Business Details
13 Years
experience
Independent Financial Advisers in Kent
London & County Financial Advisors is a specialist financial services firm established in 2013 and incorporated in 2016. Our team combines over three decades of collective experience in financial planning, offering independent, whole-of-market advice tailored to individual client needs. We specialise in pensions, mortgages, equity release, estate planning, protection, and wealth management, with a focus on creating flexible strategies that evolve alongside client circumstances. Our approach prioritises comprehensive cash flow modelling and technology-driven solutions to deliver precise financial strategies. With offices in Chatham, Ramsgate, and London, we provide face-to-face, telephone, and video consultation options for client convenience.As an appointed representative of 2plan Wealth Management Ltd (FCA-regulated), we maintain strict compliance with financial regulations while offering access to the entire market. Our team includes qualified professionals with diverse expertise, including legal backgrounds in property law and specialist mortgage qualifications. We serve clients at all life stages, from first-time homebuyers to those planning retirement, with a commitment to unbiased advice and long-term client relationships. Our operational history demonstrates consistent growth and client retention through personalised service delivery. We maintain transparency in all client interactions and adhere to strict ethical standards in financial advisory practices.
Services
Retirement Planning
Family Protection
Mortgage Advice
Wealth Management
Equity Release
Pension Transfers
Estate Planning
Investment Strategies
School Fees Planning
Legacy Creation
Details
- Year established: 2013
Highlights and features
- We offer 28 years of combined experience in financial services through our principal advisor
- Our team includes qualified mortgage advisors with legal expertise in property law
- We provide access to whole-of-market financial products and independent advice
- Our cash flow modelling technology enables precise, data-driven financial strategies
- We operate from three convenient locations across Kent and London
Associations and certifications
- Financial Conduct Authority
What people say
Expert guidance
Personalised approach
Comprehensive advice
Professional team
Flexible solutions
Services
Retirement Planning
Our retirement planning service helps clients maximise pension savings and create tax-efficient income streams. We develop comprehensive strategies tailored to individual lifestyle goals, considering state pensions, private schemes, and investment portfolios. With expertise in pension transfers and tax-efficient withdrawals, we help clients achieve financial security in their retirement years while maintaining flexibility for changing circumstances.
Family Protection
We provide bespoke protection insurance solutions to safeguard families against financial hardship. Our services include life insurance, critical illness cover, and income protection policies tailored to individual family needs. We help clients understand different policy types and create appropriate coverage levels to protect mortgages, dependants, and business interests while considering tax implications and future needs.
Mortgage Advice
Our mortgage advisory service covers first-time purchases, remortgaging, buy-to-let investments, and equity release solutions. We assess clients' financial situations to recommend suitable mortgage products across the entire market. We provide guidance on interest rate options, affordability assessments, and long-term property investment strategies while considering clients' broader financial objectives.
Wealth Management
We help clients grow and preserve wealth through strategic investment planning and cash flow modelling. Our services include portfolio diversification, tax-efficient investing, and regular savings strategies tailored to risk profiles and financial goals. We monitor market conditions and adjust strategies to maintain alignment with clients' evolving circumstances and long-term wealth accumulation objectives.
Equity Release
Our equity release service helps homeowners access property wealth without selling their homes. We explain lifetime mortgage options and home reversion plans, considering clients' retirement income needs and inheritance goals. We provide detailed illustrations of interest rate implications and alternative funding sources while ensuring compliance with FCA regulations and clients' overall financial planning strategies.
People
Rob Winter
Principal Financial Advisor
With 28 years' experience, Rob founded London & County Financial Advisors in 2013. His independent approach ensures comprehensive, whole-of-market advice tailored to client needs. He specialises in complex financial planning cases and maintains professional qualifications in pensions and investment management.
Charlotte Winter
Operations Manager
Charlotte combines legal expertise from property law practice with financial services experience. Qualified in mortgage advice and equity release, she manages insurance administration and pension reviews. Her background ensures thorough compliance with regulatory requirements and client documentation standards.
Julian Milner
Chairman and Non Executive Director
Julian brings extensive wealth management experience from founding Sigma Asset Management. He provides strategic direction while maintaining connections in financial services and property development. His industry insights help shape the firm's long-term client proposition and business development strategy.
Omar Elassri
Mortgage Administrator
Qualified mortgage advisor with estate agency experience, Omar provides personalised property finance solutions. His client-focused approach helps navigate mortgage complexities, ensuring recommendations align with individual circumstances and long-term financial goals.
Connie Bradley
Office Manager
With banking and accounting experience, Connie manages pension administration and ensures operational efficiency. Her attention to detail maintains accurate client records and supports smooth service delivery across the firm's financial advisory offerings.
Questions
What financial planning services do you offer?
We provide retirement planning, mortgage advice, wealth management, family protection, equity release, and school fees planning services tailored to individual client needs.
How do you charge for financial advice?
Our fees vary by service complexity. We provide transparent cost information before starting work, with options for fixed fees or percentage-based charges depending on the service.
Can you help with first-time homebuyer mortgages?
Yes, we specialise in mortgage advice for first-time buyers, including government schemes, affordability assessments, and long-term property investment strategies.
Are you regulated by the Financial Conduct Authority?
Yes, we're an appointed representative of 2plan Wealth Management Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA number 594743).
Do you offer online financial planning tools?
We use advanced cash flow modelling software to create visual financial plans, helping clients understand different scenarios and make informed decisions about their financial future.
How often should I review my financial plan?
We recommend annual reviews or whenever significant life changes occur. Our ongoing support ensures your financial plan remains aligned with evolving personal circumstances and market conditions.
