Business Details
Independent Financial Advisers in Plymouth
Coast Financial is a dedicated independent financial advisory firm based in Plymouth, Devon, serving clients across Devon, Cornwall, and the South Hams. Established to provide a holistic approach to financial planning, we prioritise building long-term relationships with individuals and businesses, both in the UK and internationally. Our team of fully qualified professionals specialises in whole-of-market advice, offering tailored solutions in savings, investments, mortgages, equity release, pensions, and business protection. Regulated by the Financial Conduct Authority (FCA), we ensure compliance with the highest industry standards while delivering clear, jargon-free guidance.With expertise in agricultural and commercial finance, we combine technical knowledge with a client-centric ethos to enhance financial well-being. Our services are designed to address both immediate needs and long-term goals, from retirement planning to inheritance tax mitigation, ensuring clients retain control over their financial futures. Transparency and trust underpin our operations, with fees structured on either a commission or fixed-fee basis. As an FCA-authorised firm, we adhere to rigorous regulatory requirements, providing access to the Financial Ombudsman Service and Financial Services Compensation Scheme for added client security.
Services
Financial Planning
Mortgage Advice
Equity Release
Pensions Advisory
Business Protection
Investment Management
Highlights and features
- We are FCA-regulated for compliance and client protection.
- Offering whole-of-market advice across 6 key financial areas.
- Specialist expertise in agricultural and commercial finance.
- Transparent fee structures with commission or fixed-fee options.
- 20+ years combined experience in independent financial advisory services.
Associations and certifications
- Financial Conduct Authority
Services
Financial Planning
We create comprehensive financial plans addressing retirement, inheritance tax, and long-term wealth management. Our FCA-regulated advisers assess your current financial status, risk tolerance, and future goals to develop tailored strategies. Services include pension reviews, investment portfolio management, and estate planning, ensuring alignment with evolving personal and market conditions.
Mortgage Advice
Our whole-of-market mortgage advisory service covers residential, commercial, and development finance. We compare products from all providers to secure competitive rates for first-time buyers, remortgagers, and property investors. Specialist areas include mortgage prisoner solutions and later-life borrowing options, with clear explanations of associated risks and benefits.
Equity Release
As Equity Release Council members, we provide regulated advice on lifetime mortgages and home reversion schemes. We explain tax implications, inheritance impacts, and alternative options like downsizing. Our process includes eligibility assessments, product comparisons, and guidance on using released funds for retirement income or care costs.
Pensions Advisory
We offer independent advice on personal pensions, stakeholder schemes, and workplace pension arrangements. Our services cover contribution optimisation, investment selection, and retirement income strategies including annuities and drawdown options. We explain tax relief mechanisms and help clients navigate pension freedoms introduced since 2015.
Business Protection
We design protection strategies for businesses including key person insurance, shareholder agreements, and loan protection policies. Our solutions address continuity risks from death, critical illness, or long-term disability of key personnel. We also advise on relevant life cover schemes with tax-deductible premiums for business owners.
Questions
What areas do you cover?
We primarily serve Devon, Cornwall, and the South Hams from our Plymouth office, with clients across the UK.
Are you regulated by the FCA?
Yes, we are authorised and regulated by the Financial Conduct Authority (Firm Number: 782715).
What financial products do you advise on?
We offer whole-of-market advice on pensions, mortgages, equity release, investments, and business protection.
How are your fees structured?
We operate on either a commission basis or fixed-fee structure, with full transparency on costs.
Can you help with retirement planning?
Yes, we specialise in retirement income strategies, pension consolidation, and tax-efficient withdrawal plans.
Do you offer business financial advice?
We provide corporate services including business protection, loan security, and workplace pension schemes.
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