Business Details
We have been providing independent financial advice in Sevenoaks since 2007. Our founder brings nearly two decades of experience as a qualified IFA. Since becoming CA Financial Services Ltd in 2018 we have operated as a fully independent adviser, free from product bias. We specialise in serving clients with investable assets above 500,000, delivering sophisticated wealth planning. Our holistic approach integrates pensions, investments, tax strategies, lifetime mortgages, wills and estate planning under one coordinated plan. We assist retirees, families, business owners, divorcing individuals and inheritance recipients to achieve their financial goals.
Our legacy planning service reduces inheritance tax exposure and safeguards assets for future generations. For business owners we design taxefficient profit extraction, corporate pensions and succession strategies. We adhere to the highest professional standards set by the FCA and maintain continuous professional development. We pride ourselves on transparent communication, detailed documentation and regular portfolio reviews. Our commitment is to grow, protect and transfer wealth efficiently, ensuring client satisfaction at every stage.
Our legacy planning service reduces inheritance tax exposure and safeguards assets for future generations. For business owners we design taxefficient profit extraction, corporate pensions and succession strategies. We adhere to the highest professional standards set by the FCA and maintain continuous professional development. We pride ourselves on transparent communication, detailed documentation and regular portfolio reviews. Our commitment is to grow, protect and transfer wealth efficiently, ensuring client satisfaction at every stage.
Highlights and features
- We have nearly two decades of financial advisory experience.
- Our independent status ensures unbiased recommendations.
- We specialise in clients with assets exceeding 500,000.
- We provide holistic wealth, tax and legacy planning.
- We consistently receive excellent client satisfaction reviews.
Services
Retirement Planning
Our retirement planning service assists individuals preparing to transition from work to a financially secure retirement. We evaluate pension pots, state benefits and personal savings to design a withdrawal strategy that maximises income while minimising tax liabilities. Clients benefit from clear timelines, regular reviews and confidence that their longterm lifestyle goals are financially supported.
Lifetime Mortgages
We guide borrowers through lifetime mortgage solutions that release equity whilst allowing them to remain in their home. Our analysis covers interest rates, repayment options and eligibility criteria to ensure the product aligns with the clients cashflow needs. Clients receive transparent documentation, ongoing support and peace of mind that their residence remains protected.
Pension Annuity Advice
Our pension annuity advice helps retirees convert pension savings into a reliable income stream for life. We compare annuity rates, guarantee periods and tax implications to recommend the most suitable product. The result is a predictable cash flow that supports clients budgeting and legacy objectives.
Estate and Inheritance Tax Planning
We specialise in estate and inheritance tax planning to preserve wealth across generations. Our service evaluates assets, identifies reliefs and structures trusts to minimise tax exposure while respecting client wishes. Clients benefit from reduced tax bills, protected assets and a clear succession roadmap.
Private Medical Insurance
Our private medical insurance offering provides tailored health cover for individuals and families seeking faster, specialist treatment. We assess health needs, compare policies and advise on premiums, exclusions and claim processes for optimal value. Clients gain peace of mind knowing they have immediate access to quality care without NHS waiting times.
