Business Details
15 Years
experience
Chartered 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 independent financial planning firm in Grimsby holding Chartered status from the Chartered Insurance Institute, we prioritise understanding what matters most to our clients. Our team works face-to-face with individuals, couples, and business owners across Grimsby, Cleethorpes, and the surrounding areas, offering clear, jargon-free advice tailored to long-term goals. With over 15 years of combined experience, our Chartered Financial Planners specialise in pensions, investments, and retirement planning, ensuring clients feel confident and in control of their financial futures. We operate under strict independence, directly authorised by the Financial Conduct Authority, allowing us to recommend solutions best suited to individual needs without product provider ties. Our client-centric approach has fostered long-term relationships, with most clients coming through word of mouth and staying for years. We believe financial advice should be ethical, thoroughly explained, and focused entirely on client priorities, providing peace of mind through comprehensive planning and ongoing support.
Services
Pension Planning
Investment Advice
Retirement Strategies
Tax Efficiency
Estate Planning
Details
- Year established: 2011
- Employees: 3
Highlights and features
- We are the only CII Chartered Financial Planning firm in Grimsby
- Fully independent and FCA-regulated for unbiased advice
- Face-to-face consultations with no pressure or jargon
- Specialised expertise in retirement, investment, and business planning
- 5-star client satisfaction based on verified reviews
Associations and certifications
- Chartered Insurance Institute
- Financial Conduct Authority
What people say
Exceptional staff
Clear explanations
Confident decisions
Excellent service
Peace of mind
Services
Pension Planning
We specialise in comprehensive pension planning, helping clients understand their current provisions and optimise retirement savings. Our advice covers workplace pensions, personal pensions, and self-invested personal pensions (SIPPs). By analysing your financial situation and retirement goals, we create strategies to maximise tax efficiency and ensure adequate income during retirement.
Investment Advice
Our investment strategies focus on risk-appropriate portfolio management tailored to individual financial objectives. We assess risk tolerance, time horizons, and financial goals to construct diversified investment plans. Regular reviews ensure portfolios remain aligned with market conditions and client needs, aiming for steady growth while minimising unnecessary risks.
Tax Efficiency
We identify tax-saving opportunities across pensions, investments, and estate planning. Our strategies include utilising annual allowances, tax-efficient wrappers like ISAs, and inheritance tax mitigation techniques. By integrating tax planning with overall financial strategies, we help clients retain more of their wealth while remaining compliant with HMRC regulations.
Estate Planning
Our estate planning services ensure your assets are distributed according to your wishes while minimising inheritance tax liabilities. We collaborate with legal professionals to create wills, lasting powers of attorney, and trust structures. This planning provides peace of mind that your legacy will be preserved and transferred efficiently to beneficiaries.
Business Protection
We help business owners implement protection strategies against key person risks and succession challenges. Solutions include shareholder agreements, key man insurance, and buy-to-let mortgage structures. These measures ensure business continuity during unexpected events while protecting personal and corporate assets for long-term stability.
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, bringing nearly two decades of financial services experience. As Grimsby's only female Chartered Independent Financial Planner, she specialises in retirement and pension planning, helping clients answer critical questions about their financial futures.
Raymond Kirk
Chairman
Founder of Evolve Wealth with over 30 years in financial planning, Raymond now guides the firm's long-term vision. Holding Chartered Financial Planner status, he has assisted hundreds of clients with retirement strategies, investments, and business protection while maintaining high service standards.
Samantha Kilday
Paraplanner
Sam has been part of Evolve Wealth since 2016, supporting clients with research and tailored recommendations. Her international experience and attention to detail ensure a smooth financial planning process, focusing on clear communication and client-centric solutions.
Lacey Burgess
Paraplanner
Lacey joined Evolve Wealth in 2023, quickly becoming integral to ongoing planning reviews and business owner support. Her proactive approach ensures recommendations align with clients' long-term goals, maintaining accuracy and clarity in all financial documentation.
Questions
Are you truly independent financial advisers?
Yes, we are fully independent and directly authorised by the FCA. This means we can recommend any product across the entire market without restrictions or sales targets.
How do you charge for financial advice?
We operate a transparent charging structure with no hidden fees. Our charges are clearly explained during initial consultations, and we offer both one-off advice and ongoing support options.
Can you help with business owner financial planning?
Yes, we specialise in supporting business owners with tax-efficient strategies, pension integration, and succession planning tailored to both personal and corporate financial goals.
What makes Chartered status important?
Chartered status from the CII demonstrates our commitment to professional standards, ongoing development, and ethical financial planning practices that prioritise client interests.
How often do you review financial plans?
We conduct regular reviews to ensure your plan remains aligned with changing circumstances. The frequency is tailored to individual needs, typically annually or biannually.
Do you offer digital financial management tools?
Yes, we provide access to the Evolve Wealth Personal Financial Portal for tracking investments, pensions, and financial goals with secure, real-time updates.