Financial Planning Consultant DipPFS, Certs CII (MP & ER) in Rochester
I am a Financial Planning Consultant with a background in accountancy. I help individuals, families and business owners in Medway and the South East of England make confident financial decisions through clear, practical advice. I am particularly passionate about cashflow planning and financial education, supporting clients to understand their options and feel in control of their financial future.
In the UK, there are around 3.3 million pension pots that are considered as ‘lost’, containing an average of around £9,500 per pot*. Nobody wants to be missing out on money they have built up in a pension, but there’s good news - this kind of financial hit is completely avoidable.
This one might seem obvious, but it’s easy to lose track of your pension pots, where they are, and what they’re doing. If you make a note of your pension providers, and check your pot(s) regularly, you’re far less likely to lose one of them over time.
Your investment allocation is where and how you’re investing your pension. Often, people will just use their pension provider’s default setting. But this might not actually be right for your retirement goals and risk profile. So, it’s a good idea to revisit this every few years.
If you’ve had a windfall recently, like a pay rise, bonus, or inheritance, putting a portion of it into your pension is a good idea. Not only is it tax-efficient, but you’ll be glad when your retirement comes around.
As an adviser, my role is to help you get all of this done simply, with all the facts and information you need. That might be helping you review your risk profile, consolidating old pension pots, or making a plan to help you retire early. Investing can help your money grow over time, but the value of investments can go down as well as up.
If that sounds good to you, please get in touch.
Approver Quilter Financial Services Limited. June 2026.
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Expert advice to help provide comfort in your retirement.
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Home contents insurance, buildings insurance.
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
First time buyers, remortgages, buy-to-let.
Rochester
Kent
United Kingdom
Cheryl is based in Rochester and offers expert financial advice covering Medway towns, Kent, London and the South East of England.
I am a Financial Planning Consultant with a Level 4 Diploma in Regulated Financial Planning, and I am also a Fellow of the Institute of Chartered Accountants in England and Wales (ICAEW), having previously worked as an accountant. This background gives me a strong understanding of personal and business finances, and I use this experience to help clients make decisions that feel clear, manageable and aligned with their goals.
My approach to advice is simple: avoid jargon, keep things straightforward, and focus on what really matters to you. As your adviser, my role is to make the process feel easy and supportive, not overwhelming. I am especially passionate about cashflow planning, because it helps clients see their financial future in a clear, visual way. It turns long term decisions into something real and understandable, helping you feel confident about the steps ahead. I also care deeply about financial education, ensuring you always understand your choices and feel empowered rather than unsure.
When we work together, you can expect a friendly, down to earth experience where your goals come first. I will always explain things in a way that feels accessible and relevant, helping you picture the benefits and make decisions with confidence.
Whether you are planning for retirement, navigating investments, reviewing protection needs, or simply wanting to get organised and take control of your finances, my goal is always the same: to provide clear, practical, and supportive advice that genuinely improves their financial wellbeing. I can also provide stand alone or more integrated advice about mortgages, whether it is your first home, upgrading, or downsizing.
Outside of work, I enjoy spending time with my family and being part of the local Medway community, including a governor at my children’s primary school.
If you are looking for an adviser who values transparency, long term relationships, and empowering clients through knowledge, I would be delighted to help.
In advising you, I follow a simple and trusted 3 step process:
We will arrange a time to talk about your goals and plans.
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.
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 16 June 2026.
