Business Details
11 Years
experience
Your Trusted Partner for Lifetime Financial Planning
Established in 2015, we are an independent financial advisory firm dedicated to placing clients at the heart of every decision. Our award-winning approach focuses on constructing personalized Lifetime Financial Plans tailored to individual spending habits and resources. With a team boasting decades of combined experience in financial services, including Chartered Financial Planners and specialists in portfolio management, we offer holistic advice covering retirement planning, tax efficiency, and intergenerational wealth management.Our commitment to client-first principles has earned us recognition from the Financial Conduct Authority and industry accolades. We provide ongoing care through annual reviews and 24/7 online access to investment portfolios, ensuring clients remain on track to achieve their financial goals while navigating changing economic landscapes.
Services
Lifetime Financial Planning
Portfolio Management
Ongoing Advice Service
Estate Planning
Tax Efficiency Strategies
Details
- Year established: 2015
Highlights and features
- We offer 20+ years of combined experience in financial services with Chartered status
- Our client-first approach prioritizes individual needs over corporate targets
- Award-winning Ongoing Care service with 24/7 portfolio access
- Specialized in holistic lifetime financial planning with tax efficiency strategies
- Proven track record in managing intergenerational wealth transfer
Associations and certifications
- Financial Conduct Authority
- Chartered Insurance Institute
Services
Lifetime Financial Planning
We create personalized financial roadmaps based on current spending habits and future goals. Our approach calculates 'how much is enough' for retirement while considering changing economic conditions. Plans include risk management, capital preservation, and tax efficiency strategies tailored to individual circumstances.
Portfolio Management
Our managed portfolio solutions adapt to evolving market conditions and client needs. Services include diversification strategies, performance monitoring, and monthly updates. We offer 24/7 online access to investment portfolios with regular rebalancing to maintain alignment with financial objectives.
Ongoing Advice Service
We provide continuous financial guidance through annual plan reviews and market volatility assessments. This service ensures clients remain on track with retirement goals while adapting to life changes, regulatory updates, and shifting economic environments.
Estate Planning
Our intergenerational wealth management covers inheritance tax planning and family financial protection. We help clients structure their assets to ensure smooth wealth transfer while minimizing tax liabilities and maintaining family financial security.
Tax Efficiency Strategies
We develop customized strategies to minimize tax exposure throughout different life stages. Services include retirement tax planning, investment structuring, and guidance on tax-efficient wealth preservation methods.
People
Graham Kilkelly
Director & Chartered Financial Planner
With 25 years' experience in financial services, Graham achieved Chartered status in 2015. He specializes in retirement planning and portfolio management, combining technical expertise with a client-focused approach to financial advice.
Paul Hayden Jones
Director & Chartered Financial Planner
Bringing 30 years' industry experience, Paul focuses on strategic financial planning and client relationship management. His expertise spans banking, building societies, and national advisory firms, with a commitment to personalized service.
Martin Jones
Administration Support Manager
Martin has 25 years' experience in financial administration, providing critical support to advisors and clients. His background includes roles in banking and IFA practices, ensuring efficient delivery of financial services.
Dan Jones
Mortgage Adviser
A qualified mortgage adviser with CII certifications, Dan specializes in UK-wide mortgage solutions. He combines technical knowledge with clear communication to simplify complex financial products for clients.
Lillie Parker
Technical Support Adviser
Lillie provides technical support while studying for Chartered Insurance Institute qualifications. Her background in tennis coaching brings discipline and attention to detail to financial planning processes.
Questions
What is a Lifetime Financial Plan?
A personalized financial roadmap calculating 'how much is enough' for retirement, considering current spending habits, risk tolerance, and changing life circumstances.
How do you ensure my investments remain suitable?
Through regular portfolio reviews, market condition assessments, and annual plan updates to maintain alignment with your evolving financial goals and risk profile.
What makes your service different from large advisory firms?
We prioritize client needs over corporate targets, offering personalized advice without conflicts of interest from product sales or volume-driven incentives.
Do you provide ongoing support after initial planning?
Yes, our Ongoing Advice Service includes annual reviews, market volatility management, and 24/7 online portfolio access to maintain financial plan effectiveness.
How do you handle tax efficiency in financial planning?
We develop strategies to minimize tax exposure through retirement planning, investment structuring, and inheritance tax mitigation techniques tailored to individual circumstances.
