Wealth and Financial Planning
Building a plan around what you are trying to achieve, then keeping it under review. Savings and investments, retirement income options, and passing wealth on.
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Wealth, mortgages & protection
Financial advice is personal, and so is the way I look after you.
I am Marcela Barincova DipPFS, a financial adviser with Supreme Financial Solutions. Whether you are buying your first home, remortgaging, investing in property or protecting the people you love, I will explain your options clearly and support you from our first conversation through to completion.
Your first conversation is free and without obligation. I will listen to what you want to achieve, explain what may be possible and give you a clear idea of the next steps.
Part of The Openwork Partnership
One adviser from start to completion
Face to face, video or telephone
Meet Marcela
The adviser I wanted for myself
I came to the UK from Slovakia around 20 years ago, having studied Business Studies in my home country. When I was expecting my first child, I began thinking seriously about changing career. I wanted to build a profession that would allow me to support my family while still being present for the moments that mattered.
That decision led me into financial services, and I quickly discovered a genuine passion for protection advice. Helping people protect their families, income and future felt meaningful, and I knew I wanted to develop further. I continued expanding my knowledge and qualifications, moving into mortgage advice and, most recently, completing my Diploma in Finance.
My own experience of arranging protection was far from ideal. There was no personal connection or real effort to understand me. It felt like a quick quotation, a completed form and a job finished. I knew I wanted to offer something different.
For me, financial advice is not simply about arranging a product. It is about getting to know my clients, understanding what truly matters to them and building a relationship based on trust. I want people to feel comfortable asking questions and confident that they understand every recommendation.
Most importantly, my support does not disappear once a policy or mortgage has been arranged. I aim to stand beside my clients throughout their journey, from the first conversation to completion and beyond. If they ever need to make a claim, I will be there to help guide and support them at a time when they and their families may feel most vulnerable.
That is the adviser I wanted for myself, and it is the adviser I choose to be for my clients.
Marcela Barincova DipPFSFinancial adviser
Personal advice, national backing
One trusted adviser, with a strong team behind you
Marcela Barincova DipPFS will be your dedicated adviser and personal point of contact from your first conversation onwards. She will take the time to understand your circumstances, explain your options in plain language and guide you confidently through every stage, so you always know what is happening and who to contact.
While your relationship remains with Marcela, she is supported by the experienced team at Supreme Financial Solutions and the wider expertise and resources of The Openwork Partnership, one of the UK's largest and longest established financial advice businesses.
It gives you the best of both worlds: personal advice from someone who genuinely knows you, backed by the strength, professional standards and expertise of a respected national partnership.
Who we are
Tailored financial solutions to suit all needs.
Supreme Financial Solutions Ltd is a proud network of experienced, professional and talented individuals who strive to ensure the best possible customer experience. From mortgages to commercial insurance and income protection, we offer tailored financial solutions to suit all needs.
Whether you are looking for your first home or the peace of mind of knowing the right protection is in place, we will work with you to find the solution suited to your needs and help put you in control of your financial plans.
What we do
Three ways we can help
Advice across mortgages, protection and insurance, plus opportunities to build a career with us.
Mortgages
We offer advice on a range of mortgage services. If you are a first time buyer, looking to remortgage or perhaps expand your investments, we can help.
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Protection and Insurance
We can help you to get the right cover in place to protect you, your loved ones and your property should the unexpected happen.
Learn moreYOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Commercial Lending and most Buy to Let mortgages are not regulated by the Financial Conduct Authority.
How it works
Four steps, no surprises
You will always know what is happening, what we need from you and what comes next.
1 Step 1
Listen
A proper conversation about what you earn, what you owe and what you are trying to do. No forms until we understand the picture.
2 Step 2
Research
We work through the criteria against your circumstances and set out which options are realistically open to you.
3 Step 3
Recommend
A clear written recommendation setting out the product, the cost and the reasoning, so you can see why it was chosen.
4 Step 4
Complete
We handle the lender, the solicitor and the paperwork through to completion, and we tell you where things stand without being chased.
The Openwork Partnership
Backed by one of the UK's longest established advice networks.
We are part of The Openwork Partnership, one of the UK's largest and longest established financial advice and investment companies, a constant presence for over 45 years.
Every firm in the Partnership is individual and distinct, yet we share values and standards with each other for the benefit of our clients.
Reviews
What clients say
Recommendations left by clients on Facebook. Every review here was written by a real client and is reproduced as they wrote it.
★★★★★
I recommend Ms. Marcela Barincova, a financial adviser; she is a very honest and sincere person. Beyond her personal qualities, she demonstrates professional traits such as professionalism, integrity, and reliability. She is always ready to help and truly wants the best for her clients. I sincerely recommend her, she is someone well worth recommending.
Tomasz DabrowskiFacebook recommendation
★★★★★
If you want someone who truly offers the full package, life insurance, mortgage advice, and everything in between, Marcela is the one. She has been there for me through countless late night questions, always patient, always clear, always helpful. Every step was explained, every problem sorted. I honestly couldn't be more grateful. She's my go to person, and she should be yours too.
Katarina KubasiakovaFacebook recommendation
★★★★★
Finally, I too came to the conclusion that, given my age, it was high time to take out some accident and life insurance. To my surprise, I received a recommendation from a long time friend and it sounded so good that I contacted Ms. Marcela. Her approach to clients and her extensive knowledge of products stood out immediately.
Martin SobekFacebook recommendation
★★★★★
Marcela Barincova helped me find insurance tailored to my needs. She was very helpful and always ready to assist. It was an excellent experience and I can only recommend her services. Thank you.
Romana KnazovicovaFacebook recommendation, translated from Slovak
Why clients stay with us
What working with us actually looks like
One adviser, start to finish
You deal with the same person from the first conversation through to completion. Nothing gets handed to a processing team you have never spoken to.
The reasoning in writing
Every recommendation arrives with the thinking attached, so you can check it against your own judgement rather than take it on trust.
Compared on total cost
Arrangement fees, valuation costs and early repayment charges all change what a mortgage really costs. We compare across the deal period, not on the headline rate.
Backed by a national partnership
As part of The Openwork Partnership we work to the standards of one of the UK's largest and longest established advice networks.
Common questions
Things people ask us first
How much can I borrow?
Most lenders work to a multiple of income, commonly between four and five times, but affordability is assessed on your full picture including credit commitments, childcare and how the income is earned. Two lenders can reach very different answers on identical figures, which is why it pays to check before you offer on a property.
What does the first conversation involve?
We ask what you earn, what you owe and what you are trying to do. Nothing is submitted anywhere and there is no cost. You come away knowing what is realistic and what the next step would be.
How large a deposit do I need?
Five percent deposits are available to many buyers, though a larger deposit widens the choice of lender and usually improves the rate. We will show you the difference in cost between the tiers so you can judge whether waiting to save more is worth it.
Can you help if my credit history is not perfect?
Often, yes. Defaults, missed payments and past arrangements do not automatically rule you out. What matters is the type of event, how long ago it happened and what has changed since. Speak to us before applying anywhere, because declines leave a footprint that makes the next application harder.
How long does a mortgage application take?
From application to formal offer is commonly two to six weeks, though it varies by lender and by how quickly documents come back. Purchases then depend on the conveyancing and the chain, which is usually the longer part of the wait.
Do I have to come into an office?
No. Our advisers work face to face, by video call and by telephone, at whatever time suits you. If you would rather meet in person we can arrange that.
Let us look at your numbers.
A first conversation costs nothing and usually takes about twenty minutes. You will come away knowing what is realistic.