About Us

We are Independent Financial Advisers

At KDR Financial Services we advise and arrange on creating a wealth of opportunities for our clients.

Founded in 1986, with experience in the financial services sector dating back to 1977, our team provides independent and unrestricted financial advice across four areas – Investments, Pensions, Mortgages and Protection.

With partnerships extending across leading Investment and Wealth Management Providers, we provide bespoke and model investment portfolio services to private individual and corporate clients.

KDR is here to guide you through the maze of financial planning and help you achieve all your financial goals.

KDR Financial Services are independent financial advisers authorised and regulated by the Financial Conduct Authority (FCA).

Please feel free to contact us for more information about the advice and services we provide.

Our Story

Our philosophy at KDR

"No matter where you are in life, there is always more journey ahead' N. Mandela

Treating our customers as we would expect ourselves to be treated is integral to our philosophy here at KDR.
In an ever evolving financial services industry challenged by regulation, legislation and a myriad of financial products and distribution, the need for qualified independent and professional advice remains as important as ever.
We have been helping generations of past clients as well as new clients to achieve their financial goals through effective and suitable financial planning.

Creating and managing wealth - capital growth and income - tax efficient planning - protecting and bequeathing assets – just some of the key objectives of our clients.

Our team are here to advise and guide you through the financial labyrinth. Our commitment: to provide the highest quality of independent financial advice - raising the bar of technical excellence and realisation of consumer expectations.

KDR: a dynamic blend of innovation and experience.

Rajeeb Guha-Thakurta

Raj’s background is in marketing, finance and languages - BA (Hons) in French with subsidiary Spanish from Birmingham University and Strasbourg University. Joined KDR in 1992 after working with a marketing firm in the US.

Looks after private and corporate clients, with specialist knowledge in investment & pension management.

Pradip Guha-Thakurta

Bsc Msc in Fibre Physics – Pradip started his career in Research Science and then headed up a Technical Services and Marketing team with a Blue Chip Textile Manufacturer prior to joining the Financial Services industry.

Founded KDR Financial Services in 1986 with his Wife, Kishwar.


Your Circumstances – Your attitude to Investment Risk – Your Cash Flow Planning – Analysis of Your Needs – Your Goals – Scenario Analysis – Longevity Assessment – Wealth Projections
Financial plan to help you achieve your financial targets and monitor your progress. Our areas of expertise that we advise upon are:
  • Investment Advice and Wealth Management

    Managed Portfolio Service
    Discretionary Management Solutions
    Onshore and Offshore Planning

  • Pension & Retirement Planning

    Pre and post retirement planning
    Flexible Pensions and Annuities
    Portfolio Management

  • Inheritance Tax Planning

    Estate & Trust Planning
    Business Property Relief
    Protection Solutions

  • Taxation Planning

    Income and Capital Gains Tax
    Tax Wrappers
    Entrepreneurs’ relief

  • Protection

    Personal & Family Assurance;
    Key Person & Business Assurance

  • Mortgage Service

    Residential & Buy-to-let
    Equity Release through Professional Partners

We also offer a Will Planning service through our Professional Partners.
Please feel free to arrange an initial complimentary consultation.

Glossary of the IFA market

We provide quality services
  • Independent advice on whole of the market

    An Independent Financial Adviser (IFA) is a qualified professional who is not tied to any single provider and can give you advice based on the whole of the market so you need have no concern that they are aligned to any particular organisation.

  • Legally obliged to give you the best advice

    You have peace of mind that the advice you are given is the best for your personal circumstances as IFAs are legally obliged to find the best solutions for you. They must inform you in detail why they have advised on a particular course of action.

  • Access to the best deals to suit you

    IFAs will have knowledge and access to the best deals currently available on the market. Providers will on occasions place a particularly attractive offering on the market and an IFA is best placed to advise if the product would suit your requirements.

  • Unbiased and not tied to any providers

    Unlike a restricted financial adviser who is tied to particular providers, an IFA is totally independent and obliged to search the whole of the market on your behalf and only advise on the best financial products for you.

  • Trustworthy, ethical and qualified advisers

    Given that all the recommended advisers are regulated by the Financial Conduct Authority (FCA) and must meet strict qualification and competence requirements, the advice that you receive will be of the highest standard. Furthermore, they adhere to the highest standards of integrity and professionalism.

  • Save you time, effort and money

    Preparing a sound financial plan can be a complicated and time-consuming operation. A qualified IFA will conduct a detailed survey of your financial position, preferences and objectives and put in place a plan of action to achieve them. Financial products that best suit you will save you money and ensure that you are best placed to achieve your objectives.

The Financial Ombudsman Service
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves.
To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk

Client Area

A Personal Financial Portal (PFP) is available to our existing clients as well as prospective clients:

The client portal account provides you with a secure messaging service, so you can quickly get in touch with us and have the peace of mind of knowing that any information you share is fully encrypted and private.

The portal includes communication features such as web chat, video and voice calls, as well as screen sharing and co-browsing.

Documents can be received and uploaded via the portal, meaning that important information no longer needs to be exchanged via email. You can house all your financial documents online in a document vault, where they are secure and fully backed up.

As well as the security and document storage facilities, your PFP will enable you to view your overall financial information in one place so you can get up to date valuations, overview of the performance of your investments and access to how you are progressing against your financial goals.

Via your PFP, you will be able to update your personal and financial details, including Banking information.

Your PFP will be your one stop hub for managing your financial affairs.

Get in Touch

Any question? Reach out to us and we will get back to you shortly.
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