One Financial Solutions

Independent Financial Adviser Victoria Place, Tunbridge Wells, TN1 2SS
First meeting at adviser's own cost
Response rating
9.9 /10
FCA verified
19th August 2019
Daniel Karim - a 19 year love of listening to clients' financial aspirations/dreams, then making them a reality. Refreshingly different!
We can advise you on
    • Annuity purchase
    • Auto enrolment
    • Pension consolidation
    • Pension drawdown
    • Pensions review
    • Pensions transfer
    • Bad credit
    • Building your home
    • Buy to let
    • Buying commercial property
    • Buying first home
    • Equity release
    • Flexible mortgages
    • High loan to value
    • Next home / Remortgaging
    • Right to buy
    • Self-employed mortgages
    • Ethical investments
    • ISAs
    • Investing for income
    • Investment trusts
    • OEICs
    • Socially responsible investments
    • Lump sum
    • Regular savings
    • Accident & sickness
    • Critical illness
    • Healthcare
    • Income protection insurance
    • Life insurance
    • Payment protection insurance
    • Estate planning
    • EEA
    • Rest of world
    • Commercial mortgages
    • Employee benefits
    • Group pensions
    • Group protection
    • Long term care
Meet our advisers
Daniel Karim
Independent Financial Adviser
What our clients say
Daniel explained possible options and next steps really clearly. We're really glad that Daniel is going to be helping sorting out our pensions. 5 out of 5 stars.
Gerry, Maidstone
Daniel has struck the right balance between being proactive and responsive whilst also allowing time for things to percolate. There has been no urgency on the sell and we feel confident he will find the right product for us at the right time. 5 out of 5 stars.
Caroline, Tunbridge Wells
Very good thus far. 5 out of 5 stars.
Rob, Tunbridge Wells
In need to review the existing pension plans and other saving, so that we can improve our funds to meet our need for retirement. He help us to set a financial goal and understand our risk taking and consolidated two pension plans to improve the future performance and costing. Investing our cash ISA with low return to stock and share ISA to boost the return. We had seen the improvement already and look forward to the better future with his on going advise. Nothing at all that he could do better, he is doing more than we asked to do, ie he is going to try to help us to write a complaint for the delay of the transfer of our funds. 5 out of 5 stars for advice, service & value.
Kenny, Sussex
I WAS IN NEED OF FINANCIAL ADVICE & SOMEONE TO HELP ME WITH MY PENSIONS I HAVE BEEN A CLIENT OF DANIELS NOW FOR OVER A YEAR & HE HAS HELPED ME TO MAXIMISE MY PENSIONS I HAVE SEEN GOOD GROWTH WHICH IS VERY ENCOURAGING NOTHING REALLY THAT HE COULD HAVE DONE BETTER , DANIEL IS VERY ATTENTIVE 5 out of 5 stars for advice, service & value
Andrew, Sussex
I wanted to review our protection planning Daniel identified serious gaps in our current life insurance policies, and put in place recommendations to address these. He thoroughly reviewed the policies and highlighted shortfalls that were hidden within vague and complex terms. He found us policies that were better value in terms of comprehensive coverage and within our budget. He also chose policies which removes any ambiguity of cover in our minds. 5 out of 5 stars for advice, service & value.
Seema, Kent
I had various pensions that I had acrued over the years that I didn't fully understand. Daniel looked at each one individually and advised I would be much better to consolidate. I have only just transferred everything thing over but already I feel much more in control of my future finances. Nothing springs to mind as to what he could have done better. Daniel was clear and concise at every stage. He took me through the rationale of what you need to do and why. 5 out of 5 stars for advice, service & value.
Michael, London
We wanted a review of our current life insurance policies. Daniel found a serious gap on the main policy that had no critical illness cover. For the other policies we held, he Identified we were paying too much and just myself as the policy holder. We went through the options and now have a comprehensive critical illness + LI policy at a good rate. For the other policies we are now paying less with my wife included. Just proves there is a lot of mis-selling of life insurance in the industry, and there is a need for someone like Daniel to have your back. 5 out of 5 stars for advice, service & value.
Sheetal, Kent
Daniel identified serious gaps in our current life insurance policies, and put in place recommendations to address these. He thoroughly reviewed the policies and highlighted shortfalls that were hidden within vague and complex terms. He found us policies that were better value in terms of comprehensive coverage and within our budget. He also chose policies which removes any ambiguity of cover in our minds. 5 out of 5 stars for advice, service & value.
Seema, Tonbridge
I had a great deal more complexity to my finances following a divorce and setting up my own limited company in a short space of time. Daniel was very helpful with general advice about the structure of my finances and what would make sense for the near future as I plan to purchase a new home. I was also eager to install some income protection and insurance to ensure that my children are well protected in case of any unforeseen issues with my work or health. Daniel clearly presented a range of options for life and payment protection after diligently collecting the information he needed from me. I now have good policies in place and am happy that it was the correct outcome. 5 out of 5 stars for advice, service & value.
Sam, Tunbridge Wells
I had various pension pots spread over numerous schemes and was concerned about not having a full view of consolidated performance. I wanted to engage a financial to provide advice about consolidation and retirement planning. Daniel was good at explaining the steps needed for him to provide a review of my current situation and then proceed with a plan to move forward. The first step was to provide all the policy details i have with letters of authority, which allowed Daniel to fully investigate fund values and performances and then provide a detailed report of my current situation with a recommended approach. This was to consolidate as well as leaving some pots untouched, as he has found these to have unique benefits which the pension funds had not made me aware of. I am very pleased with the outcome, as my consolidated view that Daniel generated was larger than I had expected. Daniel has now transferred most of the appropriate pots into a consolidated fund, and already have gained some benefits almost immediately. 5 of of 5 stars for advice, service and value.
