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| S4 Financial:

Where wealth meets wisdom

Bespoke financial planning solutions centred on cashflow modelling

| About us

We are a boutique wealth management firm based in the beautiful village of Hartley Wintney, Hampshire. Established in 2004, we offer bespoke wealth management solutions with a strong focus on cashflow modelling to affluent and high-net-worth clients in our local community and surrounding areas and beyond. 


Affluent and high-net-worth covers a range of people from those who are comfortably off and can afford to save money every month, through to people who – in addition to their home – have considerable investable assets.

| Our approach

When it comes to your wealth, we understand that certainty is key. That is why we believe in providing our clients with the data they need to make key financial decisions about their wealth with confidence. Our approach has cashflow modelling at its heart, so that you understand what you need to do with your money today to achieve your objectives for tomorrow.

| Your home life

You have worked hard to build your wealth; we are here to ensure it works just as hard for you. By working in partnership with our financial advisers, you can enjoy full peace of mind knowing that your wealth and assets are in the best possible position to support your life goals.


Whether you are looking to finance your children’s education, protect your family from financial shocks, or ensure you have a pension pot that will support your desired lifestyle in retirement, S4 Financial will be on hand with tailored advice, recommendations and solutions to help turn your dreams into reality.

| Your business

The years of hard work and dedication you have put into your business means that you know it better than anyone else. You likely also know how easy it is to get so caught up in the day-to-day running of your business that there never seems to be time to think about the financial side of things.


With smart financial planning, your business can not only provide you with an income; it can also be used to mitigate your tax liability, fund your ideal retirement, protect your family’s lifestyle and provide a lasting legacy for future generations.

| Cashflow modelling

Cashflow modelling is a scientific approach to financial planning that uses data about your current financial situation to forecast what your future finances might look like according to a range of scenarios.


Together with your financial adviser, a cashflow model will enable you to make key decisions based on realistic future scenarios and identify and plan for future financial challenges before they become a reality.

| Contact us

Should you wish to book a consultation with an adviser to see how we can help you grow, maintain and preserve your wealth for a prosperous future, please do get in touch.

| Client reviews

He is always on hand to answer questions and has seen us through the highs and lows of the past 10 years.
I've had the professional pleasure of working with Steven since the inception of S4 Financial in 2004. His advice and guidance has been practical and specifically tailored to our needs.
I have worked with Steven now for over 10 years, the advice he has given has always been forward thinking, practical and tailored to my requirements.
I have had the pleasure of dealing with Steven, his colleagues and clients at S4 Financial over the last decade. Through my dealings with his clients, I am aware that he is held in high esteem by them for his expertise.
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