Financial Adviser DipPFS, CeMAP® in Tonbridge
I’m a Financial Planner who believes financial advice should be simple, human, easy to understand and that it’s not just for the wealthy. I’ve worked in financial services building relationships my entire career and my focus is to spend the time to really understand what motivates you, what your goals and objectives are, and this allows us, together, to build a financial plan that suits you.
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.
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Tonbridge
Kent
United Kingdom
Philip is located in Tonbridge and offers expert financial advice covering Tonbridge/Sevenoaks borders, Kent and the South East.
I believe your money should be working harder for you and I focus on practical, personalised advice around tax efficiency, investing and aiming to help grow your wealth, as well as retirement planning, with a supporting strategy to ensure this plan is protected should anything unforeseen happen. My approach is straightforward, I aim to create a calm, supportive experience that helps you feel more confident about your financial future whilst enjoying today.
With a young family I know the importance of addressing your financial plans as early as possible and my aim is to help people make confident decisions about their future. But it’s never too late to start and together we look at what is important to you at whatever stage of life you are at.
I work with a wide range of clients, including professionals, families, and self employed individuals, and I’m committed to providing advice that is fair, clear, and tailored to your goals. Whether you’re planning for retirement, reviewing your investments, or simply want to get more organised with your finances, I’m here 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 11 August 2026.
