of certain types of insurance may involve disclosure by you to us of information relating to historic or current criminal convictions or offences (together "Criminal Disclosures"). This is relevant to insurance related activities such as underwriting, claims and fraud management.
We will use Special Data and any Criminal Disclosures in the same way as Your Personal Data generally, as set out in this Privacy Notice.
Information on Special Category Data and Criminal Disclosures must be capable of being exchanged freely between insurance intermediaries such as our Firm, and insurance providers, to enable customers to secure the important insurance protection that their needs require.
5. How do we collect your data
We will collect and record Your Personal Data from a variety of sources, but mainly directly from you. You will usually provide information during the course of our initial meetings or conversations with you to establish your circumstances and needs and preferences in relation to investment, and insurance. You will provide information to us verbally and in writing, including email.
We may also obtain some information from third parties, for example, credit checks, information from your employer and searches of information in the public domain such as the voters roll. If we use technology solutions to assist in the collection of Your Personal Data, for example software that is able to verify your credit status, we will only do so if we have consent from you, for us, or our nominated processor to access your information in this manner. With regards to electronic ID checks we would not require your consent but will inform you of how such software operates and the purpose for which it is used.
6. What do we do with your Personal Data
In the course of handling Your Personal Data, we will:
- Record and store Your Personal Data in our paper files, mobile devices and on our computer systems (websites, email, hard drives, and cloud facilities). This information can only be accessed by employees and consultants within our firm and only when it is necessary to provide our service to you and to perform any administration tasks associated with or incidental to that service.
- Submit Your Personal Data to Product Providers and/or Insurance Product providers, both in paper form and on-line via a secure portal. The provision of this information to a third party is essential in allowing us to progress any enquiry or application made on your behalf and to deal with any additional questions or administrative issues that lenders and providers may raise.
- Use Your Personal Data for the purposes of responding to any queries you may have in relation to any investment or insurance policy you may take out, or to inform you of any developments in relation to those products and/or policies of which we might become aware.
7. Who we share your information with
We will only share your personal information where it is necessary to deliver the services you have asked us to provide, where required by law, or where you have given us permission to do so. This may include:
- Investment providers and Insurance providers
- Third parties who we believe will be able to assist us with your enquiry or application, or who are able to support your needs as identified. These third parties will include but may not be limited to, our compliance advisers, product specialists, estate agents, other professional advisers such as accountants, solicitors, mortgage advisers where you have authorised this.
In each case, Your Personal Data will only be shared for the purposes set out in this Customer Privacy Notice, i.e. to progress your investment and/or insurance enquiry and to provide you with our professional services.
Please note that this sharing of Your Personal Data does not entitle such third parties to send you marketing or promotional messages, it is shared to ensure we can adequately fulfil our responsibilities to you, and as otherwise set out in this Customer Privacy Notice.
We do not envisage that the performance by us of our service will involve Your Personal Data being transferred outside of the United Kingdom or European Economic Area.
We do not sell your personal data to third parties under any circumstances.
8. How long we keep your information
Your privacy is important to us and we will keep Your Personal Data secure in accordance with our legal responsibilities. We will take reasonable steps to safeguard Your Personal Data against it being accessed unlawfully or maliciously by a third party.
We also expect you to take reasonable steps to safeguard your own privacy when transferring information to us, such as not sending confidential information over unprotected email, ensuring email attachments are password protected or encrypted and only using secure methods of postage when original documentation is being sent to us.
Your Personal Data will be retained by us either electronically or in paper form for a minimum period of 6 years following the advice/service you receive from us, although your data could be held for a longer period where this may be needed to meet the requirements of our regulatory bodies.
9. Your rights
You can:
- request copies of Your Personal Data that is under our control
- ask us to further explain how we use Your Personal Data
- ask us to correct, delete or require us to restrict or stop using Your Personal Data (details as to the extent to which we can do this will be provided at the time of any such request)
- ask us to send an electronic copy of Your Personal Data to another organisation should you wish
- change the basis of any consent you may have provided to enable us to market to you in the future (including withdrawing any consent in its entirety)
10. Collection of data from a third party to support you
Where identifiable data is collected from a third party such as a family member or a trusted friend, this information will only be used for the purpose of supporting with the contract for the supply of services as outlined in this notice and not for any other reasons.
11. How to contact us in relation to the use of Your Personal Data
If you have any questions or comments about this document, or wish to make contact in order to exercise any of your rights set out within it please contact Charlotte Field.
If we feel we have a legal right not to deal with your request, or to action it in a different way to how you have requested, we will inform you of this at the time.
You should also make contact with us as soon as possible on you becoming aware of any unauthorised disclosure of Your Personal Data, so that we may investigate and fulfil our own regulatory obligations.
