Our Philosophy & Approach.
Our vision at CSS Financial is to build a community that clients want to be a part of.
The benefits of working with us.
#1. No fancy terms of bamboozlement.
No jargon. There we are, job done. People are often put-off by the language of finance, which often leads to them putting off their finances and setting up a pension. This is a real shame and doesn’t need to be the case. We speak the language of life and talk you through the pros and cons.
#2. BE involved. Or not.
You can be as involved as much or as little as you want to be in the planning and management of your finances and building your pension. If you’d rather set up your pension, then get on with living life and building your career, we can take care of the rest.
#3. we keep it simple.
We’ve seen wealth managers talk to someone who earns vast amounts of money and try to prove their worth by convincing them to go for the most complicated solutions, that sound highly complex and therefore feel risky! (We don’t do that).
#4. we help you to set achievable goals.
We take a goals-based financial planning approach which means our clients can work, do what they do and save money for the future, whilst not limiting their enjoyment of living life and being in the moment. We coach you through the process and show you your progress as you reach your goals.
#5. we are open minded.
We offer a judgement-free service and support all our clients with their financial goals. Many of our clients are under 30 and we appreciate there are more innovative ways of making money than there was 10+ years ago. We understand a number of niche industries and work with influencers, content creators and adult performers to help them make the most of their career now, start a pension and plan for the future.
The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
CSS Financial Clients enjoy the process, enjoy the journey and enjoy the freedom.
take the first step
Contact us for a no obligation discussion to see if we can help you find your own version of financial freedom.
Our founder’s STORY.
In my younger days, at the start of my first career, I believed I understood money. However, I was wrong. My journey to becoming a Wealth Manager started with this realisation.
Before I became a Wealth Manager, I was a Director at a successful maritime engineering firm where I was fortunate to travel the globe, flying weekly to interesting destinations and sailing around the world on some of the world’s most impressive yachts.
Despite this fortunate lifestyle, the gap in my financial knowledge was vast. This became apparent when I first met the company Wealth Manager. He didn’t bombard me with acronyms, jargon or daunting documents. He asked questions and listened. Explaining along the way benefits of A versus B. Never ‘telling’, always asking.
My first meeting with him dispelled myth and threw out everything I thought I knew about money and learnt what Wealth Management really is about. This experience opened my eyes to possibility of financial freedom. I found this to be not only enlightening but also invigorating. My relationship with my Wealth Manager was built on trust, empathy and his ability to actively listen.
I not only saw the possibility of personal financial freedom, I saw an opportunity and wanted to help others – people like me – find their own version of financial freedom. That is quite simply why I decided to leave the job I loved to pursue a new career path to become a Wealth Manager, all because of that first meeting many years ago.
I believe trust, empathy and active listening are fundamental to many aspects of life, especially when talking about something as important, and personal, as money. Which is why I built CSS Financial on these foundations.
We live in extraordinary times and success comes in many different forms and wealth can be created from businesses of all shapes and sizes in almost any industry. Work is changing, and the world is suddenly a different place which is why I strive to be the Wealth Manager not only for the here and now, but also for whatever the future holds.
Clients generally don’t fit into prescribed boxes, which is what makes my job so interesting. I approach each client’s needs with honesty and positivity, empowering individuals from all backgrounds and industries to gain their own financial freedom.
Sam Singh DipPFS, CSS Financial
Credentials.
Our founder, Sam Singh DipPFS received his Qualifications from the Chartered Insurance Institute. He is an Appointed Representative of St. James’s Place Wealth Management.