Business Details
16 Years
experience
Trusted Financial Planning in Grimsby
Evolve Wealth was founded in 2010 with a commitment to delivering financial advice that is personal, transparent, and focused on improving lives. As the only CII Chartered Financial Planning firm in Grimsby, we combine independence with rigorous professional standards to act solely in our clients' best interests. Our team of qualified experts specialises in pensions, investments, and retirement planning, offering face-to-face advice tailored to individual and business client needs. With over 15 years of combined experience, we prioritise long-term relationships built on trust, ensuring clients receive clear, jargon-free guidance.Our Chartered status reflects our dedication to ethical practices, continuous development, and market-leading expertise. We serve individuals, couples, and business owners across Grimsby, Cleethorpes, and surrounding areas, with 90% of clients acquired through referrals. Our process includes comprehensive financial reviews, customised strategies, and ongoing support to adapt plans as life evolves. Client feedback drives continuous improvement, evidenced by our 5-star rating from 33 reviews. We operate under FCA authorisation (reference 529665) and maintain strict compliance with regulatory standards.
Services
Pension Planning
Investment Advice
Retirement Strategies
Tax Efficiency
Estate Planning
Details
- Year established: 2010
Highlights and features
- We are the only CII Chartered Financial Planning firm in Grimsby
- Fully independent and FCA-authorised with no product provider ties
- Face-to-face advice tailored to local market needs
- 90% of clients come through referrals and stay long-term
- 33 five-star reviews highlighting exceptional client service
Associations and certifications
- Chartered Insurance Institute (CII)
What people say
Exceptional service
Clear communication
Confidence-building advice
Personalised approach
Professional expertise
Services
Pension Planning
We specialise in comprehensive pension reviews and optimisation strategies. Our advisers help clients understand their pension values, tax efficiencies, and retirement income options. By consolidating multiple pensions and implementing tailored growth strategies, we ensure clients maximise their retirement savings while minimising unnecessary risks.
Investment Advice
Our investment approach focuses on risk-appropriate strategies aligned with individual goals. We create diversified portfolios using tried-and-tested methods, prioritising capital preservation and steady growth. Regular reviews ensure investments remain aligned with changing circumstances, market conditions, and evolving financial objectives.
Tax Efficiency
We identify legitimate tax-saving opportunities across pensions, investments, and estate planning. Our strategies optimise tax allowances, reduce liabilities, and maximise after-tax returns. This includes pension contribution planning, capital gains tax mitigation, and inheritance tax-efficient structures for wealth preservation.
Estate Planning
Our estate planning services ensure assets pass to intended beneficiaries efficiently. We coordinate wills, lasting powers of attorney, and trust structures to minimise inheritance tax while respecting clients' wishes. This includes business succession planning and intergenerational wealth transfer strategies.
Business Protection
We help business owners safeguard against financial risks through key person insurance, shareholder protection, and income replacement policies. These strategies ensure business continuity during unexpected events while protecting personal financial security tied to business assets.
People
Joe Kirk
Financial Planner
Joe joined Evolve Wealth in 2014 as an apprentice and now specialises in complex financial planning for business owners and retirees. With a technical focus, he simplifies financial concepts and delivers practical advice through cash flow planning and personalised guidance.
Donna Moore
Chartered Financial Planner
Donna joined Evolve Wealth in 2016 after a banking and insurance career. As Grimsby's only female Chartered Independent Financial Planner, she specialises in retirement planning, helping clients answer critical questions about pension readiness and sustainable income strategies.
Raymond Kirk
Chairman
Founder Raymond established Evolve Wealth in 2010 and now guides its strategic vision. With over 30 years' experience, he earned Chartered status and focuses on maintaining high client service standards while mentoring the next generation of advisers.
Samantha Kilday
Paraplanner
Sam joined Evolve Wealth in 2016, bringing international experience from Malta. As a qualified Paraplanner, she conducts detailed research and prepares tailored recommendations, ensuring clients receive accurate, well-documented financial planning advice.
Lacey Burgess
Paraplanner
Lacey joined the team in 2023 and quickly became integral to ongoing planning reviews. She supports business owners with customised financial plans, maintaining meticulous attention to detail while ensuring recommendations align with long-term client objectives.
Questions
What financial services do you specialise in?
We specialise in pensions, investments, retirement planning, tax efficiency strategies, and estate planning for individuals and business owners.
Are you independent financial advisers?
Yes, we are fully independent and FCA-authorised, allowing us to recommend solutions from the entire market without product provider ties.
How do you charge for your services?
We provide transparent fee structures during initial consultations, with no hidden charges. Most clients benefit from ongoing service packages without additional hourly fees.
What areas do you cover?
We primarily serve Grimsby, Cleethorpes, and surrounding North East Lincolnshire areas, with some remote advisory capabilities for UK-based clients.
How often do you review financial plans?
We conduct annual reviews as standard, with additional check-ins available for significant life changes or market developments affecting your financial strategy.
What makes you different from other advisers?
As Grimsby's only CII Chartered firm, we combine local expertise with rigorous professional standards, prioritising long-term relationships over transactional interactions.
