Business Details
Your Trusted Financial Partner on the South Coast
Firmitas Financial Services is a face-to-face financial planning service based on the South Coast, dedicated to providing clear, client-centric advice tailored to individual life stages and goals. With a team of experienced financial and mortgage advisers, we specialise in retirement planning, investment management, tax efficiency, and protection strategies. Our approach combines cashflow forecasting software with personalised guidance to help clients grow, manage, and protect their wealth.As a Partner Practice of St. James's Place Wealth Management, we adhere to rigorous regulatory standards under the Financial Conduct Authority. Trusted by over 1,800 clients to manage 320 million in investments, our focus remains on translating business success into personal financial security while maintaining transparency and ethical practices.
Services
Retirement planning
Investment management
Mortgage advice
Tax efficiency strategies
Estate planning
Protection policies
Equity release
Family financial planning
Business financial planning
Highlights and features
- We offer face-to-face financial advice tailored to your life stage and goals
- Our cashflow forecasting software visualises your financial future with precision
- Team includes FCA-authorised advisers with decades of combined experience
- Client-centric approach prioritising transparency and ethical practices
- Specialise in aligning business success with personal financial security
Associations and certifications
- Financial Conduct Authority (FCA)
- St. James's Place Wealth Management plc
What people say
Clear financial advice
Personalised service
Expert team
Effective retirement planning
Trustworthy
Services
Retirement Planning
Create tailored strategies for your golden years, ensuring financial security through diversified investments and tax-efficient withdrawals. Our advisers help maximise pension pots while minimising risks. Combines cashflow forecasting with market analysis to build sustainable retirement income plans.
Investment Management
Grow your capital through customised portfolios aligned with risk tolerance and financial goals. Utilise St. James's Place funds with regular performance reviews. Focuses on long-term growth through diversified asset allocation and market timing strategies.
Mortgage Advice
Provide guidance for first-time buyers, remortgaging, or property investment. Compare products across the market to find competitive rates. Specialise in helping clients navigate complex mortgage scenarios while considering broader financial objectives.
Tax Efficiency Planning
Implement strategies to legally minimise tax liabilities through ISAs, pensions, and inheritance tax planning. Review income streams for optimal tax positioning. Focuses on preserving wealth through legitimate tax reliefs and allowances.
Protection Policies
Secure income protection, life insurance, and critical illness cover to safeguard against unexpected events. Tailor policies to family needs and financial commitments. Ensures financial stability during career interruptions or health crises.
People
Ben Larkin
Director
With over 15 years in financial services, Ben leads Firmitas Financial Services's strategic direction while maintaining hands-on client relationships. Specialises in complex retirement planning and business succession strategies.
Celeste Harris
Financial Adviser
Certified financial planner with expertise in family financial strategies. Helps clients build intergenerational wealth through education funding and estate planning solutions.
Hayley Tutton
Mortgage Adviser
Specialist in residential and buy-to-let mortgages with 12 years' experience. Assists first-time buyers and property investors in securing optimal financing solutions.
Michael Triggs
Financial Adviser
Focuses on high-net-worth individuals, providing tax-efficient investment structures and inheritance planning. Holds advanced qualifications in pension transfers and offshore investments.
Julie Taylor-Kreft
Mortgage Adviser
Expert in complex mortgage cases including self-employed applicants and adverse credit histories. Committed to making homeownership accessible through tailored solutions.
Questions
Are you regulated by the Financial Conduct Authority?
Yes, we're an Appointed Representative of St. James's Place Wealth Management, authorised and regulated by the Financial Conduct Authority (FCA).
How do you tailor financial plans to individual needs?
We use cashflow forecasting software combined with face-to-face consultations to create bespoke strategies aligned with your life goals and risk tolerance.
What investment options do you offer?
We provide access to St. James's Place funds with varying risk profiles, from capital preservation to growth-oriented portfolios across global markets.
Do you help first-time property buyers?
Yes, we specialise in first-time buyer mortgages, offering guidance on deposits, affordability, and government schemes like Help to Buy.
How are your advisers compensated?
We operate on a transparent fee structure with initial consultations free of charge. Adviser compensation aligns with client outcomes, not product sales.
Can you assist with business financial planning?
Yes, we help business owners structure tax-efficient income, plan succession, and translate business success into personal wealth.
