Holder and Combes are a City-based boutique financial consultancy. Partners Ed Holder and Nick Combes have worked together since 2002 and each is qualified to the highest standard: Ed as a Chartered Financial Planner, and Nick as a Certified Financial Planner.

Holder and Combes have been awarded 'chartered' status, something that only 1 in 20 IFA firms currently manage.

Independent financial advice is offered on pensions and investment planning, taxation and trusts, mortgages and insurance. The firm also offers currency exchange services.

Ed and Nick have a diverse client base comprising private individuals, families and SMEs. They are passionate about taking the mystery out of personal finance and empowering clients by breaking down the jargon and the complex legislation into easy to understand concepts, getting clients to take a part in their financial affairs (only if they want to, of course!)

As Ed and Nick explain on their site, it is important to see each financial decision you make as part of a whole, so that you can consider both the short and long-term effects on your life plans. Their service includes assessing your current financial status and coming up with a tailored strategy that will make the most of your income to help you meet your goals.