Marcin Kmieciak

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

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.

I wanted to become a financial adviser as I have a real, real passion for helping my clients from the start of their financial journeys and continue to be there throughout their lives. I have a real passion for providing a personal service to my clients and hope that my friendly and professional approach helps customers feel confident and at ease when it comes to making important financial decisions.

Extended bio: I’m a financial adviser with a passion for helping people make sense of their money and plan for the future. I provide holistic financial advice across Bedfordshire and the surrounding areas, taking the time to listen carefully so that every aspect of your financial needs is understood and looked after. The main reason I became a financial planner was to help people make better decisions about their money. I enjoy working with clients to build and preserve wealth through tax-efficient investing, protection, and retirement planning. My aim is always to bring clarity and confidence to your financial future. Before moving into financial advice, I spent 20 years in IT support, where I honed my skills in listening carefully and solving complex problems. Those same qualities now shape the way I work with clients - taking the time to understand their goals and finding practical solutions that fit their needs.

Outside of work, I’m married with twins who keep my life busy and fun. At home, I share my space with our dog Shaun the Shih-Tzu, and Oreo the cat.