C J Financial, Independent Financial Advisers

Independent Financial Adviser  C J Financial, Ashford, Kent, TN23 3RT
First meeting at adviser's own cost
Taking the complexity out of financial planning.
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Equity release
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Accident & sickness
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Critical illness
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Healthcare
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Home and leisure
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Income protection insurance
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Life insurance
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Payment protection insurance
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Small business
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Estate planning
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Taxation planning
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Commercial mortgages
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Corporate pension
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Employee benefits
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Group private medical insurance
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Group risk
Response rating
7.0/10
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FCA authorised
Last authorised 24th February 2020
Meet our advisers
Colin Larkin DipPFS

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, lifetime mortgage products, repayment options and the giving of mortgage advice.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

What our clients say
“Thank you very much for all your help. From the first time I came into your office for advice I have been most impressed with both the quality of service and the advice you gave me. You took your time to explain all the various options in a clear and simple way. You were also very helpful when my solicitor was notoriously slow. I am more than happy to recommend you to my friends and family".
J H, Ashford
“With CJ financial I have always felt that I am dealing with people of integrity and even though we are in a period of considerable and ongoing market upheaval I have been reassured by the responsible, realistic and risk based advice and guidance that I have received”.
I M, Sanderstead
“The financial advice I have received from C. J. Financial over the past 5 years or so has been Professional and efficient together with a friendly response from the office staff makes dealing with C. J. Financial a pleasure .I have found that all the advice received has been very helpful and exceeded my expectations in many circumstances, especially the managing of my pension fund which has done very well considering the market volatility over recent years and has added considerable value to my fund. It is also reassuring to know that my pension fund is reviewed on a regular basis and any suggested changes discussed via email and quickly kept up to date. In all a very good company to deal with and I would definitely recommend to a friend”.
J B, Cornwall
“I have been a client of Colin’s for many years and have always been very impressed by his knowledge,friendliness, professionalism and efficiency. He regularly monitors my financial affairs giving timely advice to ensure I receive the best returns on my investments. The level of service and attention to detail means that I can relax, safe in the knowledge, that I have a professional handling my financial affairs”.
J F, Sevenoaks
"Colin Larkin DipPFS of C J Financial has been my financial advisor for more than 10 years; a period in which my family circumstances changed many times. I have very much appreciated his understanding of this and of his ability in matching his advice to my needs. I particularly like The Investment Review Service he offers which ensures my investments do not stagnate and are appropriate to today's challenging times. I find the attitude of Mr Larkin and the staff of C J Financial professional, friendly and helpful at all times and I am very happy to trust them with my investments".
B H, Dartford
“I have been a client of CJ Financial for many years and have watched my initial investment grow into a good portfolio. The friendliness and efficiency of the small team provides for a personal service which has been specifically tailored to my needs. In times of heightened financial risk it is reassuring to be provided with the regular Pension and Investment Review updates. I can now look forward to a comfortable retirement knowing that everything possible is being done to ensure my savings and investments are being actively managed to gain the maximum return for me”.
J M, Sanderstead
“I was impressed and reassured by the thoroughness and overall professional manner in which Colin dealt with my in laws and their financial needs”.
C H, Ashford
“Just to thank you very much for all your professional help in securing the end result with XXX. It was a long haul but with your splendid advice and the expertise of the Financial Ombudsman Service the outcome is very satisfactory”.
A K, Waltham Abbey
“We strongly recommend Colin Larkin as a Financial Advisor. He has shown us every consideration,especially a calm reasoned outlook regarding our investments. We appreciated his clear clarification of matters over which we had little previous experience. You can be assured of an excellent advisor”.
R H, Ashford
“In the past my wife and I had been disappointed with the advice of financial advisers and hadn't used them for some years. Approximately ten years ago we were strongly recommended to try CJ Financial and from the outset we found the staff to be friendly, efficient and very professional. Our initial needs were for a private pension scheme and ISA advice. The careful and extensive research offered by CJ Financial and resultant choices of investments have added value and exceeded our expectations. We are members of the Pension & Investment Review Service and we have full confidence in the quality of the financial advice we are receiving. This enables us to go forward with a real sense of security”.
G H, Ashford
About us

CJ Financial provides Independent Financial Advice to both individuals and companies in all areas of financial planning. Meetings are by appointment and can be held at our office near Waitrose in Ashford, your home address, place of business, or other convenient location. Initial meetings are held without cost or obligation and give you a chance to meet us before deciding whether you wish to engage us as your independent advisers.

C J Financial are growing by recommendation.

Our services

Our Investment and Pension review services have for many years been at the forefront of our financial planning solutions and provide our clients with the sleep at night factor. We regularly review our client’s portfolios and financial arrangements to ensure that they remain on track to meet objectives. We have wide experience in all areas of financial planning and use modern computer based tools to plan and give clients an insight into their financial future. Ask for a copy of our client testimonial records to see for yourself what clients are saying about C J Financial.

Where to find us

C J Financial, Repton Manor, Repton Avenue, Kent, Ashford, TN23 3GP

Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 24th February 2020

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