Business Details
19 Years
experience
Your Trusted Financial Advisers in Launceston
The team at Kernow Financial Planning brings extensive experience in delivering tailored financial planning solutions to individuals, families, and businesses across Launceston and its surrounding areas. Our commitment lies in placing clients at the core of our operations, fostering long-term relationships through a deep understanding of individual needs and implementing bespoke financial strategies. We pride ourselves on our approachable team of advisers, who prioritise clarity and transparency in their guidance, ensuring clients receive jargon-free advice aligned with their unique objectives.With a focus on investments, pensions, mortgages, and protection, we aim to simplify complex financial decisions while maintaining a strong connection to the local community. Our directors, Paul and Louise, alongside mortgage and protection specialists Doug and Tom, combine decades of industry expertise to provide comprehensive support, whether clients are planning for retirement, securing property investments, or safeguarding their financial future. We operate under the authorisation and regulation of the Financial Conduct Authority, ensuring adherence to the highest professional standards.
Services
Protection
Pensions
Savings & Investments
Mortgages
Lifetime Mortgage
General Insurance
Details
- Year established: 2007
Highlights and features
- We offer over 15 years of local financial planning expertise
- Our tailored strategies address individual client needs and objectives
- Approachable team providing clear, jargon-free financial guidance
- Specialist knowledge in pensions, mortgages, and protection planning
- FCA-authorised with robust regulatory compliance standards
Associations and certifications
- Financial Conduct Authority
Services
Protection
Our protection services help safeguard your financial future against unforeseen events. We offer tailored insurance solutions including life cover, critical illness, and income protection. By assessing your personal circumstances, we ensure appropriate coverage levels to protect your family's financial security while maintaining affordability.
Pensions
We specialise in creating comprehensive pension strategies to ensure comfortable retirement. Our services include workplace pension reviews, self-invested personal pensions (SIPPs), and retirement income planning. We help clients maximise tax-efficient savings while developing sustainable income strategies for post-retirement life.
Mortgages
Our mortgage advisory service covers residential and buy-to-let financing solutions. We provide expert guidance on first-time purchases, remortgaging, and property investment strategies. With access to the whole market, we help clients secure competitive rates while considering long-term financial implications.
Lifetime Mortgage
We offer specialist advice on lifetime mortgages for older clients seeking to release equity from their homes. Our approach considers inheritance implications and alternative options while ensuring compliance with FCA regulations. We provide clear explanations of interest rate structures and lifetime financial impacts.
Savings & Investments
Our investment services cater to various risk profiles through diversified portfolio strategies. We offer ISAs, investment bonds, and discretionary fund management while maintaining transparent fee structures. We focus on long-term growth objectives aligned with clients' financial goals and risk tolerance levels.
People
Paul
Director and Independent Financial Adviser
With over 20 years in financial services, Paul established Kernow Financial Planning in 2007. He specialises in pensions, investments, and lifetime mortgages, maintaining long-term client relationships. He actively participates in local football as player and coach.
Louise
Director
Louise manages business operations and back-office support systems. She coordinates daily activities across all business areas while maintaining focus on client service standards. She actively supports local sports through family commitments.
Doug
Mortgage and Protection Adviser
A former teacher with local roots, Doug specialises in mortgage solutions and protection planning. He focuses on making property transactions smooth while safeguarding clients' lifestyles. He enjoys coastal activities and local football.
Tom
Mortgage and Protection Adviser
Transitioning from leisure management, Tom specialises in mortgage solutions after retraining during 2020. He combines financial expertise with family commitments, focusing on client satisfaction in property financing.
Questions
What financial services do you specialise in?
We specialise in pensions, mortgages, protection insurance, savings & investments, and lifetime mortgages, providing comprehensive financial planning solutions tailored to individual needs.
Are you regulated by any official body?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) under reference 942872, ensuring compliance with strict professional standards.
How do you approach financial planning?
We begin by understanding your current situation and financial objectives, then develop a tailored plan with clear explanations to help you make informed decisions.
Do you offer local community support?
Our team actively participates in local sports and community activities, maintaining strong connections with Launceston and surrounding areas through client relationships and sponsorships.
What areas do you cover?
We primarily serve Launceston and surrounding areas in Cornwall, with particular expertise in local property markets and community financial needs.
