established 1979

Our History

Sovereign (Financial Services) Limited is a privately owned company based in Kent providing independent financial advice services to clients continuously since 1979. We have a consecutive and unblemished trading track record for over 40 years. Any other financial services company trading using the name Sovereign is unconnected to ourselves.

Our Services

We operate a pragmatic approach combining financial planning with investment strategy to suit clients’ evolving life journey. We advise independently giving our clients bespoke wealth management and individualised planning, without restrictions, avoiding a one size fits all approach. Examples of our services include, but not limited to: Pension Consolidation and Retirement Planning; Tax Wrapper Savings and Investment Advice (eg ISA, JISA, GIA and Investment Insurance Bonds); Estate and Inheritance Tax Planning; Wills; Lasting Power of Attorney; Protection (Life Insurance, Critical Illness and Income Replacement); Mortgages.

Our Independence

We believe having unfettered and unbiased access to the whole market is a better proposition for clients to plan their future. Furthermore by being independent we are able to take over the servicing of existing products negating the need to exit early by way of replacement, transfer or surrender, where clearly, to do so, would not be in the client’s best interests. We act independently for clients only and have no entwined relationship with any other third party involved in the planning and/or investments unlike restricted advisers who represent one company and implement that company’s products and funds. Many restricted advisers detail this very important information of their tied status in the small print of their advertising and promotional material.

Our Aim

We provide holistic ideas and solutions by considering in detail client’s finances, their objectives and the adverse impact on their savings and investments due to taxation and inflation. We plan ahead making sure the planning and investment timeline and exit options are flexible and easily understood. We avoid complexity in helping clients to create and protect their wealth by diverting them away from investment scams or high risk aggressive tax schemes.

Our Clients

We operate a selective client acquisition criteria, allowing us to devote and maximise all our resources to qualified introductions rather than exploratory sales and marketing activities. Our clients are made up of families and businesses introduced by Clients, Accountants and Lawyers, and increasingly through inter-generational planning.

Our Advisers

Our current Independent Financial Advisers listed on the FCA’s Financial Services Register are Gary Mitchell, James Mitchell & Joanna Baker.