We focus on you and your goals. Making your money work harder for you.We do things differently. It’s just the way we’re built.

Schedule a free discovery call with an independent financial advisor

“There is no ‘one size fits all’ method when it comes to planning your financial freedom.”

We believe that financial freedom looks different for everyone. And so does living a life of abundance.

It’s about security. Stability. The space to enjoy the simple pleasures in life, away from fear and restraints.

We’re here to help you discover what financial freedom means to you. We’ll work with you - as part of a trusted partnership - to map out how we can get you from where you are to where you want to be.

It’s all about building your wealth, your way.

Schedule a call with an independent Financial Advisor today

Offering you a unique blend of investment advice

Our goal is simple: improved returns and reduced volatility at an effective price point.

Our unique investment proposition offers you all the advantages of working with a small business with the power and resources of a bigger firm. Unlike pure discretionary management, we don’t outsource our investment decisions - it’s one of our key strengths.

As a small firm, our clients are more than just a number to us. Because your success is essential to ours, you can be sure your investments are perfectly aligned to help you reach your goals and dreams.


We work with a team of investment analysts who are amongst the best in the business. They monitor the markets, benchmark our investments, research funds, speak to fund managers and keep their finger on the pulse of the world economy.

You get the best of all worlds: the UK’s best investment brains with a dedicated team that looks at more than just the numbers and has always got your best interests at heart.

Our investment proposition: more for less

We pride ourselves on offering you value and quality when it comes to your investments.

Investment funds are much like consumer goods, sometimes you’ll pay more for known brands and better quality.

We are able to offer an incredible mix of proven investments at a competitive rate by shopping the whole market and using “generic” versions of popular funds.

This approach gives us the flexibility to save where we can and spend a little more on quality investments when it’s warranted, because, as we all know, sometimes you can get a bargain and other times, you really do get what you pay for.

Our bespoke mix of funds blends the best of the market with some little known funds offering you value for money and quality investments.


2020 is for you if...

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    You want one point of contact with a qualified financial expert (rather than tackling call centres, support emails and robot responses)

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    You’re tired of forceful, aggressive salesmen and are looking for a financial partner that genuinely cares about your success

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    You understand that in order to reach your goals, you need to be challenged, educated and *gently* pushed out of your comfort zone

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    You’ve been forced into a box far too many times and crave honest, personalised advice built purely around your life and circumstances

Our promise to you


Our prices are fair, and you’ll never have to worry about hidden fees or unexpected bills. We’re transparent and we’re competitive.


We pride ourselves on the agility & speed of service. We’ve never missed a deadline & we never will.


It's important to us that  you understand your investment decisions, what they mean and how to get the most out of your money.


We’re Independent , which means our advice has no limits. Because we're not tied: you can trust that everything we do is impartial and tailored to you.


Our exclusive digital investment platform allows you to access your investment plan and track your financial goals 24 hours a day, 7 days a week.

Hi I'm Simon Garber

I started 2020 Financial over 15 years ago with a vision for creating collaborative financial advice. I'm an Independent Financial Advisor and I'm also a qualified pension transfer specialist.

Our ethos is built on delivering high-quality, person-centred, tailored financial advice that helps you reach your financial goals.

I believe that your money should work for you and that we should work to live and not the other way around. With the right financial advice, I believe this can be possible for you.

Ready to welcome wealth into your future?Let’s talk about how we can maximise your pension investments and design a plan that works for you. No commitment. No pressure. Just honest, independent advice.

We’re passionate about pensions.

Nothing makes us happier than seeing you reach your future goals in a way that doesn’t compromise your present.

It’s an integral part of our philosophy. Life is for living, and while we want you to love every moment of your golden years, we would also never want your pension and investment plans to get in the way of the here and now. That’s why we get to know your lifestyle and commitments before giving you even a word of advice.

Your win is our win; and we want to enjoy those celebrations with you every step of the way.

The Pension Transfer Specialists

We are one of only 1521 firms qualified to offer Defined Benefit Pension Transfer advice in the whole of the UK*. We're specialists at what we do.

We pride ourselves on offering the highest quality advice when it comes to Defined Benefit Pension transfers, which is why we adhere to the pension transfer gold standards.

There's no outsourcing or middlemen, you'll always speak to our pension transfer specialist directly.

If you'd like to speak to an expert about your Defined Benefit pension, schedule a call with Simon today.

Client Testimonial

laura green yoga

"...he makes every simple, straightforward and easy to understand"

As a business director, I knew I should have a pension but was unsure of how to go about this. Simon has been supporting me for a few years now. He makes everything simple, straightforward and easy to understand. I would highly recommend Simon and 2020 Financial.

Laura Green


Here are just some of the names we work with