Keith Relf BA (Hons), Cert PFS



Keith worked for several major Life Offices throughout his early Financial Services career and says that he owes his start ‘proper’ to a chap who is unfortunately no longer with us – Howard Robinson. “Howard taught me how to always take the long term view and treat all clients, no matter how much wealth they have, with equal care.”

Keith has now taken the step away from giving regulated independent financial advice and concentrates his full-time efforts on making HSCFS and Pembroke even more effective and visible organisations. Keith says “I am conscious however to maintain the client relationships built over the past 23 years, as these are the foundation of our future growth.”

Keith chairs the Pembroke Investment Committee and is sole oversight of the Ethical portfolio and co-oversight, with Keith Bonner, of the Retirement Income portfolio.

Outside of work Keith enjoys watching sport; jaguars (…the cars not the cats!), eating out and family.

  • 2006 to present: Director, Hilton Sharp & Clarke Financial Services.
  • 1993 to present: Pembroke Financial Services Ltd.
  • 1980 to 1993: Various Consultant positions with Clerical Medical, Royal Sun Alliance and Norwich Union followed by brief stints as Independent Financial Adviser with W T Fry and Bainton Smith in Worthing.
  • 1976 to 1980: Reading University.


23 Years Investments
20 Years Pensions
10 Years Mortgages
20 Years Taxation
20 Years Insurance
The HSCFS Wealth Management Team