S4 Financial Ltd is a firm of independent financial advisers specialising in providing advice on Wealth Management, investments, retirement planning, managing risk, tax efficiency, estate planning and Cash Flow modelling. We’ve been helping clients navigate complex financial markets since 2004 when Steven Vallery and Tim McKechnie first conceived the idea of building a business with the support of 22 client shareholders to help establish a company designed to suit their requirements. From those very early days, we have grown primarily through client recommendations. 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 (https://register.fca.org.uk/) under reference 401372.