Business Details
28 Years
experience
Trusted Financial Advisers in Kent
Established in 1998, we provide independent financial advice to individuals and businesses, helping clients achieve their financial goals through tailored solutions. Our team combines decades of experience with a commitment to transparency and client-centric service. We specialise in financial planning, protection, mortgages, pensions, and investment strategies. Regulated by the Financial Conduct Authority since 2014, we maintain full independence to ensure unbiased recommendations. Our advisers hold advanced qualifications, including Diplomas in Investment Planning and Regulated Financial Planning.We pride ourselves on treating every client with fairness, promptly addressing their needs while adapting plans to life changes. With access to the entire financial market, we identify optimal solutions aligned with individual circumstances. Our approach focuses on building long-term relationships through trust, expertise, and a deep understanding of clients' aspirations.
Services
Protection
Mortgages
Savings and Investments
Pensions
Wills and Trusts
Details
- Year established: 1998
Highlights and features
- Established in 1998 with FCA regulation since 2014
- Team holds advanced qualifications including Dip IP and Dip PFS
- Personalised service treating clients as we would wish to be treated
- Access to entire financial market for unbiased recommendations
- Specialise in adapting plans during significant life changes
Associations and certifications
- Financial Conduct Authority
Services
Protection
We provide comprehensive protection solutions tailored to individual needs. Our services include life insurance, critical illness cover, and income protection policies. With access to the entire market, we identify optimal protection strategies that align with clients' financial goals and personal circumstances.
Mortgages
Our mortgage advisory service covers residential and buy-to-let financing options. We offer guidance on fixed-rate, tracker, and flexible mortgage products. As independent advisers, we source competitive rates from across the market to suit clients' property investment objectives.
Savings and Investments
We develop bespoke savings and investment strategies for short, medium, and long-term goals. Our services include ISAs, unit trusts, and portfolio management solutions. We focus on risk-appropriate investments that balance growth potential with capital preservation.
Pensions
Our pension planning covers workplace, personal, and self-invested pensions. We provide consolidation advice and retirement income strategies. We help clients maximise tax-efficient savings while ensuring adequate income for their post-work years.
Wills and Trusts
We offer guidance on creating Wills and establishing trusts to manage inheritance effectively. Our services ensure clients' wishes are legally documented while minimising inheritance tax liabilities. We work with legal professionals to implement comprehensive estate planning solutions.
People
Paul Jefcoate
Partner
Certified member of the Personal Finance Society with a Diploma in Investment Planning. Partner since 1998, providing financial advice to individuals and businesses for over 30 years. Specialises in investment strategies and retirement planning.
Darryl Bradford
Junior Partner
Certified mortgage and protection specialist with the CeMap qualification. Joined in 2003, became junior partner in 2017. Focuses on residential and buy-to-let mortgage solutions while managing protection insurance requirements for clients.
Clive Merritt
Associate
Diploma holder in Regulated Financial Planning. Original partner since 1998, now operating as associate. Provides specialist advice on pensions and investment planning with over 35 years' experience in the financial services industry.
Questions
What financial services do you offer?
We provide financial planning, protection insurance, mortgage advice, pensions guidance, and investment solutions for individuals and businesses.
Are you regulated by the Financial Conduct Authority?
Yes, we have been directly authorised by the FCA since 1 October 2014 under registration number 627747.
What areas do you serve?
Based in Ashford, Kent, we serve clients throughout the UK with both in-person and digital advisory services available.
How do you handle client complaints?
Contact us directly via phone or email to resolve issues. If unresolved, you may refer complaints to the Financial Ombudsman Service using their contact details provided in our documentation.
