Business Details
28 Years
experience
Independent Financial Advisers in Kent
Established in 1998, we provide independent financial advice to individuals and businesses across Kent and beyond. Our team of experienced professionals, including Paul Jefcoate and Darryl Bradford, holds advanced qualifications such as the Diploma in Investment Planning and CeMap certification. Regulated by the Financial Conduct Authority since 2014, we prioritise client needs through tailored financial strategies that adapt to life's changing circumstances. We maintain a commitment to transparency, treating every client with fairness and promptness while offering access to the full financial market.Our approach focuses on identifying personal goals, creating actionable plans, and delivering straightforward recommendations. With decades of combined experience dating back to the 1980s, we combine industry expertise with a personal touch. Our services span protection, mortgages, pensions, and estate planning, supported by digital tools for modern client convenience. We maintain strict independence to avoid external influences on our advice. Clients benefit from our proven track record of helping individuals and businesses achieve financial objectives through customised solutions.
Services
Protection
Mortgages
Savings and Investments
Pensions
Wills and Trusts
Details
- Year established: 1998
Highlights and features
- Established in 1998 with 25+ years of financial advisory experience
- Regulated by the Financial Conduct Authority for professional standards
- Tailored financial solutions adapted to individual life changes
- Access to the entire financial market for comprehensive options
- Team holds advanced qualifications including Diploma in Investment Planning
Associations and certifications
- Financial Conduct Authority
What people say
Professional service
Tailored financial solutions
Experienced advisers
Clear communication
Long-term planning expertise
Services
Financial Planning
We create tailored financial strategies to help clients achieve their life goals. Our approach identifies short, medium and long-term objectives, then develops actionable plans to meet them. With access to the full financial market, we recommend solutions that adapt to changing circumstances while maintaining regulatory compliance.
Mortgage Advice
Our CeMap-certified specialists provide comprehensive mortgage guidance tailored to individual circumstances. We analyse market options to find competitive rates and suitable terms for residential and buy-to-let properties. Our advice considers long-term affordability alongside immediate needs while explaining all associated costs clearly.
Pension Planning
We help clients prepare for financial security in retirement through comprehensive pension strategies. Our advice covers workplace pensions, personal pensions, and self-invested options. We assess current provisions, recommend improvements, and ensure plans remain aligned with changing regulations and personal circumstances over time.
Protection
We provide tailored protection solutions to safeguard clients' financial wellbeing. Our advice covers life insurance, critical illness cover, and income protection policies. We assess individual needs based on family circumstances, financial commitments, and long-term goals to recommend appropriate coverage levels and policy types.
Wills and Trusts
Our specialists help clients create comprehensive estate plans to manage their assets effectively. We provide guidance on will writing, trust creation, and inheritance tax planning. Our approach ensures clients' wishes are clearly documented while minimising potential tax liabilities and family disputes.
People
Paul Jefcoate
Partner
Certified financial planner with over 30 years' experience since 1980s. Holds Diploma in Investment Planning. Leads client relationships and strategic financial planning.
Darryl Bradford
Junior Partner
Mortgage and protection specialist since 2003. CeMap qualified with expertise in residential and buy-to-let mortgage solutions. Joined partnership in 2017.
Clive Merritt
Associate
Experienced financial adviser since 1980s. Holds Diploma in Regulated Financial Planning. Continues client service as associate after stepping down as partner in 2017.
Questions
What financial services do you offer?
We provide financial planning, mortgage advice, pension planning, protection insurance, and estate planning services tailored to individual needs.
Are you regulated by the Financial Conduct Authority?
Yes, we've been regulated by the FCA since October 2014 with registration number 627747.
How do you charge for your services?
Our fees vary by service type. We provide transparent pricing details during initial consultations before any commitment.
Can you help with mortgage applications?
Yes, our CeMap-certified specialists provide comprehensive mortgage advice for residential and buy-to-let properties.
What areas do you cover?
Based in Ashford, Kent, we serve clients throughout Kent and surrounding regions with both in-person and digital services.
