Award-Winning Chartered Financial Planning

We provide some of the finest independent financial advice in the country, so you can be sure your future is in safe hands.

Combined Financial Strategies (CFS) is one of the UK’s leading independent financial advisers, offering award-winning advice on retirement planning, investments, tax efficiency, legacy planning and more. 

The business is led by Jonothan McColgan, a chartered financial planner who has been awarded UK Financial Adviser of the Year and numerous other awards. He is a sought-after commentator in national publications including the Financial Times, The Times, the Daily Telegraph and the Mail on Sunday. 

CFS provides a completely independent and personalised service. Because we’re a small team of experts, we focus on every single client and delivering a highly personalised service. Your needs are different from anyone else’s, so your advice should be too.

Why Do You Need Financial Advice?

By taking financial advice you gain access to expert knowledge and experience. We will make sure you’re doing what you need to do to protect and build your wealth and to maintain your lifestyle into retirement.

Anything to do with your future is always a compromise – but it is vital to know that you’ve made the right compromises for you, and that your finances are under control.

What We Advise On

We can advise on how you can build your wealth, protect your wealth, plan for worst case scenarios and maintain your lifestyle into retirement.

We use a wide range of tools to achieve this, including investments, pensions, tax strategies and protection, but the most important thing is to understand your hopes and aspirations and focus on what you want to do in life. That always comes first.

How We Can Help


Retirement Planning

Tax Efficiency


Legacy Planning


The Freedom to Live The Life You Choose

Call us on 01225 471462 or email

Our Awards