Sheetal, Kent
My husband was in need of pension advice. Daniel worked to ensure that we had the best possible chance of fulfilling our retirement dreams. A very approachable and genuine guy. Who’s enthusiasm was appreciated in our home. Very positive signs for the future. 5 out of 5 stars for advice, service & value.
Claire, West Sussex
I wished to determine if my retirement goals were realistic. Daniel quickly identified that my current pension fund was under performing. He talked me through my options and worked quickly and efficiently to implement the changes. Throughout the process I was kept informed and most importantly I felt confident that I had made the right choice not just for me but for my family. I had seen improvement within weeks. Nothing comes to mind, as to what he could do better. 5 stars out of 5 for advice, service and value.
Michael, Haywards Heath
I had several lump sums of money and a pension that I need to invest. Daniel formulated an impressive and unique, personal to my specific needs, portfolio for all the investments I had. Have I seen the outcome I was hoping for? Yes and more so. Only wish I had met Daniel many, many years ago. Difficult to say what he could have done better. Daniel is forever looking to improve my portfolio and I have seen only growth since day one, even in these tricky times. So nothing comes to mind as to how things could be improved. 5 out of 5 stars for service, advice & value
Liam, London
My husband needed to take early retirement because of my illness and Daniel helped by arranging for my husband his private pensions to be put into drawdown. I've seen the outcome we have been hoping for and Daniel was very kind and considerate to my predicament, a very good listener. 5 out of 5 stars for advice, service & value.
Carol, Kent
Over the years I have acquired a number of different pensions. Ideally I wanted to consolidate them into one, and also if possible make a saving on the charges. Daniel went through each of my pensions and identified that I would make savings on charges with the new investment strategy.The whole transfer process ran smoothly and Daniel was there to help at every step. My investment is showing healthy growth from the start Cannot think of anything he could have done better. I was happy with the service. 5 out of 5 stars for advice, service & value.
Mike, London
A determination to manage our finances more efficiently and define clearer long term financial goals. Daniel has ensured that he fully understands our financial needs and requirements and is clearly someone that is determined to work with his clients on a long term basis. He is clearly very knowledgable, thorough in his work, explains things in simple terms and has been willing to provide very detailed and quick responses to my ad-hoc questions. It has been a pleasure working with Daniel. Everything we have done so far has been aligned with our goals, clearly explained and processed efficiently and quickly. 4 stars out of 5 for advice; 5 out of 5 stars for service & value.
Liam, Tunbridge Wells
We was looking to move house, but unfortunately that didn't happen. Daniel helped me by arranging early retirement. I am now retired. Daniel couldn't do any better for me he was professional and caring. 5 out of 5 stars for advice, service & value.
Terence, Biggin Hill
We were looking for someone who can give us advice to provide improved growth of our finances. He explained how we can vastly improve our financial situation. He was patient and wanted to find out more about our long term financial goals. Very confident we will see a vastly improved financial position over the long term. 5 out of 5 stars for advice, service & value.
Seema, Tonbridge
I was wanting to get advice on my savings, pensions and investments, with a view of growing them further. Daniel was very keen to find out our about what we were wanting to achieve financially, and spent a lot of time talking through options and how he could help us achieve this by looking at the wider picture. I felt very confident that can help achieve our long terms goals. He spent a lot of time explaining technical financial terms in a simple way, and always at hand including late evenings to answer any questions. I am very excited to work with Daniel as the projections look great, within my risk appetite. I am very confident he will help me meet the goals that I want to achieve. The key is to have a 2 way conversation with Daniel and to ask questions which will ensure you get the best out of the relationship. 5 stars out of 5 for advice, service & value.
Sheetal, Tonbridge
We needed to plan for our retirement and get our finances in order Daniel was friendly, straight forward and easy to understand. He took time to find out our needs and attitude to risk, coming up with a 10 year plan. We are currently getting underway with protection planning and consolidating our personal pensions All is looking good so far and there is nothing I can think of that he could have done better. 5 out of 5 stars for advice, service & value.
Michael, London
I needed to sort out my finances and plan what my pension money was going to be put into Daniel was very patient and listened to what i was needing, he gave advice when asked and helped me every step of the way. It didn't matter what question i had he would always answer it in a way i could understand. Daniel is still helping me as type this review. I am confident that Daniel has advised me in the best way forward for my affordability. At this moment in time there is nothing more Daniel could do for me than what he already is. Thank you 5 out of 5 stars for advice, service & value.
Jo, Crowborough
