About Us

Dave Atkinson has been advising clients for more than 25 years. During that time, he has grown Maple Financial while continuing to build his experience and expertise.

Our office is based in Retford’s beautiful Market Square, close to the A1. Dave advises clients nationwide as well.

Dave can meet clients at Maple Financial’s comfortable, welcoming office in Retford, at their home or workplace, or by video call using platforms such as Microsoft Teams.

When booking your appointment, simply let the team know which option you prefer.

Meet The Team

Dave Atkinson

Dave Atkinson

Dave is qualified to advise on most areas of financial planning, including investments, retirement planning for individuals and businesses, protection, and estate planning. He is supported by an experienced office team who help ensure client queries are handled promptly and to a high standard.

Outside financial services, Dave is a devoted family man with three young adult children, and he enjoys spending time with them. He has a wide range of interests and, together with his wife Shirl of more than 25 years, they enjoy relaxing on their narrowboat, Evelyn May.

Dave and Shirl are heavily involved in the Retford & Worksop Boat Club, where Dave volunteers as Treasurer. He also loves cars and volunteers with Worksop Motor Club, marshalling at major events including the Goodwood Festival of Speed and World Rally GB. Dave and Shirl also enjoy walking their three Cockerpoos, Tink, Holly and Mabel.

Shirl Atkinson

Shirl Atkinson

Shirl brings a master’s degree level qualification in HR Management and a Level 5 qualification in Coaching and Mentoring. After 20 years working in HR, she is retraining and has joined Dave in the family business, where she now uses her strong administrative and organisational skills, warm relationship-building style, and hard-working approach to support clients.

Outside work, Shirl and Dave love spending time with their close family, including their three adult children and their partners.

Shirl also enjoys pottery, crafts and interior design, and is often gently encouraging Dave to make a change at home or on the boat. When she has time away from boating, she enjoys trips away with friends, travelling and discovering new things.

Our Proposition

Lyncombe Consultants support our investment proposition by providing a panel of centrally researched and approved products and investment solutions designed to meet the needs of our clients.

We have access to a range of investment solutions offered by Rockhold Asset Management, an investment management company which has developed a range of portfolios and funds specifically for Lyncombe Consultants. The Rockhold Investment Committee is responsible for:

  • Selecting leading investment managers
  • Continually monitoring the managers to ensure they stay at the top of their game
  • Changing managers when necessary
  • Making sure you have the portfolios offered are managed with the right level of risk.

We believe this investment process gives you the best chance of achieving good outcomes in the medium- to long-term.

Alongside Rockhold, we have access to a panel of independently researched funds from leading investment managers. This panel is reviewed by investment specialists to offer a range of different investment styles and approaches to help us deliver suitable investments for our clients.

Advice and Services

We consider the individual requirements of all our clients and provide advice based on these.

Areas of Advice Covered

PERSONAL

Family Protection

It is important to ensure your family is protected against the financial consequences of your death or a critical/long term illness.

We can ensure you have the correct cover in place to ensure your family and/or business are protected including mortgage protection, income protection, business protection, critical illness cover and private medical care.

Life Assurance plans typically have no cash in value at any time and cover will cease at the end of term. If premiums stop, then cover will lapse.

Retirement Planning & Pension

Whatever age you are at its never too early, or too late, to start planning for the lifestyle you would like when you retire.

In an environment of frequently changing legislation organising your retirement expectations can be a confusing and complex task, we are here to guide you every step of the way.

We provide help and advice on all aspects of building towards retirement, including personal pensions, stakeholder pensions, SIPP's and work place pensions.

Once you get to your chosen retirement age, we can help you plan and maximise your income using flexi-access drawdown, guaranteed annuities or combination of these.

A pension is not normally accessible until 55 (57 from April 2028). Your capital is at risk. The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available.

Investment Planning

Whether you are looking to invest for income, growth, or both, we can help you make informed decisions about diverse range of investment products available to you.

Taking into account your personal circumstances, tax status, capacity for loss and attitude towards risk, we can assist you in selecting an investment strategy that is right for your own personal goals.

We advise on a broad range of investments from ISA’s, General Investment Accounts, bonds, trusts, to Inheritance Tax Planning.

Our experienced team of advisers can produce bespoke investment solutions that are suited to your requirements and objectives. There are a number of thorough procedures that we follow in order to achieve this.

Your capital is at risk. The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested. Investments should be considered over the longer term and should fit in with your overall attitude to risk and financial circumstances.

Tax & Estate Planning

Estate planning revolves around how you'll pass on your wealth before and after you die. It involves creating a Will and mapping out who gets what and when.

Estate planning isn't just sensible for your finances, but also for your peace of mind. It will help you feel at ease knowing that your financial affairs are taken care of in the event of your death. Plus, with a solid plan in place before you die, you can start putting plans in place to reduce your inheritance tax (IHT) bill or by passing on your wealth and reducing your inheritance tax (IHT) bill.

