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Andrzej Pawlaczyk

Financial Planning Consultant DipPFS, Cert CII (MP) in Maidstone

A little bit about Andrzej

Making big financial decisions can feel overwhelming - but it doesn’t have to be. I help people like you turn uncertainty into clear, confident plans, bringing genuine empathy and care to every step. With an MA in Finance and experience in portfolio management, I support clients through key life transitions - buying a home, starting a family, preparing for retirement, or navigating divorce or bereavement - helping you feel more in control of your money and future.

Find out more about me below.

Start the conversation

Get in touch if you’d like to discuss how I can help you with windfalls and lump sums.
Contact me today

If it’s time for financial advice, I can help you

Graphic of elderly couple passing wealth to their relatives

Coming into a sum of money can be exciting and overwhelming at the same time, especially if it’s sudden or unexpected. And while you’re trying to process all the emotions involved, you’ll probably have to make some important financial decisions as well.

Whether you’ve received an inheritance, a windfall, or a lump sum from work, having an adviser to help guide you and make a sensible plan can take away some of the stress and worry so you can focus on the benefits.

I can help you understand all the different options available to you, taking advantage of any allowances so your money works as tax-efficiently as possible.

I can also help you adjust your financial plans or make completely new ones by showing you how the choices you make today could impact your future.

Together, we can put your money to work in a way that helps you feel confident about the future.

Tax treatment varies according to individual circumstances and is subject to change.

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. April 2026.

Holistic planning

Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.

Pensions

Expert advice to help provide comfort in your retirement.

Protection

Whole of life and term assurance protection, private medical arrangements, critical illness insurance.

Income Protection

Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.

Investments

Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.

Business Services & Protection

Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.

Diploma in Regulated Financial Planning

  • The Level 4 Diploma in Regulated Financial Planning from the Chartered Insurance Institute develops core technical and initial financial planning understanding.

Certificate in Mortgage Advice

  • The Certificate in Mortgage Advice (Level 3) meets the FCA standards for mortgage advisers. It develops an understanding of the sector and the mortgage process, and enables advisers to meet individual client needs.

Andrzej's location

Maidstone
Kent
ME14
United Kingdom

Andrzej is located in Maidstone and offers expert financial advice to suit your needs.

Money is rarely just about numbers - it’s often about life’s most important decisions. My role is to help make those choices clearer, calmer, and more confident for you. Good financial planning starts with understanding the person behind the numbers. I take time to listen and explore what matters most to you - your values, motivations, and relationship with money. This helps you gain clarity and feel more in control of the decisions that shape your future.

I guide clients through milestones that matter most, as well as more complex transitions such as divorce, inheritance planning, and other significant life changes, helping them navigate uncertainty with empathy and care. Every plan we build together is practical, flexible, and tailored to your unique needs - helping your money work for the life you want and giving you peace of mind for the future.

When I’m not planning for the future, I’m co-parenting my two brilliant kids, flying gliders, riding motorcycles, or tackling a marathon (once was enough, thanks!). I meditate too - mostly to survive raising a teenager.

What to expect

In advising you, I follow a simple and trusted 3 step process:

1. Free intro call to understand your needs

We will arrange a time to talk about your goals and plans.

2. Personalised plan

I'll prepare a tailored plan which always takes full account of your goals, and gives you the steps and expert support from me to get there. All explained simply.

3. On going check-ins, on your terms

I'll be there as your financial adviser to give you the support you need.

The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.

Quilter Financial Planning Network only: This financial promotion was approved by Quilter Financial Services Ltd & Quilter Financial Ltd on 29 October 2025.