I was keen to get my finances in order with a view to optimising my income when I retire in 10 years time. Daniel took the time to understand where I saw my life going, and what I really wanted from retirement. He looked carefully into my income, current pension arrangements and income protection, making clear and straightforward recommendations going forward. All of this was done in a helpful, supportive way; at no point did I feel sold to or pressured. I now have an investment plan which is performing well and which I am confident will yield a decent retirement income. I also have some affordable protection in place should I be unable to work at any point. Daniel was great - I'd recommend him highly and I feel he couldn't do anything better. 5 out of 5 stars for advice, service & value.
Mark, London
Had some savings that I knew I needed to make work better for me in my retirement. Daniel listened and was patient with me, it took me a long time from our initial meeting to be able to take the step of committing some savings and Daniel worked with me without putting me under any pressure until I was able to take that step. He could not have done anything better. 5 stars out of 5 for advice, service and value.
Heather, Sittingbourne
Large sum of money from house sale. Daniel considered all my needs, both now and future, and level of risk appropriate to them. So far so good and Daniel will be monitoring on an ongoing basis . 5 out of 5 stars for advice, service & value.
Susan, Tunbridge Wells
Combining my pensions with my husbands seemed to make sense so we asked Daniel to help. Daniel came to see us, took our pension details and found us a product the suites our requirements. 5 stars out of 5 for advice, service & value.
Emma, Sevenoaks
We have accumulated several pensions over many years and thought we should investigate options to improve our returns. Daniel came in and reviewed all our current pensions. From this we obtained a fantastic option that should save us thousands compared to previous providers, over the next 20 years or so. The projections look good with stable and low risk investments. Cost savings are up which also translates into additional profits long term. 5 stars out of 5 for advice, service & value.
Andrew, Sevenoaks
I had recently changed jobs and thought it worth investigating the value of my pension pots so that I could be sure Id have a comfortable retirement as I had little idea of the value and what that would equate to in the years to come. Daniel spent time with us looking at our savings and pensions as well as discussing our life requirements. we have two children we want to take on holidays now but also to leave something for in future as well as being able to help when it comes to university and first homes for them. Daniel also checked our insurance policies and found that they were lower than ideal. Daniel has already made changes to our insurance for us so we are well protected should anything tragic happen. We are waiting on the details from the pension companies now, but hopeful that soon well have a good idea of how we stand for the future, and can make necessary changes to ensure we achieve our goals. At the moment I cannot think of any way Daniel could have improved his services to us. 5 stars out of 5 for advice, service & value.
Andrew, Sevenoaks
I received a letter from one of my pension providers advising that they were making changes. I decided it was time to review my pension investments to ensure I would have sufficient funds when I retired. Daniel took the time to understand us and our investments and provided recommendations as to how we could get a better return. Daniel is very personable and trustworthy. 5 stars for advice, service & value.
Rhona, Tunbridge Wells
Lack of professional advice had caused my pension fund investments to become out of date and inefficient. Daniel took time to conduct a thorough review of my circumstances before advising on some changes which are expected to significantly reduce the management cost of my investments and hence improve my returns. My pension funds have been restructured and I look forward to regular reviews to ensure the funds remain optimised. I have been very happy with the speed and quality of Daniel’s service. Scored 4/5 on value for money as the advice wasn’t cheap and outcome will only be fully realised over time... 5 stars for advice & service; 4 star for value; 4.7 stars overall.
Stephen, Tunbridge Wells
I was after help with my pensions which I had not reviewed for 12 years & needed help as to the best way forward to maximise my final pension pot. Daniel reviewed my current financial status & particularly my pension plans and looked at the best options for me, he was clear and thorough in his approach & advice. He helped me to fully understand what I need to do to get my pensions working more effectively for me. I was happy with the advice Daniel gave me and have now implemented his recommendations & am hopeful for a good outcome. I believe with Daniels advice my pensions will now perform far better than if I had stayed with my original provider, time will tell. I believe Daniel went above & beyond my expectations and am looking forward to his advice in the years to come. 5 stars for advice, service & value.
Andrew, Burgess Hill
I was looking to review my current pensions with the view to moving them into a more cost effective plan. Daniel suggested moving both of my existing pensions into one much more cost effective plan with a different provider. This he has now done quickly and successfully. Very happy so far. I feel confident now going forward that Daniel will keep an eye on things and continue giving excellent advice and guidance. 5 stars for advice & service; 4 star for value; 4.7 stars overall.
Paul, London
My pension fund was not being managed effectively. He advised on the best pension plan available and asssisted with a seamless transition from my old plan to the new one. 5 stars for advice & service; 4 star for value; 4.7 stars overall.
Richard, London
We started very well on the first phone conversation. There were few instances that we have a very unique common experience. He came across very open and approachable person. I like his hand on approach with direct talking and efficiency. During our time of face to face meeting. He shown great deal of interest to know us and to understand our circumstances and gathering information to help us to get the best advise to offer from him. We are happy to work him in our next stage of our financial planning. 5 out of 5 stars.
Katty, Hartfield
We are very happy with the help and advice offered to us so far by Daniel. He has explained everything to us in an extremely helpful and impartial way and we look forward to working with him. 5 out of 5 stars.