If you have any concerns or complaints as to how we have handled Your Personal Data you may lodge a complaint with the UK's data protection regulator, the ICO, who can be contacted through their website at ico.org.uk/global/contact-us/ or by writing to Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.
12. Cookies
A cookie is a small text file written to your hard drive that contains information about you. Cookies do not contain any personal information about users.
We do not currently use cookies on our website.
13. Complaints
If you have a concern about how we have handled your personal information, we would ask that you contact us first at info@offm.co.uk so we can investigate and put things right. If you remain dissatisfied, you have the right raise a concern with the Information Commissioner's Office (ICO):
Website: ico.org.uk/make-a-complaint/
14. Changes to this policy
We may update this policy from time to time to reflect changes in law or in how we operate. The "last updated" date at the top of this page shows when it was most recently revised. We encourage you to review it periodically.
Legal
Terms of Service
These terms govern your use of the OF Financial Management Ltd website (offm.co.uk). They are separate from any client agreement you may enter into when engaging us for financial advice or related services, which is set out in our Client Agreement and Service Proposition documents.
Last updated: May 2026
1. About us
This website is operated by OF Financial Management Ltd, a company registered in England and Wales under company number 16565899, with its registered office at 43 Gore Road, London, SW20 8JN. We are authorised and regulated by the Financial Conduct Authority under reference number 1044496. Our entry on the Financial Services Register can be viewed at register.fca.org.uk.
2. Use of this website
By accessing this website you agree to be bound by these terms. If you do not accept them, please discontinue use of the site. We reserve the right to modify these terms at any time; continued use of the site after changes constitutes acceptance of the revised terms.
You agree to use this website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use of it.
3. Information on this website
The content of this website is provided for general information only. It does not constitute financial, investment, tax, legal, or other professional advice, and should not be relied upon as such. You should not act or refrain from acting on the basis of anything on this site without obtaining appropriate professional advice tailored to your circumstances.
While we take reasonable care to ensure information is accurate and up to date at the time of publication, financial regulations, tax rules, product features, and market conditions change frequently. We make no representations or warranties — express or implied — as to the completeness, accuracy, or suitability of any information on this site for any particular purpose.
4. UK regulatory scope
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the United Kingdom. It is not intended for, and should not be relied upon by, persons in jurisdictions where it would be unlawful to provide such information.
5. Investment risk warning
Where this site references investments or pensions, you should be aware that:
- The value of investments can go down as well as up, and you may not get back the amount originally invested.
- Past performance is not a reliable indicator of future performance.
- Tax treatment depends on individual circumstances and may change in the future.
- Some products and services referred to on this site are not regulated by the FCA — including (but not limited to) will writing, trust advice, and taxation advice.
6. Engaging our services
Nothing on this website constitutes an offer to provide financial advice or to enter into a contract. Financial advice is only provided once a formal Client Agreement has been signed and our suitability and "Know Your Client" processes have been completed.
7. Intellectual property
All content on this website — including text, graphics, logos, images, and the underlying design and code — is owned by or licensed to OF Financial Management Ltd and is protected by copyright and other intellectual property laws. You may view, download for personal non-commercial use, and print pages from the site provided you do not modify any content and you retain all copyright and proprietary notices. Any other use, including reproduction, distribution, or commercial exploitation, requires our prior written consent.
8. Third-party links
This website may contain links to third-party websites (such as the FCA Register and the ICO). We are not responsible for the content, accuracy, or privacy practices of those sites. The inclusion of any link does not imply endorsement by us.
9. Limitation of liability
To the fullest extent permitted by law, OF Financial Management Ltd accepts no liability for any direct, indirect, incidental, consequential, or punitive loss or damage arising from your use of, or inability to use, this website, including any reliance placed on the information contained on it. Nothing in these terms limits or excludes our liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any other liability that cannot be excluded under English law.
10. Privacy
Our handling of personal information collected through this site is governed by our Privacy Policy, which forms part of these terms.
11. Complaints
If you are a client of OF Financial Management Ltd and wish to make a complaint about the services we have provided, please contact us at info@offm.co.uk or in writing at our registered address. We will acknowledge your complaint promptly and investigate it in line with FCA rules. If you remain dissatisfied, you may have the right to refer the matter to the Financial Ombudsman Service:
Financial Ombudsman Service
Exchange Tower, London E14 9SR
Telephone: 0800 023 4567
Website: financial-ombudsman.org.uk
12. Financial Services Compensation Scheme
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS if we cannot meet our obligations. The level of compensation depends on the type of business and the circumstances of the claim. Further information is available at fscs.org.uk.
13. Governing law
These terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.
14. Contact us
For any questions about these Terms of Service, please contact us:
OF Financial Management Ltd
43 Gore Road, London, SW20 8JN
Email: info@offm.co.uk
Telephone: 0774 129 7337