Business Details
14 Years
experience
Independent Financial Advisers in Folkestone
Established in April 2012 by Andrew and Sheila Parmenter, Forward Plan is an independent financial advisory firm dedicated to providing tailored financial solutions for individuals, families, and businesses. Our fee-based model ensures unbiased advice focused on clients' unique circumstances, with transparent pricing communicated upfront. We specialise in pensions, mortgages, cashflow planning, insurance, equity release, and long-term care, combining over 25 years of industry experience with SOLLA accreditation for later-life financial planning.Our approach prioritises jargon-free communication, annual reviews of investment performance, and a commitment to ethical practices. Client testimonials highlight our expertise in mortgage applications, investment stewardship, and long-term financial planning, supported by a team of qualified professionals including a Level 4 Diploma holder in financial planning. Regulated by the Financial Conduct Authority, we maintain rigorous compliance standards while offering accessible consultations through our Folkestone office and online webinars.
Services
Pensions
Mortgages
Cashflow Planning
Insurance
Equity Release
Long Term Care
Divorce Planning
Business Protection
Financial Healthchecks
Webinars
Details
- Year established: 2012
Highlights and features
- Established in 2012 with over 25 years of combined industry experience
- Transparent fee structure communicated before any work commences
- Jargon-free, ethical financial advice tailored to individual circumstances
- Annual investment performance reviews included in service offering
- SOLLA accredited for specialist later-life financial planning expertise
Associations and certifications
- Financial Conduct Authority
- Society of Later Life Advisers (SOLLA)
What people say
Excellent stewardship
Financial guidance over 15 years
Easy and worry free process
Always had our interests at heart
Helped plan financially within our means
Services
Pensions
Our pension planning services cover pre-retirement strategy, retirement income optimisation, and post-retirement reviews. We help clients build retirement assets through tax-efficient vehicles while ensuring compliance with regulatory standards. Our expertise includes SIPP management, annuity purchases, and enhanced retirement income strategies tailored to individual circumstances.
Mortgages
We provide comprehensive mortgage advice for home purchases, remortgaging, and investment properties. Our services include market analysis, affordability assessments, and fee structure transparency with minimum application fees starting at 800. We specialise in navigating complex lender criteria to secure competitive rates while explaining associated risks including repossession possibilities.
Cashflow Planning
Using CashCalc software, we create visual financial forecasts to help clients understand income-expenditure dynamics. Our cashflow planning identifies potential shortfalls, supports major life decisions, and simulates scenarios like market crashes. This interactive process includes regular reviews to maintain alignment with evolving financial goals.
Equity Release
We advise on lifetime mortgages and home reversion schemes for clients seeking to release property equity. Our guidance covers interest compounding mechanisms, tax implications, and estate planning considerations. We explain how these products affect state benefit entitlements while ensuring clients understand the irreversible nature of equity release decisions.
Business Protection
Our business protection services include key person insurance, partnership/shareholder protection, and relevant life policies. We help businesses mitigate financial risks from unexpected events through tailored insurance solutions. This includes advising on tax-efficient structures and ensuring continuity during ownership transitions or critical illness scenarios.
People
Andrew Parmenter
Director
With over 25 years' experience, Andrew is a SOLLA-accredited financial adviser specialising in later-life planning. He holds the Diploma in Financial Planning (Level 4) and leads client consultations while maintaining professional standards across the firm.
Sheila Parmenter
Director
As company bookkeeper and administrator, Sheila manages financial operations and office management. With extensive experience in financial services administration, she ensures operational efficiency while maintaining client confidentiality.
Kerren Scales
Paraplanner
Kerren has worked in financial services for over 30 years, supporting Andrew with technical analysis and maintaining professional standards. She holds the Level 4 Diploma in Financial Planning and specialises in creating compliant documentation for client recommendations.
Questions
What financial services do you specialise in?
We specialise in pensions, mortgages, cashflow planning, insurance, equity release, long-term care planning, divorce financial planning, and business protection services.
Are you regulated by any financial authorities?
Yes, we are directly authorised and regulated by the Financial Conduct Authority (FCA) under registration number 572891.
How do you charge for your financial advice?
We operate a transparent fee-based model with charges communicated before work commences, including minimum fees of £800 for mortgage advice and £750 for divorce-related financial planning.
Do you offer free initial consultations?
Yes, we provide no-obligation consultations to discuss your financial requirements and determine how we can best support your financial objectives.
What areas do you cover?
Based in Folkestone, Kent, we serve clients throughout the UK with both in-person meetings at our Civic Centre office and online consultations.
Can you help with later-life financial planning?
Yes, we have a SOLLA-accredited adviser specialising in later-life financial needs, including equity release, long-term care funding, and retirement income optimisation.