Sarah, Tonbridge
I would highly recommend choosing Daniel for his professional, enthusiastic and supportive demeanour straightaway from day one; he has been approachable in many ways via WhatsApp and on the phone as needed and also has been able to accommodate evening visits for us around our long work days; furthermore the advice has been measured, realistic and tailored specifically to our varied needs and I very much look forward to our future working relationship and seeing how our plans take shape. Thanks for all the hard work so far Daniel. 5 out of 5 stars.
Pamela, Gravesend
Very pleasant man. Explained everything clearly in easy to understand language. 5 out of 5 stars.
Susie, Tunbridge Wells
Knowledgeable and helpful. 5 out of 5 stars.
Denise, Tunbridge Wells
Daniel is very personable and friendly. It looks like he wants to make a real effort to get to know you and your situation so that he can offer a better, more tailored service. He is clear and informative, taking the time to explain things, and he's very patient with you when answering questions or going into more detail. 4 out of 5 stars.
Rob, Orpington
Very professional, patient and courteous. 5 out of 5 stars.
Dan, Tunbridge Wells
Daniel was keen to be able to personalise his advice to my needs, preferences and situation, and was able to explain things clearly and concisely to someone who has little experience in the financial environment. 4 out of 5 stars.
Claire, Aylesford
Daniel was very friendly, positive and helpful and genuinely interested in understanding the client's financial position, lifestyle and investment aims. 5 out of 5 stars.
Damian, Brighton
Very professional, knew what we needed to do to achieve our goals and was very approachable without being judgmental! 5 out of 5 stars.
Susan, Marden, Kent
Daniel got in touch promptly and his communication has been great throughout. He took the time to really understand my financial situation and he explained things clearly in plain English. Would recommend. 5 out of 5 stars.
Caroline, High Brooms, Tunbridge Wells
Excellent Discussion. 5 out of 5 stars.
Mark, Swanley
Daniel arrived and was very pleasant and thorough throughout our initial meeting. Explained everything in a way we understood. 5 out of 5 stars.
Andrew, Sevenoaks
I find the whole subject of pensions and inheritance planning a minefield. Daniel has managed to find a way through that minefield and has explained things in a clear and concise way. He has proposed a strategy and is currently in the process of collecting all the information prior to implementation. It has been a valuable and enlightening experience. 5 out of 5 stars.
Peter, Tunbridge Wells
Early days but I think we can progress to mutual benefit. 4 out of 5 stars.
Phil, Tunbridge Wells
Daniel was extremely quick in getting back to me. He understood my needs and made several recommendations. He certainly gave me the confidence that he knew his area of business very well indeed. I would recommend him without hesitation. 5 out of 5 stars.
Paul, Lamberhurst
He's very professional, communicates well, has been very good so far. 5 out of 5 stars.
Neil, Tonbridge
Daniel was very professional & upfront. 4 out of 5 stars.
Andrew, Haywards Heath
Daniel was extremely helpful thorough and knowledgeable and made me feel at ease discussing my finances with him. 4 out of 5 stars.
Dan, Aylesford
Very swift response and detailed review of my requirements by phone. All good so far. 5 out of 5 stars.
Stephen, Tunbridge Wells, Kent
Are we the only couple in our 50s who have been bumbling along with our financial affairs, without ever sitting down taking stock and planning for our future goals and priorities? I suspect not and would encourage others to seek external professional advise to guide you through the confusion of pensions and other financial planning. Daniel has been valuable in facilitating this and feel sure we will be working with him for the long term, even the complimentary introductory meeting highlighted some key thing that I had overlooked and can pursue independently for our benefit. Daniel responded promptly to our enquiry and has been most helpful, personable and transparent in guiding us. We feel in our comfort zone and conversations have been open and honest and appropriate to our situation. 5 out of 5 stars.
Karen, Kent
Daniel was very professional & upfront 4 out of 5 stars.
Andrew, Sussex
Daniel was patient and listened to what I said. 5 out of 5 stars.
Heather, Sittingbourne, Kent
It has been a pleasure working with Daniel so far - he has been helpful, clear and professional and his well rounded approach makes me confident that he is going to deliver a solution that is tailored to our specific financial needs. 5 out of 5 stars.
Liam, Tunbridge Wells
I had established my own company and required financial advice about protecting myself financially. I saw the outcomes I was expecting while I was still resident in the UK. I have subsequently moved away from the UK. The products were well suited to my needs while I was still self-employed and living in the UK. I cannot honestly recall any aspect of the service I received that I was not happy with, or that Dan could have improved upon. 5 out of 5 stars for advice, service and value.
Evan, Outside UK
I was looking to consolidate all my pensions in one pot as well as find better deals on life assurance as well as other insurance policies. Daniel, listened to understand my needs and then drew up various options to meet them. Once I had made the choices that suited my circumstances Daniel efficiently prepared the documents and contacted the providers. He guided me through every step of the process so that it was a seamless transition. He made it understandable and easy. I ended up with better products that suited my needs as well as helping me to save money in the near and long term. 5 out of 5 stars for advice, service and value.
Michael, Sandhurst, Berkshire
I felt confused by the range of products on offer, and wanted someone to help me navigate the complexity. Daniel provided high-quality and focused advice in a number of areas, which have led to my investing in a much higher-performing portfolio of investments. No suggestions as to what he could have done better - great performance. 5 out of 5 stars for advice, service and value.
Antony, Walton-on-Thames, Surrey
Where to find us

