Candor Rubra Financial Ltd
Financial Services in London
We are Candor Rubra Financial Ltd, an independent financial planning firm located at 128 City Road, London. We work with people at different stages of life, supporting individuals, families and business owners in understanding their financial position and establishing plans that reflect their aims. Our approach is built on candour: we communicate openly, explain financial recommendations in accessible language and confirm our fees before any work commences. By setting out the reasons for our advice clearly, we help you understand how proposed solutions relate to your needs.Our expertise includes pension reviews and consolidation, retirement planning and strategies for drawing an income in later life. This encompasses drawdown and approaches to withdrawing funds tax-efficiently. We also provide investment planning involving ISAs and general investment accounts, as well as cashflow assessments to help you judge whether your objectives remain achievable. Company directors and business owners can access pension and investment planning suited to their circumstances. We review plans on an ongoing basis to account for changes in your life and the rules affecting your arrangements. Every new relationship starts with an initial discussion that carries no cost or obligation, allowing both parties to establish whether working together is appropriate. Should you proceed, we research recommendations in light of your objectives, attitude to risk and capacity for loss, with continuing service available thereafter. We offer appointments in London or by video. Investment values and income may decrease or increase, and you could recover less than invested. Candor Rubra Financial Ltd is an Appointed Representative of ValidPath Limited, authorised and regulated by the Financial Conduct Authority.
Areas Served
- Clapham Wandsworth Wimbledon London Battersea Balham Putney
Business Details
- Licensed and insured
- Year established: 2025
Highlights & Specialties
- Independent financial advice built on honesty, clarity and transparency
- Over 20 years of experience in complex financial planning
- Straightforward wealth management designed for sustainable long-term growth
- Expert mortgage advice tailored to your wider financial plans
- Practical pension planning for a confident and tax-efficient retirement
- Personalised protection and inheritance tax planning to safeguard your legacy
Professional Associations & Certifications
- Appointed Representative of ValidPath Limited
- ValidPath Limited is authorised and regulated by the Financial Conduct Authority
- Diploma in Regulated Financial Planning
- Mortgage Advice Certificate
- Equity Release Certificate
- Member of the PFS
- Member of the CII
Contact Details
Products & Services
Wealth Management
read moreOur approach to wealth management begins with understanding what financial security means to you and what you wish to achieve. We assess your assets, income, liabilities and risk appetite before developing a personalised financial strategy. As an independent firm, we select investments and platforms according to their suitability rather than commercial incentives. Transparent charges, tax-efficient planning and regular reviews ensure your financial arrangements remain relevant as your circumstances evolve.
Mortgage Advice
read moreChoosing a mortgage involves more than comparing interest rates, as fees, terms and individual circumstances can significantly affect the overall cost. We assess the full range of market options to help you make an informed financial decision. Our independent service supports first-time buyers, homeowners moving property, those approaching remortgage deadlines and landlords seeking buy-to-let or specialist finance, with transparent costs and recommendations tailored to their requirements.
Protection Advice
read moreWe help individuals and business owners prepare for the financial consequences of unexpected illness, injury or bereavement. Our protection advice covers personal policies, including life insurance, critical illness cover and income protection, alongside business solutions for directors, employees and shareholders. By understanding what you stand to lose, we identify appropriate cover without unnecessary expense and explain your options transparently, enabling you to select protection suited to your circumstances.
Pension Advice
read moreManaging several pensions can make it difficult to understand their value, costs and contribution towards your future retirement. We review your existing provisions individually, ensuring that important guarantees and benefits receive proper consideration before any changes are proposed. Our independent recommendations may involve consolidation, retaining particular arrangements or combining both approaches. We then help you plan the next stage, including how to access your pension savings through drawdown or other available options.
Inheritance Tax Planning
read moreI provide independent guidance to help you make informed decisions about the wealth you intend to pass on. Following an assessment of your property, pensions, investments and wider estate, I develop clear recommendations tailored to your intentions. We review these arrangements as circumstances evolve and involve your solicitor when necessary, helping ensure your inheritance tax planning remains coordinated and supports the people you want to protect.
Reviews Write a Review
James Blackler
Oct 13, 2026
Sam is very diligent and is a pleasure to work with.
Alex Robertson
Sep 28, 2026
Has been our adviser since 2022. Highly recommend.
Gareth Laidlaw
Sep 27, 2026
Really happy with the advise and service provided by Sam, really good to get a honest friendly personable relationship with my money.
Key People
Sam Pemberton
Founderread moreI set the firm up for a simple reason: after twenty years in financial services, I'd grown tired of watching good people get treated as numbers, sold products that suited targets rather than them, and spoken to in jargon that kept them at arm's length. I knew advice could be done better, so I built a firm to do exactly that.