Business Details
Independent Financial Advisers in Plymouth
Coast Financial is an independent financial advisory firm dedicated to providing holistic financial planning solutions tailored to individual and corporate clients. Established in Plymouth, Devon, we specialise in offering whole-of-market advice across a range of services including mortgages, equity release, pensions, investments, and business protection. Our team of fully qualified professionals brings extensive experience in agricultural and commercial finance, ensuring clients receive unbiased recommendations aligned with their long-term financial goals.As an authorised and regulated firm by the Financial Conduct Authority (FCA), we prioritise transparency, client education, and compliance with industry standards. Our approach focuses on building enduring relationships through clear communication, with all advice delivered in plain, accessible English. We operate on a fee or commission basis, guaranteeing flexibility to meet diverse client needs while maintaining a commitment to ethical practices and client-centric outcomes.
Services
Financial Planning
Mortgage Advice
Equity Release
Pensions
Business Protection
Investment Advisory
Life Insurance
Commercial Mortgages
Inheritance Tax Planning
Highlights and features
- We are fully qualified with experience in Agricultural and Commercial Finance.
- Our advice is regulated by the Financial Conduct Authority.
- We offer whole of market advice on a fee or commission basis.
- We provide financial advice in simple, plain English.
- Our team builds long-term relationships with clients in the UK and abroad.
Associations and certifications
- Financial Conduct Authority
Services
Financial Planning
We offer comprehensive financial planning to help clients achieve long-term goals through tailored strategies. Our services include retirement planning, tax-efficient investments, and estate management. With a focus on transparency and education, we ensure clients understand every aspect of their financial roadmap.
Equity Release
Our equity release specialists provide advice for homeowners aged 55+ seeking to unlock cash from their property. We explain lifetime mortgages and home reversion schemes, ensuring clients understand implications for inheritance and benefits. All recommendations meet Equity Release Council standards.
Mortgage Advice
We offer independent mortgage advice covering residential, commercial, and buy-to-let options. Our whole-of-market approach compares lenders to find competitive rates, with guidance on affordability, deposits, and repayment structures tailored to individual circumstances.
Pensions
Our pension services include stakeholder and personal pension advice, tax relief optimisation, and pre-retirement reviews. We help clients navigate annuity options, drawdown strategies, and inheritance planning to ensure financial security during retirement.
Business Protection
We provide business protection solutions including key person insurance, shareholder agreements, and loan protection. These services safeguard companies against financial risks from critical illness, death, or long-term incapacity of key personnel or partners.
Questions
What areas do you serve?
We primarily serve Devon, Cornwall, and the South Hams region, with clients across the UK.
Are you regulated by the FCA?
Yes, Coast Financial is authorised and regulated by the Financial Conduct Authority (FCA Firm Number: 782715).
What financial services do you offer?
We provide mortgages, equity release, pensions, business protection, investment advice, and inheritance tax planning.
Can I get advice on commercial mortgages?
Yes, we offer commercial mortgage advice tailored to business needs and development finance requirements.
Do you work with expatriates?
Yes, we provide financial advice to expatriates, including pension transfers and tax-efficient investments.
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