Direct Financial Planning Uk Ltd

Independent Financial Adviser  2a Galleon Way, Frindsbury extra, Kent, ME2 4GX
First meeting at adviser's own cost
We offer creative solutions which are sensitive to clients existing arrangements and overall financial objectives.
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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Buy my next home
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Buy to let
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Buying first home
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Equity release
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Flexible mortgages
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Next home / Remortgaging
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Right to buy
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Self-employed mortgages
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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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Income protection insurance
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Life insurance
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Payment protection insurance
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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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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Long term care
Response rating
7.0/10
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FCA authorised
Last authorised 23rd March 2020
Meet our advisers
Philip Cross
Ifa

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

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.

This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

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

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

This examination assessed knowledge and understanding of income generating options and applying the knowledge to retirement planning situations.

This examination assessed knowledge and understanding of the range of investments available for planning of pensions and to be able to apply the construction of a pension portfolio management for a client.

This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

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.

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

This examination assesses a knowledge and understanding of financial protection plans.

This examination assesses a knowledge and understanding of investment products and the risks involved.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.

Accreditations
Chartered Financial Planner
What our clients say
I was approaching retirement and needed to review best options for a severance package and pension pot. Though discussion on my aims and objectives we developed a portfolio which secured best value from my pension / severance package. This has secured my long term goals for my financial future. We also set up an Inheritance Trust which secures finances for our family. As a married couple we are in the place we had hoped to be, the advice and guidance over the past years has given us added confidence for the future. Personally I feel we have had the best service that could have been provided, all meetings have been constructive and all correspondence dealt with timely and appropriately
Mike Davies, Medway Towns
I realised I had a passive IFA and in view of my pending early retirement I needed to find a more 'tuned-in' IFA. Philip completely reorganised my investments and pensions which resulted in a boost to income and investment returns. I have been very satisfied with the outcome. Obviously Philip can not control the direction of markets but he does extremely well in providing the protection on investments that suits me and my attitude to risk across a number of products. Philip is always following up to ensure continuity and not shy in suggesting a little tweaking if he feels I would benefit in the long term. This is a quality I had not experienced prior to signing up with Phil. I don't believe there is anything additional he could do to improve the service.
Cliff Hanson, Chistlehurst
I first used Phil for a Will - that was in 1988 ! He has been a trusted and reliable source of knowledge that has since secured my future financial planning. I have a sound investment portfolio that has diversified my risk but also has been an exciting path to follow. Phil has helped me understand what areas I can invest in and taken decisions that I understand. He has since helped me set up a company Pension scheme, and invest in 5 buy to let properties with competitive mortgages. He always speaks in a language I can understand. I have a sound future financial investment and good insurances and protected in IHT. I am very happy with the service and level of support I get from Phil - I can always contact him and get instant great advice
Julie Anderson, Maidstone
Planning for my future. He has helped me to identify the level of income required at my chosen retirement date and suggested ways of achieving that. I found the graphs he produced particularly useful that could be adjusted to cover various eventualities. Getting there. Although they may well be I am always nervous that my investment placements are not checked on a regular basis. Some reassurance on this point would be appreciated.
Isobel Brett, Gravesend
About us

With over 28 years experience Direct Financial Planning is to provide professional and impartial Independent Financial Advice, to individuals and businesses, helping plan a successful financial future in a challenging and changing world.

Initial consultations to establish your needs and objectives are provided at no cost.

Our services

At the core of what we do is what’s important to you, your money is an instrument that enables you to live the life you want, we aim to help you formulate a financial plan with scalable and achievable goals which gives you what you want when you want it, with three main goals:-

• Maximise profit
• Minimise tax
• Protect what's important to you

We appreciate that financial advice is a sensitive and important area; best results are achieved with a high level of understanding in respect of your objectives and aspirations.

Where to find us

2a Galleon Way, Lower Upnor, Rochester, Kent, Uk, ME2 4GX

Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£50,000
Minimum mortgage value
£125,000
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 23rd March 2020

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