about withprofitsadvice.com
helping you manage life better
Who Are We?
withprofitsadvice.com is a service managed by Downing Financial Management Ltd (DFM Ltd), a Cambridge-based firm of Independent Financial Advisers (IFAs).
We offer a friendly, open approach with the aim of providing our clients with the services and products that best suit their needs.
We offer 'whole of market' advice with no allegiance or bias to any one, or group of, provider(s).
We can help with both your personal and business financial requirements. With-Profits bonds and pensions are areas we have expertise in and are ready to assist in reviewing your policy to enable you to make sense of it and get significant return from your investments.
We advise across a spectrum of financial services products including mortgages, pensions, saving plans, investments, life assurance and income protection.
We offer our services to you on a 'commission-only' basis; a 'fee' basis; or a combination of the two. The options will be discussed with you and you decide.
We adhere to strict Financial Services Authority (FSA) guidelines, which obligate us to provide advice most suited to your personal requirements, affordability and attitude to risk.
DFM Ltd holds Professional Indemnity Insurance and is registered under the Consumer Credit Act and Data Protection Act.
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With-Profits investments have traditionally been the way most British people invest when looking for higher returns than a bank or building society savings account. So what's the problem? 
Pensions, Mortgages, Protection, Investments and much more are all part of our porfolio of advice on your behalf.