We can help you create a plan to pass on your wealth before you pass away. We can also help you use things like trusts and IHT rules to help you pass on your wealth tax-efficiently.

Tax rules can and do change, and sometimes it can be hard to understand how they apply to you. We can help you unravel everything and make sure you're using the rules to your advantage without stepping over the line.

The Financial Conduct Authority does not regulate Inheritance Tax Planning.

CORPORATE

Business Protection

Business protection is an insurance contract that helps protect a business from the financial effects of key people being diagnosed with a critical illness or dying.

Business protection is available for partnerships (including limited liability partnerships), shareholders, sole traders and key employees.

How the arrangement is set up will depend on the type of business and its particular needs.

Life Assurance plans typically have no cash in value at any time and cover will cease at the end of term. If premiums stop, then cover will lapse.

Retirement Planning & Pension

With the recent emphasis that has been placed on pensions and automatic enrolment, it is a particularly important time to consider and understand measures you and your employer can put in place. Here at Maple Financial, we can provide professional advice on pensions, and can translate any complicated technicalities into plain English to ensure you make the right financial choices. Having the right pension plan in place will significantly improve the enjoyment of your retirement, and our experienced team can provide you with impartial advice on all types of pension.

A pension is not normally accessible until 55 (57 from April 2028). Your capital is at risk. The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available.

Automatic Enrolment

Due to the savings gap and the lack of sufficient retirement planning, the government has introduced a scheme that will ensure at least 8% of an employee’s salary is put towards their retirement pension plan. This is funded by 5% from the employee, and 3% by the employee.

Workplace pensions are arranged by you as an employer and help your employees to save for their retirement. You as the employer place a percentage of the employee’s salary into a pension scheme, and it is now a legal requirement for employers and employees to contribute to pension schemes if:

  • Employees work in the UK
  • Are aged between 22 and state pension age
  • Earn over £10,000 a year

Workplace pensions are regulated by The Pensions Regulator

Ongoing Services

The ongoing management of any plan is the most important aspect in ensuring that the strategy continues to deliver its intended aims. Regular reviews should be conducted to assess any modifications that are required because of changes in tax legislation, risk profile or personal objectives or circumstances. These could be face to face, over the phone or via electronic media such as e-mail. Set out below are the detailed elements for the indicative levels of ongoing service that we deliver to our clients.

Strategic Wealth Management Service

Every 6 months you will be invited for a financial review, this review can be conducted face to face, by electronic media such as e-mail & teleconference or by post in the form of a portfolio report during this review. This service is for those wanting a more hands on and regular reviews.

Core Financial Planning Service

Every year clients will be invited for a full financial review, this review can be conducted face to face, by electronic media such as e-mail & teleconference or by post in the form of a portfolio report during this review.

Please note during reviews the services undertaken may differ from one review to another because not all clients' needs and objectives are alike or constant e.g. for a client retiring is likely to follow quite a different review format from one year to the next.

At a review, we typically cover:

  • Assessment of personal circumstances
  • Review of your goals & objectives
  • Reassessment of your attitude to investment risk/return & market sectors (asset allocation)
  • Review of investment performance & holdings
  • Valuations & investment commentary
  • Where appropriate, recommendations in order to keep your new / existing plans in line with your objectives
  • Provide you with a written suitability report

Client Testimonials

A very positive experience. I feel much more confident about my financial position. Thank you Dave for being so patient and explaining things so clearly.

Nicola - Newark

Dave always takes the time to listen to your needs & tries to get the bigger picture.

Gary - Doncaster

Dave has always been very clear with all the advice given.

David - Gloucester

Advice and process involved was explained clearly and comprehensively from beginning to end.

Brian - Sheffield

David was friendly and easy to talk to, and talked with us on what we wanted to do and what he could put together to reflect our expectations.

We had an amount that we were investing, and through Dave Atkinson, he gave us the best advice. on how.

We have used David for both pension and financial inheritance services and are thoroughly that he has given solid, financial advice and service.

David was friendly and easy to talk to, and talked with us on what we wanted to do and what he could put together to reflect our expectations.

Wendy & Kerry - Mansfield

Contact Us

Parking is available in the council car parks behind the office.

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Maple Financial is a trading name of Lyncombe Consultants Ltd is authorised and regulated by the Financial Conduct Authority. Lyncombe Consultants Ltd is entered on the Financial Services register under reference number 618025.

Lyncombe Consultants Limited is registered in England and Wales with company number 06030940. Registered office is at Brookdale Centre, Manchester Road, Knutsford, WA16 0SR.

The information contained within this website is subject to the UK regulatory regime and therefore restricted to consumers based in the UK.

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 https://www.financial-ombudsman.org.uk/.

18a The Square,
Retford, Nottinghamshire DN22 6DQ

01777 802803
info@maple-financial.co.uk

Maple Financial is a trading name of Lyncombe Consultants Ltd is authorised and regulated by the Financial Conduct Authority. Lyncombe Consultants Ltd is entered on the Financial Services register (FCA) under reference number 618025.