Reef Financial Consulting are able to provide financial planning for a wide variety of circumstances and can help clients with a range of tax efficient solutions.

We specialise in Investment related advice, such as: Pensions and Retirement Planning, Inheritance Tax Mitigation and Portfolio Management.

Dave Hurring, founder of Reef Financial Consulting, is a Chartered Financial Planner which is recognised as the ‘Gold Standard’ for financial advisers.

Apart from investment related matters, we also offer expert advice on a wide range of Mortgages and Protection products, including; Life Insurance, Income Protection, Critical Illness Cover and Private Medical Insurance.

For sole-traders and limited companies, Reef Financial Consulting can provide professional advice on tax efficient insurances and employee benefits, including Auto-Enrolment Pensions.

Dave Hurring is based in West Malling, Kent, however Reef Financial deal with clients across the London and the south-east.

The name 'Reef' Financial Consulting was chosen because Dave is a keen scuba diver. A coral reef is also a great example of an eco-system, home to a variety of species that work with each other to thrive in an environment that provides a great opportunity for growth and protection. That seems a good analogy for a long term, client-adviser relationship that will provide the basis for financial growth and protection in an ever-changing economic and political world.

For more information about Dave Hurring, Chartered Financial Planner status, please see the links on the left of this page.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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.

The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.

Auto-Enrolment pension schemes are not regulated by the Financial Conduct Authority.