Victoria Place, Tunbridge Wells, TN1 2SS

Make an enquiry
About us

It's a privilege to have lived in the Tunbridge Wells area since 2002.

I've been in financial services since 1991 and giving financial advice since 2000.

We're individuals, but work as a true team - we're all friends and have worked together for many years, injecting passion in all our client dealings.

We take a comprehensive and holistic approach realising, as much from our own personal lives as those of our clients, that life at home and life at work are usually inextricably linked.

Clients like that we're able to deal with their business and personal needs, and that we'll work in tandem with their accountants and lawyers. We're equally happy and adept at dealing with purely personal needs.

You, the client, always come first and you can be assured of our fierce independence in doing the right thing for you, giving explanations in plain English!

Most of our clients are in London and the home counties, including Kent and Sussex. We also have clients in the North West, North East, Midlands and South West. We build long term relationships, with most clients having been with us for over 10 years.

Our services

Providing whole of market advice to personal, commercial and corporate customers, specialising in profit extraction, retirement planning, employee benefit packages, and all aspects of investment and protection solutions. Working under the 2plan wealth management network, we are able to proactively plan for our clients’ current and future needs and can provide commercial and general insurance solutions, as well as residential, commercial and buy to let mortgages. Via our network of contacts we can assist with re-broking of banking and all types of lending requirements.

We ALWAYS take the time to listen and ask relevant questions to give the best advice.

Advice methods
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    Telephone
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    Online (Live chat, video, email)
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    Face to face
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£20,000
Minimum mortgage value
£125,000
Compliance

One Financial Solutions Ltd is an Appointed Representative of 2plan wealth management Ltd, which is authorised and regulated by the Financial Conduct Authority. It is entered on the Financial Services Register (www.fca.org.uk) under reference 461598.


Registered office Dorset House, Regent Park, Kingston Road, Leatherhead, Surrey, KT22 7PL. Registered in England, No : 08141263

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