Pembroke Wealth Management: 
our independent financial advisers
Meet our Advisers...always here to help
Keith Relf, Cert PFS - Managing Director
Founded Pembroke Financial Services in 1993.
Career history:
1993 to present I am Principal of Pembroke Financial Services
1991 - 1993 Bainton Smith Ltd,Worthing: IFA working alongside the Financial Services MD developing professional connections and existing corporate and individual client bank.
1987 - 1988 W.T. Fry, IFA’s,Worthing: My first experience of client facing IFA work.
Working alongside UK investment advisers and helping clients with
investment, pension and mortgage issues.
1983 - 1991 Worked as a Life Office Consultant/Inspector : Developing business
relationships between the Life Office and IFA practices. Had stints with Clerical Medical, Norwich Union and Royal Sun Alliance.
Qualifications BA (Hons). Cert PFS.
Keith Bonner, Dip PFS, CeMap - Director
Career history:
2003 to present Pembroke Financial Services Ltd: Became an Equity Director in 2005.
Equity Director and main Adviser in the Joint Venture with Chartered Accountants, Hilton Sharp
& Clarke. Key areas of advice involve retirement planning, investment
portfolio construction, mortgages and tax planning. Ran a very
successful Inheritance Tax seminar for the JV in 2009. Specialist in
Equity Release for both Pembroke Financial and Hilton Sharp & Clarke
Financial Services.
2002 - 2003 Financial Adviser NatWest: Advising bank clientele on investment
orientated products with some pension advice.
1986 - 2002 LloydsTSB: Branch Manager, Financial Adviser - Began working career
in Lloyds branches progressing to Branch Manager over time including
the prestigious Hove branch. Moved across to become Financial
Planner in 2000 offering the limited range of Bank products to branch
customers. Mainly investment orientated products.
Qualifications: Advanced Financial Planning Certificate (now called Diploma in
Financial Planning) – Now studying for examinations to obtain Chartered
Financial Planner status. Pension Funding and Pension Income
Qualifications. Equity Release and Home Reversion qualifications.
CeMap.
Adrian Moy, Dip PFS - Director
Career history:
2009 to present Pembroke Financial Services:Area of Responsibility: Development of
Solicitor. relationships.“To identify firms of Solicitors in Sussex
with a like minded ethos and aspirations with a view to forming Joint
Ventures to provide bespoke financial planning and ongoing review
services for their clients.”
2008 - 2009 Allfield Financial Group.
1994 - 2008 Investment Solutions, Worthing Set up and managed Joint Ventures:
Solicitor JVwith GreenWright ChaltonAnnis. Solicitor JV with Marsh Ferriman,
Solicitor JV with Wannop & Fox Accountancy JVwith Carpenter Box.
1993 - 1994 Senior Consultant, Friends Provident.
1992 - 1993 Senior Adviser, Seymour Price, Eastbourne.
1988 - 1992 Consultant, Clerical Medical.
Qualifications: Advanced Financial Planning Certificate Including:Taxation and Trusts,
Personal Ivestment Planning, Corporate Investment Planning, Long Term
Care Planning. Investment Managers Asset Allocation. Equity Release.
Bachelor of Science.
Keith Towler, Cert PFS - Financial Consultant
Career history:
2007 to present Pembroke Financial Services: Financial Consultant Advising on
Investments, Pensions and Life Assurance. Also handles most of our Mortgage business.
1987 - 2007 Lloyds Bank: Financial Adviser offering advice and support to bank
branch clientele based around East Grinstead, Edenbridge and Redhill.
Mainly investment orientated advice with some retirement planning.
Qualifications: Cert PFS, CeMAP
John Walpole, Dip PFS - Financial Consultant
Career history:
1973 - 1989 Lloyds Bank Plc
All aspects of retail banking at branch level and rising to Area Director's Assistant.
1986 Attained Associateship of the Chartered Institute of Bankers
1989 - 1996 Abbey Life Assurance
Sales Associate advising on the entire range of 'in house' financial products to clients generated from own 'prospecting' activities.
1995 Passed Papers 1,2 & 3 of The Financial Planning Certificate
1996 - 2010 Bainton Smith Financial Services Ltd which changed name to Argyll Financial Services Ltd
Started as a trainee IFA and rose to Executive Director.
All aspects of personal and business financial planning advice, specialising in establishing and building close working relationships with Accountant and Solicitor introducers.
Primary focus has been managing pension and investment portfolios for High Net Worth clients, both pre and post retirement and assisting with IHT mitigation planning.
2000 Attained Advanced Financial Planning Certificate including Specialist Pensions G60 examination.
2010 Joined Pembroke Financial Services Ltd as an adviser to clients old and new.
2011 Studying final examination papers to achieve Chartered Financial Planner status
