Business Details
16 Years
experience
Your Trusted Chartered Financial Advisers in Grimsby
Evolve Wealth was founded in 2010 with a commitment to delivering personal, transparent financial advice focused on improving lives. As the only CII Chartered Financial Planning firm in Grimsby, we combine professional qualifications with a client-first approach, offering face-to-face pension, investment, and retirement planning services. Our team works closely with individuals, couples, and business owners across Grimsby, Cleethorpes, and surrounding areas, building long-term relationships through clear communication and tailored strategies. With Chartered status from the Chartered Insurance Institute, we uphold rigorous professional standards while maintaining independence directly authorised by the Financial Conduct Authority.Our process begins with understanding client goals, followed by comprehensive financial analysis, strategic planning, and ongoing reviews to ensure plans adapt to changing circumstances. Client satisfaction is central to our operations, evidenced by annual feedback surveys and consistent five-star reviews highlighting our expertise in tax-efficient strategies, investment growth, and retirement planning. We prioritise transparency, avoiding industry jargon to ensure clients fully understand their financial options and decisions.
Services
Pensions Advice
Investment Planning
Retirement Planning
Tax Efficiency Strategies
Estate Planning
Business Financial Planning
Protection Planning
Wealth Management
Inheritance Tax Planning
Ongoing Financial Reviews
Details
- Year established: 2010
Highlights and features
- We are the only CII Chartered Financial Planning firm in Grimsby
- Our advice is independent and directly authorised by the FCA
- We offer face-to-face consultations with no pressure or jargon
- Specialised focus on retirement, investment, and business planning
- Rated 5 stars by clients for exceptional service
Associations and certifications
- Chartered Insurance Institute (CII)
- Financial Conduct Authority (FCA)
What people say
Professional and friendly
Exceeded expectations
Personalized approach
Exceptional support
Highly recommend
Services
Retirement Planning
Our retirement planning service helps clients understand their pension options and create sustainable income strategies. We analyse current provisions, assess retirement goals, and develop tax-efficient withdrawal plans tailored to individual circumstances. With specialist expertise in pension consolidation and income optimisation, we ensure clients can retire with confidence while minimising tax liabilities.
Investment Planning
We create diversified investment portfolios aligned with clients' risk profiles and financial objectives. Our approach focuses on steady growth through carefully selected funds while maintaining appropriate risk levels. Regular portfolio reviews ensure investments remain aligned with changing market conditions and personal circumstances, helping clients grow wealth effectively over time.
Tax Efficiency Strategies
Our tax planning service identifies legitimate opportunities to reduce tax liabilities across pensions, investments, and estate planning. We implement strategies using available allowances and exemptions to maximise after-tax returns. This includes optimising pension contributions, investment structures, and inheritance tax mitigation techniques tailored to each client's specific situation.
Business Financial Planning
We support business owners with integrated financial strategies covering company pensions, tax efficiency, succession planning, and personal wealth management. Our services include director pension schemes, business protection, and exit strategy planning to align commercial and personal financial goals while ensuring continuity.
Estate Planning
Our estate planning service ensures clients' assets are distributed according to their wishes while minimising inheritance tax. We coordinate wills, trusts, and tax mitigation strategies with input from legal professionals. This comprehensive approach protects family wealth and facilitates smooth intergenerational transfers while maintaining compliance with current legislation.
People
Joe Kirk
Financial Planner
Joe specialises in complex financial planning for business owners and retirees. With technical expertise since joining Evolve Wealth in 2014, he delivers clear advice using cash flow planning to help clients achieve financial confidence and long-term security.
Donna Moore
Chartered Financial Planner
As Grimsby's only female Chartered Independent Financial Planner, Donna specialises in retirement and pension planning. With banking and insurance experience since 2016, she helps clients answer critical retirement questions with clarity and confidence.
Raymond Kirk
Chairman
With over 30 years' experience, Raymond founded Evolve Wealth and maintains oversight of service standards. His expertise in pensions and business protection continues to shape the firm's commitment to independent, face-to-face financial planning.
Samantha Kilday
Paraplanner
Sam supports financial planning with detailed research and tailored recommendations. Her international experience since 2016 ensures accurate analysis and clear documentation throughout the planning process.
Lacey Burgess
Paraplanner
Lacey provides essential support for business owners' financial plans and ongoing reviews. Her attention to detail since joining in 2023 ensures recommendations align precisely with clients' long-term objectives.
Questions
What financial services does Evolve Wealth offer?
We specialise in pensions, investments, retirement planning, tax efficiency strategies, estate planning, and business financial planning, with tailored advice for individual and business clients.
Why choose Chartered Financial Planning status?
Chartered status demonstrates our commitment to professional standards, ethics, and ongoing development, ensuring clients receive carefully considered advice in their best interests.
How does Evolve Wealth's planning process work?
Our process includes initial consultation, detailed financial discovery, strategy development, formal recommendations, implementation, and regular reviews to adapt to changing circumstances.
Which areas do you serve?
We operate from Grimsby and serve clients across Cleethorpes, North East Lincolnshire, and surrounding areas with face-to-face financial planning services.
How are fees structured for financial advice?
We provide transparent fee structures during initial consultations, with ongoing service charges covering comprehensive advice and support without additional hourly fees.
What client feedback have you received?
Clients consistently highlight our professional approach, clear explanations, and successful outcomes in pension growth, tax efficiency, and retirement confidence through annual satisfaction surveys.
